Bridge Your Auto Policy Gap with Drive-Other-Car Coverage

If you provide company vehicles to your employees and these employees don’t have their own personal automobile policy, a potential gap in coverage may exist. To adequately cover your risk, a drive-other-car endorsement is specifically intended to bridge this gap.

Drive-Other-Car Coverage Basics

If you have employees who are provided with company-owned vehicles, they often do not have an additional automobile and therefore do not carry a personal automobile policy.

If the employee doesn’t carry a personal policy and drives a vehicle borrowed from another party, other than the company-issued vehicle, drive-other-car coverage affords them protection should an accident occur.

In all of these circumstances, the business automobile policy provides no coverage since the “covered auto,” or company-owned vehicle, was not involved in the accident. A drive-other-car endorsement closes the exposure loop in

Fire Extinguisher Safety

Drive-other-car coverage is endorsed onto your business automobile policy and provides coverage only for scheduled individuals.

Properly fighting small fires

Fire extinguishers are designed to fight fires in their early stages when the fire presents a relatively small hazard. An extinguisher can be used when the fire possesses the following characteristics: closes and the discharge stops

Be safe and healthy on the job with these helpful tips provided by CBIZ…

How Does This Differ from Hired/Non-Owned Coverage?

S Sweep

There are some key differences between hired/nonowned coverage and drive-other-car coverage:

Small

Sweep the nozzle by moving your arm at the elbow. Direct the discharge to cover the entire width of the base of the fire.

• Slow growing

Giving off minimal smoke

• Emitting minimal heat

Know Your A B Cs

• Hired automobile coverage is provided for vehicles that are leased, rented, hired or borrowed by the insured or its employees for business purposes.

If a fire is too large, if there is too much smoke or if you are too frightened, evacuate immediately.

Using the wrong fire extinguisher can result in more damage than the fire itself. All extinguishers have nameplates identifying their usage instructions, as outlined below.

• Non-owned coverage is afforded to employers when an employee uses their own personal vehicle for business purposes.

Class A Fires

Take these steps to minimize your exposure: Require all employees who are either issued or will drive company vehicles to have personal automobile policies. Notify CBIZ Inc. of any employees and family members who do not have personal automobile policies. Review the coverage provided on the endorsement so that you have a clear understanding of what is included. Coverage can include liability, medical payments, uninsured motorist and physical damage coverage. Review the endorsement to ensure that all employees and/or family members who do not have personal automobile policies are scheduled on the endorsement. Notify us of any individuals not shown on the schedule.

Never feel like you must stay and fight a fire. If, at any point, you feel like your safety is threatened while using a fire extinguisher get out immediately

Proper Planning is No Accident

PASS

Use the PASS method:

Are You Covered?

P Pull

• The safety pin is usually held in place by a plastic seal and will pull off. Do not push down on the operating lever while pulling the pin, it won’t come out.

Only use Class A extinguishers for wood, paper, trash and other items that produce glowing embers as they burn. Class A extinguishers should never be used on gas or electrical fires.

To show how drive-other-car coverage applies, consider the following situations:

Class B Fires

• A salesperson rents a car for personal use on vacation and damages another vehicle. Is he or she covered?

A Aim

For more information, contact Brad Schmid at bschmid@cbiz.com or 763-549-2247.

An agent who understands your business can help you understand drive-other-car coverage and endorse your business automobile policy to your individual needs. Call us today at 763-549-2247 to ensure that your automobile coverage adequately meets your needs.

Aim at the base of the fire, the lowest flame closest to you. The base of the fire will recede from you as you use the extinguisher, so you must adjust your aim.

• Only use Class B extinguishers to fight fires caused by flammable liquid and gas (gasoline, paint thinners, solvents, grease and acetylene).

• A business owner has all the vehicles titled in the company’s name. The owner’s family travels out of town on vacation and rents a car, opts not to purchase coverage and is involved in an accident. Is he or she covered?

S Squeeze

For more information, contact Brad Schmid at bschmid@cbiz.com or (763) 549-2247.

Class C Fires

• Use a Class C extinguisher only to fight energized electrical equipment fires

• An executive borrows a friend’s minivan to move and is involved in an accident. Is he or she covered?

The operating lever is above the carrying handle. The operating lever opens the valve when you squeeze it down. When you let go, the valve

Legislative Update

continued from pg. 5

There are also extinguishers known as a Class ABC extinguishers, which can be used for all types of fires.

Prior to the tour, AASP-MN leadership will work to prepare you to host your lawmaker by providing talking points and walking through the process. AASP-MN leadership will also attend the tour.

Tours typically start out with introductions where members can share information about themselves and their business and learn about the legislator’s interests and background. From here, your tour may showcase a high-level of technology legislators may not be familiar with (such as paint booths, diagnostic computers, etc.). This helps legislators understand the level of skill involved with some repairs and that the business provides highwage job opportunities in their districts.

As the tour moves on, AASP-MN members should share their unique experiences and concerns with the elected official. AASP-MN leadership can help provide broader industry issues and proposed solutions. Tours will typically end by asking the legislator to support proposed legislation or be open to meeting closer to session to review draft legislation.

These tours are relatively painless and can pay huge dividends for AASP-MN later on. Lawmakers who develop personal connections with local businesses are much more likely to be responsive and helpful in enacting legislation in the future.

How to set up a tour

Tours can be set up by contacting the AASP-MN Executive Director Linden Wicklund (linden@aaspmn. org), Sam Richie (srichie@fryberger.com) or Shannon Mitchell (smitchell@fryberger.com) with a list of available dates for the tour. AASP-MN leadership and the Government Relations team will coordinate with the legislators to secure a time for the shop visit and confirm with you. We will help you prepare by outlining the basics of the tour, tailored to your specific legislator, as well as providing relevant talking points.

The Database Enhancement Gateway (DEG) helps improve the information in collision repair estimates through repairer feedback about vehicle-specific errors, omissions and inaccuracies in the databasae and labor times. If you are performing automotive repairs of any kind - collision or mechanical - you need to utilize the DEG! Check out some recent Database Inquiries - and their resolutions - below!

All Three Systems: Mask for Primer

Masking labor and material costs for primer application are a NON-INCLUDED operation in all three estimating systems.

Audatex DBRM Section 4-4 Page 139: “When the estimator enters a judgment time for refinish labor, the estimator also determines the included operations. Operations that might be considered in the repair refinish time include any steps required to bring the panel to the condition of a new, undamaged panel. This may include feather edge, blow off and clean, mask to prime, tack off, mix etch primer, prime bare metal, mix and apply primer filler, guide coat application, unmask as required and block sand. Panel scuff to facilitate application of clear may also be considered for two- or three-stage refinish.”

CCC/MOTOR GTE: Basic Color Coat Application: Does Not Include: Cover / mask for prime and block

Mitchell CEG: Refinish General Information: “Repaired/Used Panels: Labor times related to repaired and/or used panels –example: Remove and install or masking of glass, outside handles or exterior trim, feather prime & block, masking for primer surfacer application – are not included in refinish time. The steps required for refinishing a repaired and/or used panel may vary from those required for a new panel depending on the condition of the repaired and/or used panel.”

Mitchell: Section Quarter Panel Labor Time

OEMs may have a procedure to allow for both full panel replacement and sectioning of a quarter panel. When such situations arise, Mitchell users should reference the following statement per the CEG 20 Quarter Panel.

“FULL PANEL REPLACEMENT PROCEDURE: Labor times are for replacement at factory seams if feasible. However, many quarter panels cannot be replaced at roof seams because the roof panel overlaps the quarter. If a quarter panel is designed in this manner and a section time is not listed, the time in the text represents replacement of the panel at the most practical area - usually below the roof seam. This method is considered a full panel replacement provided the back glass and, if applicable, the quarter glass is removed for splicing in the pillar/sail areas.”

All Three Systems: Drilling Holes and Modifications

Replacement panels may need to be modified by drilling or cutting out factory stamped holes. Additional labor to modify a panel is not included.

Audatex DBRM, page 43, Section 4-2 Labor Exclusions: Labor for drilling necessary to attach parts

CCC/MOTOR GTE: LABOR PROCEDURES – GENERAL INFORMATION >> ESTIMATED WORK TIME PREMISE >> “DOES NOT INCLUDE”: Drilling, modification or fabrication of mounting holes

Mitchell CEG: General Estimating Information >> Labor General Information >> Additions to Labor Times >> “Rework Parts”: To fit a particular year or model (example: cutting holes for lamps, modifying a radiator support).

CCC/MOTOR: Raise and Support Vehicle for Wheel R&I DEG Inquiry 31205 addresses raising a vehicle on a twopost lift/hoist when performing a R&I wheel operation.

“After review, The R&I Operation R&I Wheel does not include raising/supporting the vehicle using a 2-post hoist/lift. Please note: R&I Wheel includes removing the Wheel from the vehicle and installing it on the vehicle.”

Audatex: DBRM Update

Audatex/Qapter users can locate the recently-updated 2023 DBRM in the Solera university website. The website will require a login. If the user does not have a login, they can reach out to support at AXUS.AAContactSupport@audatex.com Solera is currently working on publicly updating the information within Qapter estimating system.