Question

Josh is driving through town in the company truck when he misses his turn. He decides just to make a U-turn and double back. Unfortunately, he doesn't see the car coming up alongside of him and the two collide. Josh files a claim with the company's CGL, but the claim is denied because:

A. Josh was at fault in the accident.
B. a CGL does not cover U-turns.
C. Josh was driving a commercial pickup truck.
D. a CGL does not cover auto accidents.

Answer 1

Josh's claim with the company's CGL was likely denied because a CGL policy generally excludes coverage for auto accidents. These are usually covered by a commercial auto insurance policy, not a CGL policy.

Step-by-step explanation:

The Commercial General Liability (CGL) insurance in question typically does not cover auto accidents. This is because the CGL policy is designed to provide coverage for claims of bodily injury or property damage that the business may cause during its operations, excluding auto-related incidents.

The claim submitted by Josh for the car accident while driving the company truck would be denied because a CGL policy excludes coverage for auto accidents, which are typically covered under a commercial auto insurance policy, not CGL.