Final answer:
Specified Causes of Loss (SCL) coverage on commercial auto insurance excludes intentional acts, wear and tear, earthquakes, floods, war or government actions.
Step-by-step explanation:
Specified Causes of Loss (SCL) coverage on commercial auto insurance excludes certain perils or causes of loss. These exclusions vary depending on the insurance policy, but some common exclusions include:
- Intentional acts: Any loss or damage caused intentionally by the insured party is excluded from coverage.
- Wear and tear: Damage or loss resulting from normal wear and tear or gradual deterioration is typically excluded.
- Earthquakes: Losses caused by earthquakes are generally excluded, as they require separate coverage.
- Floods: Similar to earthquakes, losses resulting from floods are usually not covered under standard commercial auto insurance policies.
- War or government action: Losses arising from war, civil unrest, or government actions such as seizure or destruction of the insured vehicle are commonly excluded.
It is important to review the specific policy to understand the exact exclusions of the Specified Causes of Loss coverage for commercial auto insurance, as they can vary between insurance providers.