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Cincinnati Ohio Owner Operator Insurance – Unfortunate Andy (Part Two)

In our last blog entry, we introduced the character of Unfortunate Andy with the intent of using Andy’s antics to illustrate some of the ways in which a Commercial Auto Insurance policy can apply to a given claims event.

Andy has recently taken up semi truck driving and has purchased a “Fire and Theft with Combined Additional Coverage” policy.

His choice of policy is important to note because it will have a direct bearing on the outcome of his claims later in the story.

You see, the Fire and Theft with Combined Additional Coverage policy is what is called a “specified causes of loss” policy. As the name implies, this type of policy lists the specific causes of loss for which coverage is provided.

In other words, if a cause of damage is not on the list then it isn’t covered by this policy.

This kind of policy is an alternative to Comprehensive Coverage, which, as its name implies, covers a much wider range of causes of loss.  

So, which causes of loss are listed on the Fire and Theft with Combined Additional Coverage policy? Let’s take a look at a snippet of Andy’s policy to find out.

Subject to the Limits of Liability, if you pay the premium for Fire and Theft with Combined Additional Coverage (CAC), we will pay for loss to your insured auto caused by:

1. Fire, lightning, or explosion;
2. Theft;
3. Windstorm or hail;
4. Earthquake;
5. Flood or rising water;
6. Malicious mischief or vandalism;
7. The stranding, sinking, collision, burning, or derailment of any conveyance in or upon which your insured auto is being transported; or
8. Collision with an animal or bird.

Next time, we’ll discuss this policy choice a little further.

Owner Operator Insurance Cincinnati Ohio – Call Today for Better Prices!

For better prices on the Cincinnati Semi Truck Insurance you need, call us today toll-free by dialing 800-998-0662 or 513-662-7000 and speak to one of our helpful agents.

Click one of the hyperlinks below according to your location to access our handy online quote system, available at all hours of the day!

• Owner Operator Insurance Cincinnati Ohio
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