SPF and SEF - Chapter 3.pdf

S.P.F. or Description S.E.F Number S.P.F. No. 1 Owners form for private passenger, commercial and public vehicles. S.E.F. No 44 Family Protection Endorsement Covers injury or death when caused by: 1) An underinsured motorist...

S.P.F. or Description S.E.F Number S.P.F. No. 1 Owners form for private passenger, commercial and public vehicles. S.E.F. No 44 Family Protection Endorsement Covers injury or death when caused by: 1) An underinsured motorist or 2) An uninsured motorist. S.E.F. No. 20 Loss of Use Endorsement Pays for rental of a substitute automobile. Pays for taxicabs or public means of transportation. Coverage commences immediately when damage to vehicle makes it unusable. S.E.F. No. 5c Permission to Rent or Lease Endorsement Above extends the policy to lessors when insured automobiles are rented or leased for periods less than 30 days. S.E.F. No. 5 Permission to Rent or Lease Endorsement Provides permission to rent or lease automobile on a long-term contract. S.E.F. No. 27 Legal Liability for Damage to Non-Owned Automobiles Endorsement Coverage is restricted to the insured and spouse. Coverage is for the same perils as the S.P.F. No. 1. No more than one automobile may be rented or leased by insureds or their spouses at any one time. Coverage is normally restricted to certain types of automobiles. Coverage provided is subject to a maximum amount in any one occurrence. S.P.F. No. 8 Standard Lessor’s Contingent Automobile Policy. Policy indemnify the lessor for loss incurred as a direct result of lessee’s failure to effect or maintain the automobile insurance required by the lease contract. S.P.F. No. 5d Conversion Coverage Endorsement. Policy covers losses caused by dishonest acts of the lessee which, results in the loss of the automobile to the lessor. S.E.F. No. 4a Permission to Carry Explosives Endorsement S.E.F. No. 4b Permission to Carry Radioactive Material Endorsement. S.E.F. No. 6a Permission to Carry Passengers for Compensation Endorsement o Used on vehicles such as: Vehicles used to transport employees. The above will allow a business to carry passengers for compensation. S.E.F. No. 6b Revised School Bus Endorsement o Permission to insured to carry passengers for hire or compensation.  o Coverage applies when bus is being used for school purposes. S.E.F. No. 6c Revised Public Passenger Vehicle Endorsement o Permission to use their vehicle to carry passengers for compensation or hire. S.E.F. No. 30 Excluding Operation of Attached Machinery Endorsement. Above endorsement excludes TPL (Section A) and Accident Benefits (Section B) for machinery used in: o Well drilling, spraying, welding, excavation or hoisting. S.E.F. No. 31 Non-Owned Equipment Endorsement Used to insure third party liability arising from use of attached equipment. Attached equipment includes the following: o Tank(s), pump(s), meter(s), apparatus, machinery, equipment owned by others. S.E.F. No. 21a Monthly Reporting Basis Fleet Endorsement Insurer agrees to calculate the premium on receipts of mileage as reported on monthly basis.