We have an agent who feels a combine is not a vehicle and thus there is coverage when his insured backed his combine into the barn. If we agree that the combine is a vehicle, can the named peril vehicle exclusion apply then? This is on an AAIS FO -6 Ed 1.0 form. 

Kansas Subscriber

The policy does not define vehicle — therefore a court would refer to a common dictionary definition. Merriam Webster online defines vehicle as: a means of carrying or transporting something; planes, trains and other vehicles such as a ) motor vehicle b) a piece of mechanized equipment. Therefore, a combine is a vehicle, and there is no coverage for the insured backing his combine into his barn.