What it does
CA 23 85 adds the terrorism definitions used in ISO's auto terrorism forms but excludes only terrorism involving nuclear, biological or chemical materials (for example, release of pathogens or radioactive material in a terrorist act). Other terrorism events, such as an explosion caused by conventional means, remain covered subject to the policy's other terms. It modifies the auto dealers, business auto and motor carrier forms and the Single Interest Automobile Physical Damage Insurance Policy.
Who sees it
Accounts where the insurer is willing to cover conventional terrorism but not the catastrophic nuclear, biological or chemical exposure. The 10 13 edition is used in most jurisdictions; Puerto Rico uses the 01 06 edition.
Selling notes
- Compare with CA 23 84 (full terrorism exclusion). If the quote carries CA 23 85, the client keeps coverage for most terrorism-caused auto accidents.
- In states that require terrorism coverage up to minimum statutory limits, the equivalent form is CA 23 87.
- Pollution-type losses from nuclear, biological or chemical events may also be affected by the pollution and nuclear exclusions in the policy.
