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An additional insured often gains this status by means of an endorsement added to the policy which either identifies the additional party by name or by a general description contained in a "blanket additional insured endorsement". [4] For instance, in vehicle insurance a typical Personal Auto Policy with additional insured provisions will cover ...
Endorsements - Additional forms attached to the policy that modify it in some way, either unconditionally or upon the existence of some condition. [30] [31] Endorsements can make policies difficult to read for nonlawyers; they may revise, expand, or delete clauses located many pages earlier in one or more coverage forms, or even modify each ...
Whatever the minimum, the insured can usually increase the coverage (prior to a loss) for an additional charge. An example of property damage is where an insured driver (or 1st party) drives into a telephone pole and damages the pole; liability coverage pays for the damage to the pole.
Endorsements: Outlines any optional endorsements you’ve added to your policy. Cancellation terms: Explains the conditions under which your policy can be canceled, either by you or by the carrier.
Additional insureds don’t necessarily have to be listed as drivers unless they drive the vehicle regularly. For example, say your mom is the co-owner of your vehicle, but you don’t live together.
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The Ontario Automobile Policy does have several extra insurance pages called Endorsements. These are optional to buy. The most common are rental insurance (Loss of Use) used for Collision and Comprehensive claims, and new parts/new vehicle replacement (43 Endorsement).
Other coverage endorsements that may be helpful for Arizona drivers include: Collision : Part of full coverage auto policies, collision coverage pays to repair vehicle damages after an accident.
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