AZ Contract Definitions

Question 1

Any car you own or lease listed in the Declaration Page.
Any car or trailer you do not own while used as temporary substitute
An additional car, which you purchase during the policy period if you notify us within 15 days.
A Replacement car that has taken the place of an Insured car

Answer 1

Is consider a “covered auto”

Question 2

Trade, a profession, an occupation, the course of employment, a job, or any kind of commercial use.

Answer 2

Business Use

Question 3

Document you receive from us listing the types of coverage you have selected. This includes the limit for each coverage, the cost for each coverage, the deductibles, the specified cars covered by this policy, the types of coverage for each such car, the named insured(s) and driver(s) and other information applicable to this policy.

Answer 3

Declaration Page

Question 4

Is someone you intentionally remove from your auto insurance policy. If that person uses your car, either with or without your permission, and has an accident, your car insurance will not provide coverage.It is the same as driving with no insurance.

Answer 4

Excluded Driver

Question 5

A person related to you by blood, marriage or adoption who is a resident of your household, including a ward or a foster child.

Answer 5

Family member

Question 6

The minimum policy limits for vehicle liability coverage required by the State of Arizona

Answer 6

Minimum Statutory Limits

Question 7

A car that is not owned, leased or registered in the name of or available for the regular or frequent use by you or a family member.

Answer 7

Non owned car

Question 8

The use of any vehicle by any driver in connection with a transportation network company

Answer 8

Ride Sharing

Question 9

Vehicle designed for towing behind a private passenger type auto. It also means a farm wagon or farm implement while towed by a private passenger type auto or a pick-up, sedan delivery or panel truck.

Answer 9

Trailer

Question 10

An entity that has been issued a permit to operate in this state, that uses a digital network or software application to connect passengers to transportation network services provided by transportation network company drivers

Answer 10

Transportation Network Company

Question 11

The minimum lease term for adding a Leased vehicle to the policy

Answer 11

6 months

*Please call UW with questions

Question 12

How long is a New Vehicle not yet added to the policy covered?

Answer 12

15 days

*Coverage will match the broadest coverage of current vehicle on the policy

Question 13

How much, if any, coverage does a Replacement Vehicle not yet added to the policy have?

Answer 13

Vehicle is covered with same coverage of the car it is replacing.

Question 14

Within how long does the Insured have to inform us of a Replacement Vehicle to be covered?

Answer 14

As soon as possible. No specific time-frame

*Advise the Insured to let us know as soon as possible if they’re shopping for a car.

Question 15

True or False

Death is covered by Bodily Injury

Answer 15

True

• Damages for Bodily Injury and Death are covered up to BI Limits of Liability
• Consider Accidental Death and Dismemberment endo if this topic comes up

Question 16

Maximum Load Capacity for a Car to be insured by CCC

Answer 16

1500lbs

• Be alert for Series ‘2500’ or ‘250’ and above trucks
• When in doubt, Google it!

Question 17

Coverage(s) that follow to a Rental Car

Answer 17

BI/PD

*Comp/coll, if desired, must be purchased at Rental Car Agency

Question 18

Does not have a driver's license
or
Suspended License
or
Revoked License

Answer 18

Unlicensed Driver