Understanding Hired vs. Non-Owned Auto Coverage | United Commercial Insurance Explains

Welcome to United Commercial Insurance! In this video, Rylie, our expert insurance agent, breaks down the differences between "Hired vs. Non-Owned Auto" coverage in commercial auto insurance.

We'll cover:

Any Auto Coverage: The broadest form of commercial auto insurance, providing liability protection for any auto a business owns, hires, leases, or uses for business purposes.

Includes: Owned autos, hired autos, non-owned, or newly acquired autos.
Scheduled Auto Coverage: More specific and limited, covering only the vehicles that are specifically listed (scheduled) on the policy.

Each vehicle must be individually described in the policy for coverage to apply.
FMCSA Requirements: Why the FMCSA requires all owned vehicles to be listed on a motor carrier's insurance policy to ensure clarity and accountability.

Form MCS-90 Endorsement: The importance of this endorsement and how it ensures that a motor carrier's policy meets the required minimum levels of public liability coverage.

Learn why listing all owned vehicles on a motor carrier's insurance policy is crucial for comprehensive coverage, regulatory compliance, safety, and accountability. Accurate risk assessment, efficient claims processing, and maintaining public safety on the roads are all integral to the FMCSA's mission of ensuring safety in motor carrier operations and protecting public interests.

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