C-III.C · Personal Auto
Common auto endorsements (1): odd vehicles, Mexico, towing, trusts and joint owners
Miscellaneous Type Vehicle Endorsement: lets a PAP schedule vehicles the base form would not reach. ISO's definition includes a motor home, an all-terrain vehicle, a dune buggy and a golf cart. Snowmobiles go on a separate Snowmobile Endorsement. The CDI outline says motorcycles generally cannot be added by endorsement, although the current ISO form lists them; for the exam, follow the outline.
Limited Mexico Coverage: reaches accidents in Mexico within 25 miles of the U.S. border on a trip of 10 days or less. It excludes coverage if liability insurance from a licensed Mexican insurer is not in force at the time of the accident, and even when it applies, the coverage is excess over other collectible insurance.
Towing and Labor Costs: pays towing and labor costs, up to the limit shown, when a covered auto is disabled. The trigger is disablement, not a collision. Labor is paid only at the place where the auto became disabled, so work done later at a garage is not covered.
Trust Endorsement: a PAP is built around individuals, so an auto titled in a trust needs this endorsement. A trustee listed on it is an insured for the maintenance or use of the covered auto, but only in connection with duties as trustee, not for personal driving of other autos. Joint Ownership Coverage: lets two or more individuals share one PAP on a jointly owned private passenger auto if they are not spouses and live in the same household, or are nonresident relatives (related by blood, marriage or adoption but living apart). Unrelated friends in separate households do not qualify; spouses do not need it, because "you" already includes a resident spouse.
Remember
· Misc. Type Vehicle: motor home, ATV, dune buggy, golf cart (snowmobile separate); outline: motorcycles generally cannot be added.
· Limited Mexico: within 25 miles, trips of 10 days or less, Mexican liability insurance required, excess only.
· Towing: labor only at the place of disablement. Joint ownership: same household or nonresident relatives.
CA
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