1. Under the Business Auto Coverage Form, mobile equipment: A. Is covered by end
ID: 2658663 • Letter: 1
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1. Under the Business Auto Coverage Form, mobile equipment: A. Is covered by endorsement. B. Is excluded unless it is subject to motor vehicle or financial responsibility laws. C. Is covered under symbol 1. D. Is included in the definition of “auto.” 2. While she was driving the delivery truck owned by her floral store, Isabella negligently collided with an oil tank truck owned by an oil company. As a result of the collision, the oil in the oil company’s tank truck leaked on the ground and into a nearby stream. The cost to clean up the resulting pollution exceeded $200,000. If Isabella were held legally liable for the cleanup costs, would the Pollution exclusion in her BACF eliminate coverage for the cleanup costs? 3. Roberta, an employee of a warehouse facility, sprained her ankle when she stepped off a forklift on the facility’s premises. A visit to the emergency department of a nearby hospital resulted in medical expenses of $850. Roberta made a claim for payment of these expenses under Coverage C—Medical Payments of the facility’s CGL form. Would Roberta gets payment from the insurer? 1. Under the Business Auto Coverage Form, mobile equipment: A. Is covered by endorsement. B. Is excluded unless it is subject to motor vehicle or financial responsibility laws. C. Is covered under symbol 1. D. Is included in the definition of “auto.” 2. While she was driving the delivery truck owned by her floral store, Isabella negligently collided with an oil tank truck owned by an oil company. As a result of the collision, the oil in the oil company’s tank truck leaked on the ground and into a nearby stream. The cost to clean up the resulting pollution exceeded $200,000. If Isabella were held legally liable for the cleanup costs, would the Pollution exclusion in her BACF eliminate coverage for the cleanup costs? 3. Roberta, an employee of a warehouse facility, sprained her ankle when she stepped off a forklift on the facility’s premises. A visit to the emergency department of a nearby hospital resulted in medical expenses of $850. Roberta made a claim for payment of these expenses under Coverage C—Medical Payments of the facility’s CGL form. Would Roberta gets payment from the insurer? 1. Under the Business Auto Coverage Form, mobile equipment: A. Is covered by endorsement. B. Is excluded unless it is subject to motor vehicle or financial responsibility laws. C. Is covered under symbol 1. D. Is included in the definition of “auto.” 2. While she was driving the delivery truck owned by her floral store, Isabella negligently collided with an oil tank truck owned by an oil company. As a result of the collision, the oil in the oil company’s tank truck leaked on the ground and into a nearby stream. The cost to clean up the resulting pollution exceeded $200,000. If Isabella were held legally liable for the cleanup costs, would the Pollution exclusion in her BACF eliminate coverage for the cleanup costs? 3. Roberta, an employee of a warehouse facility, sprained her ankle when she stepped off a forklift on the facility’s premises. A visit to the emergency department of a nearby hospital resulted in medical expenses of $850. Roberta made a claim for payment of these expenses under Coverage C—Medical Payments of the facility’s CGL form. Would Roberta gets payment from the insurer?Explanation / Answer
Answer1 :- Under the Business Auto Coverage Form, mobile equipment is included in the definition of "AUTO". Therefore the answer is (D).
Answer 2 :- No the Pollution exclusion in her BACF is not eliminate coverage for the cleanup costs
Answer 3 :- CGL stands for commercial general liablity . The medical expenses payments that are caused by accident for body injury regardless of fault and injury with in premises is covered under it Therefore Roberta would gets payment from the insurer.
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