Our insured has a personal auto policy with endorsement PP 03 03, towing and labor costs coverage, attached. The endorsement states that the insurer will pay for towing and labor costs necessitated by the disablement of the covered auto, provided the labor is performed at the place of disablement. In our opinion, this language includes a jump start in the event the auto would not start. The insurer disagrees, stating that the labor referred to in the endorsement is the placing of the vehicle onto a tow truck. The insurer claims that a jump start is not part of the coverage provided and that any coverage has to be in connection with actual towing.
We dispute this reasoning and would appreciate your opinion.
This premium content is locked for FC&S Coverage Interpretation Subscribers
Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.
- Quality content from industry experts with over 60 years insurance experience, combined
- Customizable alerts of changes in relevant policies and trends
- Search and navigate Q&As to find answers to your specific questions
- Filter by article, discussion, analysis and more to find the exact information you’re looking for
- Continually updated to bring you the latest reports, trending topics, and coverage analysis
Already have an account? Sign In Now
For enterprise-wide or corporate access, please contact our Sales Department at 1-800-543-0874 or email [email protected]