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Supplemental Questionaire for Auto Dealers/Garages

Name/Business Name

Address

City State

Zip Phone

Years in Business

Garage Liability Limit Uninsured Motorist

Medical Payments Comp ded Coll ded

DOL limit
Dealers Open Lot Garagekeepers On Hook

Garagekeepers other than coll ded Collision ded

Number of Dealer Tags

DOC Coverage
Drive Other Car Coverage

Class I Employees (part time < 20 hrs = 1/2)
Active Proprieters, Partners and Officers

Salesman, General Manager and Service Manager

Other Employees Operating Automobiles

All Other Employees

Class II Employees (Non-Employees Furnished Autos)
Under 25

Age 25 of Over

List Dollar Amount of All Losses in the Past 3 Years

Does Repairs or Detailing for the public Yes No

Any drivers with MVR activity? If yes, please explain.

Business Auto Limits:
Liability Limit

Uninsured Motorist Limit

Medical Payments

Comp/Collision

HNOA Limit
Hired and nonowned auto

Year Make Model GVW (cannot exceed 26,000)

VIN# Cost New Radius

Leinholder

Underwriting Guidelines

1. All drivers age 21-72.
2. All drivers may have a maximum of 2 minor violations in the past 3 years.
3. All drivers and employees are required to have a valid Alabama license.
4. One at-fault accident is allowed per driver, if over 12 months with no other MVR activity.
5. An at-fault accident and a violation are allowed on the same driver if they occurred at the same time.
6. No major convictions in the past 5 years.
7. HICI will need the name, date of birth, and driver's license number for the wives and children of all people allowed to use a dealer tag. HICI will charge for these people unless a current declaration page showing them to be insured elsewhere is received.
8. No risks where there is a household resident age 13-20. We will accept with an exclusion.
9. Salvage operation risks are ineligible.
10. No risks where rebuilt wrecks are sold.
11. No risks that sell used or remanufactured parts.
12. All risks must submit a prior declaration page unless the risk is a new venture.
13. No theft or fire losses in the past 5 years.
14. Repair operations are limited to private passenger autos and light trucks only. Tractor Trailer Truck repair shops are ineligible.
15. No gas stations. Gasoline sales incidental to repair operations will be considered and strictly underwritten.

Helpful Hints for Commercial Policies

Used Auto Dealers & Garagekeepers Endorsements Explained:

Broadened Coverage - This form provides coverage for Personal Injury, Advertising Injury, Host Liquor Liability, Fire Legal Liability, Incidental Medical Malpractice, Non-Owned Watercraft, Additional Persons Insured, Automatic Coverage for New Entities, and Worldwide Liability Coverage.

Extended Physical Damage - Provides coverage for the following property, owned by the dealer, held for sale while on the premises of your garage operations: Watercraft, Motorcycle, All-Terrain Vehicle (ATV), Golf Cart, Flat Bed Trailer/Utility, Camper/Travel Trailer, Horse Trailer.

False Pretense - We will pay for loss to a covered auto caused by someone causing you to voluntarily part with the covered auto by trick, scheme or under false pretenses, or if you acquire an auto from a seller who did not have legal title.

Dealers Driveaway Collision Coverage - Collision coverage for vehicles driven more than 50 miles from the dealership (dealer trades and taking cars to or from an auot auction) can be provided by adding a Dealers Driveaway Collision Coverage Endorsement.

Garage Liability Extended Coverage - This form provides coverage for Security Interest Errors and Omissions Liability, Truth-In-Lending Errors and Omissions Liability and Odometer and Prior Damage Disclosure Statute Error and Omissions Defense.

Commercial Property Types Defined:

Policy Type

• Basic - Covered causes of loss - Fire, Lightning, Explosion, Windstorm or Hail, Smoke, Aircraft or Vehicles, Riot or Civil Commotion, Vandalism, Sprinkler Leakage, Sinkhole Collapse, and Volcanic Action.
• Broad - Same perils above plus Sprinkler Leakage, Sinkhole Collapse, Volcanic Action, Falling Objects, Weight of Snow, Ice or Sleet, and Water Damage (a).
• Special - Risks of Direct Physical Loss unless the loss is Excluded in Section B or Limited in Section C.

Construction Type

• Frame - Wood Construction
• Joisted Masonry - Built of stone, brick, or block, and has wood joist
• Non-Combustible - Steel Construction

Exclude Special Theft Coverage - If this selected, a theft loss would not be covered.

Extended Coverage Endorsement - For an additional premium, this endorsement extends and/or provides additional coverage as listed on the endorsement CPEXTC.

Haulers has competitive rates and outstanding customer service for Auto Dealerships, Garage Repair Shops and Body Shops. Please choose Haulers for these customers. The on-line quoting makes it simple and easy. If you would like additional training or have any questions, please contact our Marketing Department.