Garage and Dealers LOB - Garage Coverages and Limits

Use to create coverages based on the covered auto symbols you selected in the previous section. Click this button to create pre-determined coverages in the coverage list. You can then add, edit, or delete items in the list. Click Coverages to see the default coverages created.

From Line of Business: If the default setting is set to "From Line of Business" and there are no coverage rows at the line of business level, no coverages default to vehicle.

From Last Vehicle: Choosing this option means the coverages literally from the last vehicle you entered, which is not necessarily the last one in the list. If the default setting is set to "From Last Vehicle" and there are no vehicle rows, or if no coverages exist for the vehicle, no coverages default.

If vehicles, including coverages, are copied over from Copy Line of Business, you cannot select to default new vehicle coverages as the vehicles and coverages were copied over simultaneously.

Click to allow the system to determine if the Limit1, Limit2, Deductible Amt, Deductible Type has changed for any coverage during the policy’s effective date; or if a coverage row has been added.

Coverages are only updated for vehicles not marked as Exclude from coverage auto update under the Vehicle Information section.

Line of Business: Select this option if the coverage you are entering applies at the line of business level versus the individually scheduled item.

State: Select this option if the coverage is based on the state. Then select the state from the list.

Location: Select this option if the coverage applies to the location versus line of business, state, or individually scheduled item. If you choose the Location option, select the location from the list.

Select the appropriate coverage from the list.

See Coverage and Endorsement Setup for more information on adding to the coverage list.

The Form Section refers to the section of the ACORD 138 form where data about the selected Coverage appears. For integrated coverages, the system selection defaults to the appropriate section. If necessary, you can select a section from the list.

Type the order that this coverage should appear in the grid and on forms.

Type the single or split limits that apply to this coverage.

If your coverage selection is "Other than Auto Only/Gar Ops Liab," entered at the Line of Business level, the amount you enter for Limit 1 populates this field on the ACORD 138 form: Limits of Liability > Garage Operations > Other Than Auto Only > Ea Accident. The amount you enter for Limit 2 populates the Limits of Liability > Garage Operations > Other Than Auto Only > Aggregate.

If your coverage selection is "Auto Only/Gar Ops Liab," entered at the Line of Business level, the amount you enter for Limit 1 populates this field on the ACORD 138 form: Limits of Liability > Garage Operations > Auto Only > Ea Accident. (Limit 2 does not flow to the form for this coverage.)

Type the cost of this coverage.

Based on the coverage, type the number of items at risk, if applicable.

Type the rate at which coverage is calculated.

Amt. 1 and Amt. 2: Type the amount of the first and second deductibles that apply to the coverage you are entering.

Type 1 and Type 2: Select the type of the first and second deductibles from the list.

Indicate whether the garage operations are limited or unlimited.

Indicate whether the medical payments are per automobile or premise operations (garage and auto).

Enter any additional information that applies to the coverage you are entering.