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CAARP Introduction, Part IV: Commercial Auto
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Extent of Coverage

The servicing carrier is required to write a policy for Bodily Injury of $15,000 per person and $30,000 per occurrence and Property Damage of $5,000.

The insured may also purchase:
  • Higher limits if required by law, ordinance, regulation, or other requirements of a political subdivision.
  • Medical Payments in the amount of $1,000 on private passenger vehicles insured on a commercial policy.
  • Uninsured Motorist Bodily Injury up to $30,000 per person and $60,000 per occurrence.

    The following are some of the most common financial responsibility requirements for various types of commercial risks:
    ($ in thousands)

  • Unregulated
    		•    $15/30/5
  • For Hire Transporting Property
  • GVW>10,000
  • GVW 10,000 or less

    • 750 CSL
    300 CSL
    • Regulated by Interstate Commerce Commission,
      FHA -Subject to Motor Carrier Act 80
    		 750 CSL
  • Bulk Petroleum
    		•  1,200 CSL
  • Hazardous Materials:
  • Hazardous Waste
  • Hazardous Substances
    (in excess of 3500 water gallons)
  • Any Quantity of Class A or B Explosives
    		•
    1,000 CSL
    5,000 CSL

    5,000 CSL
    • Transporting Passengers for Hire within CA
      (Excluding Taxi Cabs)
    • 7 or Fewer Passengers
    • 8 or More Passengers


    750 CSL
    1,500 CSL


    		•
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    © 2008, LunchTimeCE, Inc and AIPSO. All Rights Reserved.
    Not only are policy forms, clauses, rules and court decisions constantly changing, but forms vary from company to company and state to state. This material is intended as a general guideline and might not apply to a specific situation.
    The authors, LunchTimeCE, Inc. and AIPSO, and any organization for whom this course is administered will have neither liability nor responsibility to any person or entity with respect to any loss or damage alleged to be caused directly or indirectly as a result of information contained in this course.