“Family member” means a person related to you by blood, marriage or adoption who is a resident of your household. This includes a ward or foster child.
C. “Occupying” means in, upon, getting in, on, out or off
D. “Property damage” means physical injury to, destruction of or loss of use of tangible property.
To prevent any misinterpretation of the coverage pro-vided by this policy, the terms bodily injury; business and property damage are specifically defined.
The term occupying is defined so broadly that it in-clues most situations involving any injury as a result of the use or maintenance of an automobile. It means, in addition to riding in an automobile, entering or alighting from, or getting on or off a vehicle. This includes such things as jumping from the bed of a pickup truck and injuring an ankle or slipping off a curb while getting into an automobile.
The term occupying is used throughout the policy in reference to a person’s location in relationship to a vehicle. A person who is occupying a covered auto is not necessarily inside the vehicle.
Specific provisions apply to pickups or vans only. They must have a gross weight of under 10,000 pounds, not be used in a freight or delivery business (delivery of goods, parcels or materials for a fee), and must not be insured under any other sr22 insurance policy. The inch-dental delivery of goods if your business is farming, ranching, installations, service or repair is permitted.
Another issue controlled by the definitions established in the policy itself; so, let’s consider what the standard policy form says.
“Insured” as used in this Part means:
1. You or any “family member” for the ownership, maintenance or use of any auto or “trailer.”
2. Any person using “your covered auto.”
3. For “your covered auto,” any person or organization but only with respect to legal re-possibility for acts or omissions of a person for whom coverage is afforded under this Part.
4. For any auto or “trailer,” other than “your covered auto,” any other person or organization but only with respect to legal responsibility for acts or omissions of you or any “family member” for whom coverage is afforded under this Part. This provision applies only if the person or organization does not own or hire the auto or “trailer.”
The named insured and family members are insured with respect to any auto.
An example: You are covered under your policy when you borrow a friend’s car. Any other per son using “your covered auto” is also covered under your policy—your friend would be covered while using your car.
When you buy sr22 insurance on a car, the premiums that the sr22 insurance company charges for physical damage coverage (“collision” and “other than collision”) are based on the maximum amount that the sr22 insurance company might have to pay if the vehicle were a total loss.
For example, the sr22 insurance company might charge $200 for one year’s coverage on an $8,000 car. The most the company could expect to pay to repair or replace the car would be $8,000. But it has no control over the value of any items you might carry in the vehicle on any given day. If you were transporting a $100,000 painting in an $8,000 car and the car and painting were destroyed in a collision, the insurance company would be unfairly penalized if it had to pay out $108,000 when it had collected premium for only $8,000 of value.