Geico Casualty Company | Missouri Department of Insurance

Coverage A - Liability Coverage

LOSSES WE WILL PAY FOR YOU Subject to all provisions of Section I, including but not limited to "LIMIT OF LIABILITY," as well as the provisions of Section V and all applicable amendments and endorsements, we will do the following; Under Section I, we will pay damages which an insured becomes legally obligated to pay because of;

1. Bodily injury, sustained by a person; or,

2. Damage to or destruction of property; arising out of the ownership, maintenance, or use of the owned auto or a non-owned auto . We will defend any suit for damages payable under the terms of this policy. We may investigate and settle any claim or suit.

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EXCLUSIONS When Section I Does Not Apply

1.Bodily Injury to any insured or any family member of an insured residing in the insured’s household is not covered in excess of the minimum financial responsibility limit required by the state of Missouri.

2. Section I does not apply to any vehicle used to carry passengers or goods for hire. However, a vehicle used in an ordinary car pool on a ride sharing or cost sharing basis is covered.
3. Bodily injury or property damage caused intentionally by or at the direction of an insured is not covered.
4.We do not cover bodily injury or property damage that is insured under a nuclear liability policy.
5. Bodily injury or property damage arising from the operation of farm machinery is not covered.
6. Bodily injury to an employee of an insured arising out of and in the course of employment by an insured is not covered. However, bodily injury of a domestic employee of the insured is covered unless benefits are payable or are required to be provided under a workers’ or workmen’s compensation law.
7. We do not cover bodily injury to a fellow employee of an insured if the fellow employee’s bodily injury arises from the use of an auto while in the course of employment and if workers’ compensation or other similar coverage is available. We will defend you if a suit is brought by a fellow employee against you alleging use, ownership, or maintenance of an auto by you.
8. We do not cover an owned auto while used by a person (other than you or a relative) when he is employed or otherwise engaged in the auto business.
9. A non-owned auto while maintained or used by any person is not covered while such person is employed or otherwise engaged in; (a) Any auto business if the accident arises out of that business; (b) Any other business or occupation of any insured if the accident arises out of that business or occupation, except a private passenger auto used by you or your chauffeur or domestic servant while engaged in such other business.
10. We do not cover damage to; (a) Property owned or transported by an insured; or (b) Property rented to or in charge of an insured other than a residence or private garage. 1

1. We do not cover an auto acquired by you during the policy term, if you have purchased other liability insurance for it. 1

2. We do not cover; (a) The United States of America or any of its Agencies; (b) Any person, including you, if protection is afforded under the provisions of the Federal Tort Claims Act. 1
3. We do not cover bodily injury or property damage that results from the operation of a non-owned auto or temporary substitute auto that is designed for use principally off public roads that is not registered for use on public roads. 1
4. Bodily injury or property damage that results from nuclear exposure or explosion including resulting fire, radiation, or contamination is not covered. 1
5. Bodily injury or property damage that results from bio-chemical attack or exposure to bio-chemical agents is not covered 1
6. We do not cover any liability assumed under any contract or agreement. 1
7. We do not cover bodily injury or property damage caused by an auto driven in or preparing for 1
8. Regardless of any other provision of this policy, there is no coverage for punitive or exemplary damages.

Medical Payments Coverage

PAYMENTS WE WILL MAKE Under this Coverage, we will pay all reasonable expenses actually incurred by an insured within one year from the date of accident for necessary medical, surgical, x-ray, dental services, prosthetic devices, ambulance, hospital, professional nursing and funeral services. The one-year limit does not apply to funeral services. We shall have the right and opportunity to conduct reviews of all applicable medical reports and records and all expenses incurred. This Coverage applies to;

1. You and each relative who sustains bodily injury caused by an accident; (a) While occupying the owned auto; or (b) While occupying a non-owned auto if you or your relative reasonably believe you have the owner's permission to use the auto and the use is within the scope of that permission; or (c) When struck as a pedestrian by an auto or trailer.

2. Any other person who sustains bodily injury caused by accident while occupying the owned auto while being used by you, a resident of your household, or other persons with your permission.

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EXCLUSIONS Section II does not apply if one or more of the exclusions listed below applies;

1. There is no coverage for bodily injury sustained by any occupant of a motor vehicle ; (a) Used to carry persons or property for compensation or a fee, including but not limited to delivery of food or any other products; or (b) While being used for ride-sharing. A vehicle used in an ordinary car pool is covered. An ordinary car pool is one where; (i) An insured receives no payment for using a vehicle for a car pool ride; or (ii) An insured receives only reimbursement for expenses for using a vehicle for a car pool ride, the reimbursement an insured receives for providing the car pool ride does not exceed the reasonable cost of gas and depreciation for the distance traveled, and the reimbursement received by an insured is not required to be reported for income tax purposes. This exclusion does not apply to you or any relative while a passenger and not operating the vehicle.

2. There is no coverage for an insured while occupying a vehicle located for use as a residence or premises.
3. You and your relatives are not covered for bodily injury sustained while occupying or when struck by; (a) A farm-type tractor or other equipment designed for use principally off public roads, while not upon public roads; or (b) A vehicle operated on rails or crawler-treads.
4. There is no coverage for persons employed in the auto business, if the accident arises out of that business and if benefits are required to be provided under a workers' compensation law.
5. There is no coverage for bodily injury sustained due to war.
6. The United States of America or any of its Agencies are not covered as an insured, a third party beneficiary, or otherwise.
7. There is no coverage for bodily injury that results from nuclear exposure or explosion including resulting fire, radiation, or contamination.
8. There is no coverage for bodily injury that results from bio-chemical attack or exposure to bio-chemical agents.
9. We do not cover bodily injury caused by an auto driven in or preparing for any racing, speed, or demolition contest or stunting activity of any nature, whether or not prearranged or organized.
10. There is no coverage under this Section for any person or organization while any motor vehicle is operated, maintained or used as part of personal vehicle sharing facilitated by a personal vehicle sharing program.

Uninsured Motor Vehicle Coverage

LOSSES WE PAY Under the Uninsured Motorists Coverage we will pay damages for bodily injury which the insured is legally entitled to recover from the owner or operator of an uninsured motor vehicle or hit-and-run vehicle arising out of the ownership, maintenance or use of that auto. The amount of the insured's recovery for these damages will be determined by agreement between the insured or his representative and us. The dispute may be arbitrated if an agreement cannot be reached.

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EXCLUSIONS

1. This coverage does not apply to bodily injury to an insured if the insured or his legal representative has made a settlement or has been awarded a judgment of his claim without our prior written consent.

2. Bodily injury to an insured while occupying or through being struck by an underinsured motor vehicle owned by an insured or a relative is not covered.
3. The Underinsured Motorist Coverage will not benefit any worker's compensation insurer, self-insurer or disability benefits insurer.
4. We do not cover the United States of America or any of its agencies as an insured, a third party beneficiary or otherwise.
5. Bodily injury to an insured while occupying or through being struck by any motor vehicle owned by the insured or a relative that is not described in the declarations, or which is described in the declarations but Underinsured Motorist Coverage is not carried, is not covered.
6. Regardless of any other provision of this policy, there is no coverage for punitive or exemplary damages.
7. There is no coverage under this Section for any person or organization while any motor vehicle is operated, maintained or used as part of personal vehicle sharing facilitated by a personal vehicle sharing program.
8. There is no coverage for bodily injury under this Section for any person or organization while an owned auto or non-owned auto; (a) is being used to carry persons or property for compensation or a fee, including but not limited to the delivery of food or any other products; or (b) is being used for ride-sharing. However, a vehicle used in an ordinary car pool is covered.

Underinsured Motor Vehicle Coverage

We will also pay damages the insured is legally entitled to recover for bodily injury caused by an accident and arising out of the ownership, maintenance or use of an underinsured motor vehicle . However, we will not pay until the total of all bodily injury liability insurance available has been exhausted by payment of judgments or settlements.

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We will also pay damages the insured is legally entitled to recover for bodily injury caused by an accident and arising out of the ownership, maintenance or use of an underinsured motor vehicle . However, we will not pay until the total of all bodily injury liability insurance available has been exhausted by payment of judgments or settlements.

Physical Damage Coverage

Collision

1. We will pay for collision loss to the owned auto or non-owned auto for the amount of each loss less the applicable deductible.

2. We will pay up to $200 per occurrence, less the applicable deductible, for loss to personal effects due to a collision. The property must be owned by you or a relative, and must be in or upon an owned auto.
3. Losses arising out of a single occurrence shall be subject to no more than one deductible.

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1) An auto used to carry passengers or goods for hire is not covered. However, a vehicle used in an ordinary car pool on a ride sharing or cost sharing basis is covered. 2) Loss due to war is not covered. 3) We do not cover loss to a non-owned auto when used by the insured in the auto business. 4) There is no coverage for damages caused by and limited to wear and tear, freezing, mechanical or electrical breakdown or failure, unless that damage results from a covered theft. 5) Tires, when they alone are damaged by collision, are not covered. 6) Loss due to radioactivity is not covered. 7) Loss of or damage to any tape, wire, record disc, or other medium for use with a device designed for the recording 8) We do not cover loss to any radar or laser detector. 9) We do not cover trailers when used for business or commercial purposes with vehicles other than private passenger, farm or utility autos. 10) We do not cover loss to an owned auto or a non-owned auto that results from the action or inaction of any governmental or civil authorities because you, a relative or anyone else in possession or custody of that vehicle is engaged or is accused of engaging in illegal acts whether or not convicted by that governmental authority. 11) There is no coverage for loss that results from nuclear exposure or explosion including resulting fire, radiation or contamination. 12) There is no coverage for loss that results from bio-chemical attack or exposure to bio-chemical agents 13) We do not cover loss for custom parts or equipment unless the existence of those custom parts or equipment has been previously reported to us and an endorsement to the policy has been added. 14) There is no coverage for any liability assumed under any contract or agreement. 15) There is no coverage for any loss resulting from; (a) The acquisition of a stolen vehicle; (b) Any governmental, legal or other action to return a vehicle to its legal, equitable, or beneficial owner, or anyone claiming an ownership interest in the vehicle; or (c) Any confiscation, seizure or impoundment of a vehicle by governmental authorities. (d) The sale of an owned auto. 16) There is no coverage for any loss resulting from the destruction, impoundment, confiscation or seizure of a vehicle by governmental or civil authorities due to its use by you, a relative, or a permissive user of the vehicle in illegal activity. 17) There is no coverage for any loss caused by participation in or preparing for any prearranged or organized racing or demolition contest or stunting activity of any nature.

Additional Coverage

LOSSES WE PAY Under the Uninsured Motorists Coverage we will pay damages for bodily injury which the insured is legally entitled to recover from the owner or operator of an uninsured motor vehicle or hit-and-run vehicle arising out of the ownership, maintenance or use of that auto. The amount of the insured's recovery for these damages will be determined by agreement between the insured or his representative and us. The dispute may be arbitrated if an agreement cannot be reached.

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1) An auto used to carry passengers or goods for hire is not covered. However, a vehicle used in an ordinary car pool on a ride sharing or cost sharing basis is covered. 2) Loss due to war is not covered. 3) We do not cover loss to a non-owned auto when used by the insured in the auto business. 4) There is no coverage for damages caused by and limited to wear and tear, freezing, mechanical or electrical breakdown or failure, unless that damage results from a covered theft. 5) Tires, when they alone are damaged by collision, are not covered. 6) Loss due to radioactivity is not covered. 7) Loss of or damage to any tape, wire, record disc, or other medium for use with a device designed for the recording 8) We do not cover loss to any radar or laser detector. 9) We do not cover trailers when used for business or commercial purposes with vehicles other than private passenger, farm or utility autos. 10) We do not cover loss to an owned auto or a non-owned auto that results from the action or inaction of any governmental or civil authorities because you, a relative or anyone else in possession or custody of that vehicle is engaged or is accused of engaging in illegal acts whether or not convicted by that governmental authority. 11) There is no coverage for loss that results from nuclear exposure or explosion including resulting fire, radiation or contamination. 12) There is no coverage for loss that results from bio-chemical attack or exposure to bio-chemical agents 13) We do not cover loss for custom parts or equipment unless the existence of those custom parts or equipment has been previously reported to us and an endorsement to the policy has been added. 14) There is no coverage for any liability assumed under any contract or agreement. 15) There is no coverage for any loss resulting from; (a) The acquisition of a stolen vehicle; (b) Any governmental, legal or other action to return a vehicle to its legal, equitable, or beneficial owner, or anyone claiming an ownership interest in the vehicle; or (c) Any confiscation, seizure or impoundment of a vehicle by governmental authorities. (d) The sale of an owned auto. 16) There is no coverage for any loss resulting from the destruction, impoundment, confiscation or seizure of a vehicle by governmental or civil authorities due to its use by you, a relative, or a permissive user of the vehicle in illegal activity. 17) There is no coverage for any loss caused by participation in or preparing for any prearranged or organized racing or demolition contest or stunting activity of any nature.

Comprehensive Coverage

We will also pay damages the insured is legally entitled to recover for bodily injury caused by an accident and arising out of the ownership, maintenance or use of an underinsured motor vehicle . However, we will not pay until the total of all bodily injury liability insurance available has been exhausted by payment of judgments or settlements.

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1) An auto used to carry passengers or goods for hire is not covered. However, a vehicle used in an ordinary car pool on a ride sharing or cost sharing basis is covered. 2) Loss due to war is not covered. 3) We do not cover loss to a non-owned auto when used by the insured in the auto business. 4) There is no coverage for damages caused by and limited to wear and tear, freezing, mechanical or electrical breakdown or failure, unless that damage results from a covered theft. 5) Tires, when they alone are damaged by collision, are not covered. 6) Loss due to radioactivity is not covered. 7) Loss of or damage to any tape, wire, record disc, or other medium for use with a device designed for the recording 8) We do not cover loss to any radar or laser detector. 9) We do not cover trailers when used for business or commercial purposes with vehicles other than private passenger, farm or utility autos. 10) We do not cover loss to an owned auto or a non-owned auto that results from the action or inaction of any governmental or civil authorities because you, a relative or anyone else in possession or custody of that vehicle is engaged or is accused of engaging in illegal acts whether or not convicted by that governmental authority. 11) There is no coverage for loss that results from nuclear exposure or explosion including resulting fire, radiation or contamination. 12) There is no coverage for loss that results from bio-chemical attack or exposure to bio-chemical agents 13) We do not cover loss for custom parts or equipment unless the existence of those custom parts or equipment has been previously reported to us and an endorsement to the policy has been added. 14) There is no coverage for any liability assumed under any contract or agreement. 15) There is no coverage for any loss resulting from; (a) The acquisition of a stolen vehicle; (b) Any governmental, legal or other action to return a vehicle to its legal, equitable, or beneficial owner, or anyone claiming an ownership interest in the vehicle; or (c) Any confiscation, seizure or impoundment of a vehicle by governmental authorities. (d) The sale of an owned auto. 16) There is no coverage for any loss resulting from the destruction, impoundment, confiscation or seizure of a vehicle by governmental or civil authorities due to its use by you, a relative, or a permissive user of the vehicle in illegal activity. 17) There is no coverage for any loss caused by participation in or preparing for any prearranged or organized racing or demolition contest or stunting activity of any nature.

Auto Insurance Top 5 Policy Overview Geico Casualty Company

Coverage A - Liability Coverage

Medical Payments Coverage

Uninsured Motor Vehicle Coverage

Underinsured Motor Vehicle Coverage

Physical Damage Coverage

Additional Coverage

Comprehensive Coverage

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