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JeffyB
Covered Auto or Mobile Equipment???
If a client has a truck which no longer is licensed for road use, and is only used on the business property to move supplies, should this type of vehicle covered under the commercial auto policy, or as mobile equipment? Additional Details This relates to NJ. Thanks
If it is possible to be licensed for road use, such as a truck, then it needs to be covered under a commercial auto policy. You can cover just the physical damage under an inland marine policy, if the carrier is willing, but the liability is definately under the auto.
Mobile equipment is generally defined as equipment that you CAN'T put tags on for road use, even if you want to - such as a golf cart.
sweettea
It depends on the state you live in, I'd ask your agent
vickiesvoice
What state are you in?
alwyzn2somthn
Depends on the state. In the State of New Mexico it would be covered under their General Liability policy. That is of course it happened on their property.
Airplanegirl
I believe in NJ it has to be covered under mobile equipment even if you dumb it in the river. Hope that helps! :)
Badkitty
If the vehicle was manufactured as a motor vehicle then it must be insured as such. But for it to be insured on the commercial auto policy it must be tagged for road use. I know in my state if you own a farm and the vehicle is only used on the farm and is tagged as such then it can be put on the "farm policy". Check with your agent for his best advise.
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