Personal Auto Endorsements

Question 1

SEF 3

Answer 1

drive government auto

When the insured also drives govt auto’s and it isn’t insured

Question 2

SEF 5

Answer 2

Permission to rent or lease

for long term leases 30+ days

Question 3

SEF 5a

Answer 3

permission to rent or lease but for short term

Question 4

SEF 6a

Answer 4

Permission to carry passengers for compensation

removes the exclusion from SEF 1

Question 5

SEF 7

Answer 5

separate limits

Can specify limits for each driver

Question 6

SEF 8a

Answer 6

Property damage reimbursement

insured will pay insurer for at-fault accidents they cause. Used for high risk drivers

Question 7

SEF 9

Answer 7

Marine use excluded

excludes coverage while vehicle is on water. ie ATV or amphibious vehicles

Question 8

SEF 13c

Answer 8

comp coverage- deletion of glass. Restricts glass coverage

Question 9

SEF 13d

Answer 9

comp coverage- Limited glass. Adds vandalism coverage for all front window and sunroof

Question 10

SEF 13h

Answer 10

deletion of hail coverage

can be added back when repairs are done

Question 11

SEF 16

Answer 11

suspension of coverage- for seasonal

suspends liab, coll/upset while not in use

Question 12

SEF 17

Answer 12

Reinstate coverage.

Question 13

SEF 18

Answer 13

replacement cost endorsement
if total loss in 5 yrs, get replacement cost coverage
replaces with new/sim model
must have coverage C

Question 14

SEF 19

Answer 14

Limitation amount- high value veh

Question 15

SEF 19a

Answer 15

valued auto- classic, antique or high value

Question 16

SEF 20

Answer 16

Loss of use

Question 17

SEF 23a

Answer 17

Mortgage

shows leinholder has insurable interest

Question 18

SEF 27

Answer 18

NOA
used wth SEF 20
renting/borrowing a car short term

Question 19

SEF 28

Answer 19

reduction of coverage as respects operation by named person

Question 20

SEF 28a

Answer 20

reduction of coverage as respects to operation on airport property

Question 21

SEF 29

Answer 21

additional coverage as respects to operation by named person- extends coverage to someone without having them listed

Question 22

SEF 32

Answer 22

recreation veh

off road by unlicensed person

Question 23

SEF 35

Answer 23

Emergency service

AKA towing

Question 24

SEF 37

Answer 24

limitation of auto sound and electronic communication equipment.
Limits coverage for attempted theft of that cool sound system up to $1500

Question 25

SEF 38

Answer 25

increase the sound limit of that awesome sound system over $1500

Question 26

SEF 39

Answer 26

accident rating waiver | AKA accident forgiveness

Question 27

SEF 40

Answer 27

fire and theft ded | excludes ded if entire car stolen or damaged by fire

Question 28

SEF 43r & 43I

Answer 28

limited waiver of depreciation new veh 24-30 months new if insured is original owner 43I is for leased veh

Question 29

SEF 44

Answer 29

Family protection as good as you give pays in excess of at fault drivers insurance less your 3rd party limit minus the at fault.