Auto Insurance Symbol 19: What Does It Mean?

Auto coverage symbols are Arabic numerals (1–9 and 19 for business auto) that indicate the types of autos that are insured for each kind of coverage. Symbol 19 designates mobile equipment subject to a compulsory or financial responsibility law. This means that it applies to any land vehicle deemed to be mobile equipment under the company's auto insurance policy. This symbol is rarely used as its provisions are mostly covered in the definitions of symbols 1 and 2.

Symbol 19 designates mobile equipment

Auto coverage symbols are Arabic numerals (1–9 and 19 for business auto) that denote the category of autos a commercial auto policy's various coverages will apply to. Symbol 19 designates mobile equipment that is subject to a compulsory or financial responsibility law. This means that it covers any land vehicle deemed to be mobile equipment under the company's auto insurance policy.

Symbol 19 is rarely used. This is because the standard business auto policy considers mobile equipment (such as a bulldozer or forklift) to be a vehicle if it's being driven on a public road and is required by law to be insured for liability. As such vehicles qualify as autos, they can be covered via any symbol that triggers coverage for commercial autos owned by the company. For example, symbols 1, 2, or 4 can be used to trigger coverage for commercial autos owned by the insured.

Symbol 19 may be used if you acquire mobile equipment during the policy period, the vehicle must be insured for liability, and none of the symbols currently used on your policy are appropriate. For instance, suppose you purchase a commercial auto policy that covers only hired and non-owned autos. Two months after your policy begins, you buy a forklift. The law in your state requires you to insure a forklift for liability if you want to drive it on a public road. Symbols 8 and 9 don't cover owned autos, so symbol 19 can be added to cover the forklift.

Symbol 19 usually appears in conjunction with symbol 7. Additionally, you can use it if you purchase mobile equipment during the policy period (provided the vehicle is insured for liability and none of the existing policy symbols fit the situation).

It applies to vehicles considered mobile equipment

Symbol 19 is a designation in commercial auto insurance policies. It applies to vehicles considered mobile equipment that are subject to a compulsory or financial responsibility law. This includes vehicles like bulldozers or forklifts that are being driven on a public road and are required by law to be insured for liability.

The distinction between "auto" and "mobile equipment" is important because it determines the type of insurance coverage that applies. "Autos" are typically vehicles designed for travel on public roads, while "mobile equipment" refers to vehicles designed for use principally off public roads. However, the line between the two can sometimes be blurred, and the specific definitions can vary among insurance companies and policies.

Mobile equipment typically refers to equipment or machinery designed for off-road use or for transporting permanently attached equipment. This includes vehicles on crawler treads, such as excavators and snowcats, as well as vehicles with permanently attached cranes, shovels, loaders, diggers, or drills. It also includes non-self-propelled equipment like power washers, well-servicing equipment, and cherry pickers.

The use of symbol 19 is relatively rare. This is because, under the standard business auto policy, mobile equipment that is driven on a public road and is required by law to be insured for liability is considered an auto and can be covered by symbols that trigger coverage for commercial autos owned, such as symbols 1, 2, or 4.

However, symbol 19 may be used in specific situations. For example, if a business acquires mobile equipment during the policy period and the vehicle must be insured for liability, but none of the other symbols on the policy are appropriate. In this case, symbol 19 can be added to cover the mobile equipment.

It's important to note that the specific coverage provided by symbol 19 may vary depending on the insurance company and the policy details. It is always advisable to consult with an insurance professional to understand the specific coverage and how it applies to your vehicles.

It's rarely used

Auto coverage symbols are Arabic numerals (1–9 and 19 for business auto) used to indicate what category of autos a commercial auto policy's various coverages will apply to. Symbol 19 designates mobile equipment that is subject to a compulsory or financial responsibility law.

Symbol 19 is rarely used. This is because the standard business auto policy considers mobile equipment (such as a bulldozer or forklift) to be an auto if it's being driven on a public road and is required by law to be insured for liability. As such vehicles qualify as autos, they can be covered via any symbol that triggers coverage for commercial autos owned by the business, such as symbols 1, 2, or 4.

Symbol 19 may be used if you acquire mobile equipment during the policy period, the vehicle must be insured for liability, and none of the symbols currently used on your policy are appropriate. For example, suppose you purchase a commercial auto policy that covers only hired and non-owned autos. Two months after your policy begins, you buy a forklift. The law in your state requires you to insure a forklift for liability if you want to drive it on a public road. Symbols 8 and 9 don't cover owned autos, so symbol 19 can be added to cover the forklift.

Symbol 19 usually appears in conjunction with symbol 7. Symbol 7 is the most commonly used symbol on a business or commercial auto insurance policy. It is designed to provide coverage to autos specifically listed on the policy (similar to a personal auto policy). Owned vehicles are listed by VIN, and the policyholder pays a premium to cover those vehicles only.

It's used for vehicles acquired during the policy period

Auto insurance symbols are used to denote what category of autos a commercial auto policy's various coverages will apply to. Symbol 19 designates mobile equipment that is subject to a compulsory or financial responsibility law. This includes vehicles like bulldozers and forklifts.

Symbol 19 is rarely used because standard business auto policies consider mobile equipment an auto if it's being driven on a public road and is required by law to be insured for liability. Since such vehicles qualify as autos, they can be covered via any symbol that triggers coverage for commercial autos owned by the policyholder.

However, Symbol 19 may be used if you acquire mobile equipment during the policy period, and none of the symbols currently used on your policy are appropriate. For example, if you purchase a commercial auto policy that covers only hired and non-owned autos, and then buy a forklift a few months later, you may need to add Symbol 19 to cover the forklift. This is because the law in your state may require you to insure a forklift for liability if you want to drive it on a public road, and Symbols 8 and 9 don't cover owned autos.

Therefore, Symbol 19 can be useful for businesses that acquire vehicles during the policy period, ensuring they are insured for liability even if they don't fall under the standard categories of owned, hired, or non-owned autos.

It's used when other symbols don't fit the situation

Auto coverage symbols are Arabic numerals (1–9 and 19 for business auto) used to indicate what category of autos a commercial auto policy's various coverages will apply to. Symbol 19 designates mobile equipment that is subject to a compulsory or financial responsibility law. This symbol is rarely needed because the standard business auto policy considers mobile equipment (such as a bulldozer or forklift) an auto if it's being driven on a public road and is required by law to be insured for liability.

However, symbol 19 may be used if you acquire mobile equipment during the policy period, the vehicle must be insured for liability, and none of the other symbols on your policy are appropriate. For example, if you purchase a commercial auto policy that covers only hired and non-owned autos, and then buy a forklift, symbol 19 can be added to cover the forklift. This is because the law in your state may require you to insure a forklift for liability if you want to drive it on a public road. Symbols 8 and 9 don't cover owned autos, so symbol 19 can be added to cover this scenario.

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