Personal Auto Endorsements Flashcards
So. Many. Endorsements.
SEF 3
drive government auto
When the insured also drives govt auto’s and it isn’t insured
SEF 5
Permission to rent or lease
for long term leases 30+ days
SEF 5a
permission to rent or lease but for short term
SEF 6a
Permission to carry passengers for compensation
removes the exclusion from SEF 1
SEF 7
separate limits
Can specify limits for each driver
SEF 8a
Property damage reimbursement
insured will pay insurer for at-fault accidents they cause. Used for high risk drivers
SEF 9
Marine use excluded
excludes coverage while vehicle is on water. ie ATV or amphibious vehicles
SEF 13c
comp coverage- deletion of glass. Restricts glass coverage
SEF 13d
comp coverage- Limited glass. Adds vandalism coverage for all front window and sunroof
SEF 13h
deletion of hail coverage
can be added back when repairs are done
SEF 16
suspension of coverage- for seasonal
suspends liab, coll/upset while not in use
SEF 17
Reinstate coverage.
SEF 18
replacement cost endorsement
if total loss in 5 yrs, get replacement cost coverage
replaces with new/sim model
must have coverage C
SEF 19
Limitation amount- high value veh
SEF 19a
valued auto- classic, antique or high value
SEF 20
Loss of use
SEF 23a
Mortgage
shows leinholder has insurable interest
SEF 27
NOA
used wth SEF 20
renting/borrowing a car short term
SEF 28
reduction of coverage as respects operation by named person
SEF 28a
reduction of coverage as respects to operation on airport property
SEF 29
additional coverage as respects to operation by named person- extends coverage to someone without having them listed
SEF 32
recreation veh
off road by unlicensed person
SEF 35
Emergency service
AKA towing
SEF 37
limitation of auto sound and electronic communication equipment.
Limits coverage for attempted theft of that cool sound system up to $1500
SEF 38
increase the sound limit of that awesome sound system over $1500
SEF 39
accident rating waiver
AKA accident forgiveness
SEF 40
fire and theft ded
excludes ded if entire car stolen or damaged by fire
SEF 43r & 43I
limited waiver of depreciation
new veh 24-30 months new if insured is original owner
43I is for leased veh
SEF 44
Family protection
as good as you give
pays in excess of at fault drivers insurance less your 3rd party limit minus the at fault.