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We have an insured who was using the auto listed on the policy to deliver newspapers. The insured auto struck another vehicle. Insured was negligent for the loss.

Does the insured auto in this incident not fulfill the definition of a covered auto due to the fact that they were delivering newspapers? Does the PP 00 01 06 94 definition of a covered auto under J.2.a. and b.2 exclude both liability coverage and physical damage coverage when an auto is being used for deliveries, such as newspapers and pizza?

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