ACORD 138 CO (2014/12) - COLORADO GARAGE AND DEALERS COVERAGES / LIMITS SECTION

ACORD 138 CO (2014/12) - COLORADO GARAGE AND DEALERS COVERAGES / LIMITS SECTION
ACORD 138 CO, Colorado Garage and Dealers, Coverages / Limits Section, is used to collect the coverage and limit information necessary to
write Garage and Dealers insurance in this state.
Use this form with ACORD 128, Garage and Dealers Section.
The following are the specific differences in this state:
* Personal Injury Protection coverages are no longer offered in Colorado effective July 1, 2003. Refer to your state manual.
* Underinsured Motorists coverage is included in Uninsured Motorists coverage.
* The fraud warning is specific to the state.
* Statement added referring to the explanation and offer to the applicant of Uninsured Motorists coverage, and the right of the applicant to select /
reject coverage. If Uninsured Motorists Bodily Injury coverage is rejected entirely, the applicant must initial the statement.
* Statement added referring to the explanation and offer to the applicant of Uninsured Motorists Property Damage coverage. This option does not
apply unless a deductible option is selected and a premium appears for the selected vehicle.
Form Page 1
Section Name
Field Name
Description
IDENTIFICATION SECTION
Agency Customer ID
Enter identifier: The customer's identification number assigned by the producer (e.g., agency or
brokerage).
IDENTIFICATION SECTION
Date
Enter date: The date on which the form is completed.
IDENTIFICATION SECTION
Agency
Enter text: The full name of the producer / agency.
IDENTIFICATION SECTION
Policy Number
Enter identifier: The identifier assigned by the insurer to the policy, or submission, being
referenced exactly as it appears on the policy, including prefix and suffix symbols. If required for
self-insurance, the self-insured license or contract number.
IDENTIFICATION SECTION
Effective Date
Enter date: The effective date of the policy. The date that the terms and conditions of the policy
commence.
IDENTIFICATION SECTION
Named Insured(s)
Enter text: The named insured(s) as it / they will appear on the policy declarations page.
IDENTIFICATION SECTION
Carrier
Enter text: The insurer's full legal company name(s) as found in the file copy of the policy. Use
the actual name of the company within the group to which the policy has been issued. This is
not the insurer's group name or trade name.
IDENTIFICATION SECTION
NAIC Code
Enter code: The identification code assigned to the insurer by the NAIC.
ACORD 138 CO (2014/12) rev. 01-30-2014
Page 1 of 9
COVERAGES / LIMITS
Automobile
Check the box (if applicable): Indicates the policy coverage includes automobile. Note that both
automobile and premises operations coverages can apply.
COVERAGES / LIMITS
Premises Operations
checkbox
Check the box (if applicable): Indicates the policy coverage includes premises operations. Note
that both automobile and premises operations coverages can apply.
COVERAGES / LIMITS
Liability 21
Check the box (if applicable): Indicates any auto is covered. As used here, Garage or Dealers
policies use numeric symbols on the policy declarations to indicate the type(s) of vehicles for
which coverage is in effect. Be sure to check the appropriate box for each type of coverage.
Only those symbols specified for a coverage may be used. Symbols 21 through 26 provide fleet
automatic coverage. Symbol 21 includes Hired and Non-Owned auto coverage. If symbol 21 is
not used and Hired Auto (symbol 28) or Non-Owned Auto (symbol 29) coverage is desired,
those symbols must be checked.
The symbols indicate the automobiles to which each coverage applies. The symbol triggers
the coverage. For exact policy definitions of the symbols, please refer to the company's policy
declarations page.
COVERAGES / LIMITS
Liability 22
Check the box (if applicable): Indicates all owned autos are covered.
COVERAGES / LIMITS
Liability 23
Check the box (if applicable): Indicates only owned private passengers autos are covered.
COVERAGES / LIMITS
Liability 24
Check the box (if applicable): Indicates owned autos other than private passenger autos are
covered.
COVERAGES / LIMITS
Liability 27
Check the box (if applicable): Indicates specifically described autos are covered.
COVERAGES / LIMITS
Liability 28
Check the box (if applicable): Indicates only hired autos are covered.
COVERAGES / LIMITS
Liability 29
Check the box (if applicable): Indicates non-owned autos used in garage business are covered.
COVERAGES / LIMITS
Other Covered Auto Symbol
Check the box (if applicable): Indicates that a symbol other than those listed should be used.
COVERAGES / LIMITS
Other Covered Auto Symbol
Description
Enter code: The symbol code for the coverage. Use the symbols specified for a coverage, or
enter a company-unique symbol if applicable.
COVERAGES / LIMITS
Ea Acc ($) Auto Only
Enter limit: The liability each accident limit for garage operations auto only. For Dealers, use
this field to enter the Policy Combined Single Limit.
COVERAGES / LIMITS
Ea Acc ($) Other than Auto
Only
Enter limit: The liability each accident limit for garage operations other than auto only.
COVERAGES / LIMITS
Aggregate ($)
Enter limit: The liability aggregate limit for garage operations other than auto only.
COVERAGES / LIMITS
Limited
Check the box (if applicable): Indicates the liability coverage is limited for dealers.
COVERAGES / LIMITS
Unlimited
Check the box (if applicable): Indicates the liability coverage is unlimited for dealers.
COVERAGES / LIMITS
Medical Payments 21
Check the box (if applicable): Indicates any auto is covered.
COVERAGES / LIMITS
Medical Payments 22
Check the box (if applicable): Indicates all owned autos are covered.
ACORD 138 CO (2014/12) rev. 01-30-2014
Page 2 of 9
COVERAGES / LIMITS
Medical Payments 23
Check the box (if applicable): Indicates only owned private passengers autos are covered.
COVERAGES / LIMITS
Medical Payments 24
Check the box (if applicable): Indicates owned autos other than private passenger autos are
covered.
COVERAGES / LIMITS
Medical Payments 27
Check the box (if applicable): Indicates specifically described autos are covered.
COVERAGES / LIMITS
Medical Payments 28
Check the box (if applicable): Indicates only hired autos are covered.
COVERAGES / LIMITS
Medical Payments 29
Check the box (if applicable): Indicates non-owned autos used in garage business are covered.
COVERAGES / LIMITS
Other Covered Auto Symbol
Check the box (if applicable): Indicates that a symbol other than those listed should be used.
COVERAGES / LIMITS
Other Covered Auto Symbol
Description
Enter code: The symbol code for the coverage. Use the symbols specified for a coverage, or
enter a company-unique symbol if applicable.
COVERAGES / LIMITS
Limit ($)
Enter limit: The medical payments per person limit.
COVERAGES / LIMITS
Uninsured Motorists 22
Check the box (if applicable): Indicates all owned autos are covered.
COVERAGES / LIMITS
Uninsured Motorists 23
Check the box (if applicable): Indicates only owned private passengers autos are covered.
COVERAGES / LIMITS
Uninsured Motorists 24
Check the box (if applicable): Indicates owned autos other than private passenger autos are
covered.
COVERAGES / LIMITS
Uninsured Motorists 26
Check the box (if applicable): Indicates owned autos subject to uninsured motorists law are
covered.
COVERAGES / LIMITS
Uninsured Motorists 27
Check the box (if applicable): Indicates specifically described autos are covered.
COVERAGES / LIMITS
Other Covered Auto Symbol
Check the box (if applicable): Indicates that a symbol other than those listed should be used.
COVERAGES / LIMITS
Other Covered Auto Symbol
Description
Enter code: The symbol code for the coverage. Use the symbols specified for a coverage, or
enter a company-unique symbol if applicable.
COVERAGES / LIMITS
CSL (checkbox)
Check the box (if applicable): Indicates if the limit shown is for combined single limit on the
coverage.
COVERAGES / LIMITS
BI Ea Per (checkbox)
Check the box (if applicable): Indicates if the limit shown is the bodily injury each person limit on
the coverage.
COVERAGES / LIMITS
Amount
Enter limit: The uninsured motorists bodily injury per person limit. The use of this limit varies by
state. (in some states this may contain the combined single limit per accident limit amount.)
COVERAGES / LIMITS
BI Each Accident ($)
Enter limit: The uninsured motorists bodily injury per accident limit (in some states this may
contain the uninsured motorists combined single limit per accident limit). The use of this limit
varies by state.
COVERAGES / LIMITS
Limit PD
Enter limit: The uninsured motorists property damage per accident amount. The use of this limit
varies by state.
ACORD 138 CO (2014/12) rev. 01-30-2014
Page 3 of 9
COVERAGES / LIMITS
Additional Coverage
Description
Enter text: The description of other coverage (not the limit) on the vehicle policy. Any questions
about appropriate limits or applicable policy coverage(s) should be answered by the issuing
insurer(s).
COVERAGES / LIMITS
Additional Coverage
Covered Auto Symbols
Enter text: The symbols that apply to the other coverage listed.
COVERAGES / LIMITS
Additional Coverage Limit
Enter limit: The limit amount of the other coverage.
PHYSICAL DAMAGE
Comp/Specified Perils (OTC)
Check the box (if applicable): Indicates the physical damage is comprehensive/other than
collision.
PHYSICAL DAMAGE
Specified Perils
Check the box (if applicable): Indicates the physical damage coverage is for specified perils.
PHYSICAL DAMAGE
List Specified Perils
Enter text: The codes associated with specified perils coverage. The codes are: F - Fire, F&T -
Fire and Theft, FTW - Fire, Theft and Wind, LSP - Limited Specified Perils, SP - Specified
Perils.
PHYSICAL DAMAGE
Specified Perils 22
Check the box (if applicable): Indicates all owned autos are covered.
PHYSICAL DAMAGE
Specified Perils 23
Check the box (if applicable): Indicates only owned private passengers autos are covered.
PHYSICAL DAMAGE
Specified Perils 24
Check the box (if applicable): Indicates owned autos other than private passenger autos are
covered.
PHYSICAL DAMAGE
Specified Perils 27
Check the box (if applicable): Indicates specifically described autos are covered.
PHYSICAL DAMAGE
Specified Perils 28
Check the box (if applicable): Indicates only hired autos are covered.
PHYSICAL DAMAGE
Specified Perils 31
Check the box (if applicable): Indicates autos on consignment and dealer autos are covered.
PHYSICAL DAMAGE
Other Covered Auto Symbol
Check the box (if applicable): Indicates that a symbol other than those listed should be used.
PHYSICAL DAMAGE
Other Covered Auto Symbol
Description
Enter code: The symbol code for the coverage. Use the symbols specified for a coverage, or
enter a company-unique symbol if applicable.
PHYSICAL DAMAGE
LOC # One
Enter number: The producer assigned number for the location. The location number for the
physical damage coverages should correspond to a location number documented on the
ACORD 125.
PHYSICAL DAMAGE
Enter the Limits for Each
Location One
Enter limit: The physical damage comprehensive/other than collision or specified perils limit
amount.
PHYSICAL DAMAGE
Deductible Per Auto One
Enter deductible: The physical damage comprehensive/other than collision or specified perils
per auto deductible amount.
PHYSICAL DAMAGE
Maximum Deductible Per
Loss One
Enter deductible: The physical damage comprehensive/other than collision or specified perils
maximum deductible per loss amount.
ACORD 138 CO (2014/12) rev. 01-30-2014
Page 4 of 9
PHYSICAL DAMAGE
LOC # Two
Enter number: The producer assigned number for the location. The location number for the
physical damage coverages should correspond to a location number documented on the
ACORD 125.
PHYSICAL DAMAGE
Enter the Limits for Each
Location Two
Enter limit: The physical damage comprehensive/other than collision or specified perils limit
amount.
PHYSICAL DAMAGE
Deductible Per Auto Two
Enter deductible: The physical damage comprehensive/other than collision or specified perils
per auto deductible amount.
PHYSICAL DAMAGE
Maximum Deductible Per
Loss Two
Enter deductible: The physical damage comprehensive/other than collision or specified perils
maximum deductible per loss amount.
PHYSICAL DAMAGE
LOC # Three
Enter number: The producer assigned number for the location. The location number for the
physical damage coverages should correspond to a location number documented on the
ACORD 125.
PHYSICAL DAMAGE
Enter the Limits for Each
Location Three
Enter limit: The physical damage comprehensive/other than collision or specified perils limit
amount.
PHYSICAL DAMAGE
Deductible Per Auto Three
Enter deductible: The physical damage comprehensive/other than collision or specified perils
per auto deductible amount.
PHYSICAL DAMAGE
Maximum Deductible Per
Loss Three
Enter deductible: The physical damage comprehensive/other than collision or specified perils
maximum deductible per loss amount.
PHYSICAL DAMAGE
Collision 22
Check the box (if applicable): Indicates all owned autos are covered.
PHYSICAL DAMAGE
Collision 23
Check the box (if applicable): Indicates only owned private passengers autos are covered.
PHYSICAL DAMAGE
Collision 24
Check the box (if applicable): Indicates owned autos other than private passenger autos are
covered.
PHYSICAL DAMAGE
Collision 27
Check the box (if applicable): Indicates specifically described autos are covered.
PHYSICAL DAMAGE
Collision 28
Check the box (if applicable): Indicates only hired autos are covered.
PHYSICAL DAMAGE
Collision 31
Check the box (if applicable): Indicates autos on consignment and dealer autos are covered.
PHYSICAL DAMAGE
Other Covered Auto Symbol
Check the box (if applicable): Indicates that a symbol other than those listed should be used.
PHYSICAL DAMAGE
Other Covered Auto Symbol
Description
Enter code: The symbol code for the coverage. Use the symbols specified for a coverage, or
enter a company-unique symbol if applicable.
PHYSICAL DAMAGE
LOC # One
Enter number: The producer assigned number for the location. The location number for the
physical damage coverages should correspond to a location number documented on the
ACORD 125.
PHYSICAL DAMAGE
Enter the Limits for Each
Location One
Enter limit: The physical damage collision limit amount.
ACORD 138 CO (2014/12) rev. 01-30-2014
Page 5 of 9
PHYSICAL DAMAGE
Deductible ($)
Enter deductible: The physical damage collision per auto deductible amount.
PHYSICAL DAMAGE
LOC # Two
Enter number: The producer assigned number for the location. The location number for the
physical damage coverages should correspond to a location number documented on the
ACORD 125.
PHYSICAL DAMAGE
Enter the Limits for Each
Location Two
Enter limit: The physical damage collision limit amount.
PHYSICAL DAMAGE
Collision-Deductible
Enter deductible: The physical damage collision per auto deductible amount.
PHYSICAL DAMAGE
LOC # Three
Enter number: The producer assigned number for the location. The location number for the
physical damage coverages should correspond to a location number documented on the
ACORD 125.
PHYSICAL DAMAGE
Enter the Limits for Each
Location Three
Enter limit: The physical damage collision limit amount.
PHYSICAL DAMAGE
Collision-Deductible
Enter deductible: The physical damage collision per auto deductible amount.
PHYSICAL DAMAGE
Additional Coverage
Description
Enter text: The description of other coverage (not the limit) on the vehicle policy. Any questions
about appropriate limits or applicable policy coverage(s) should be answered by the issuing
insurer(s).
PHYSICAL DAMAGE
Additional Coverage
Covered Auto Symbols
Enter text: The symbols that apply to the other coverage listed.
PHYSICAL DAMAGE
Additional Coverage Limit
Enter limit: The limit amount of the other coverage.
GARAGE KEEPERS
Legal Liability
Check the box (if applicable): Indicates the policy is to be written on a legal liability basis.
GARAGE KEEPERS
Direct Basis
Check the box (if applicable): Indicates the policy is to be written on a direct basis.
GARAGE KEEPERS
Primary
Check the box (if applicable): Indicates this policy is the primary coverage.
GARAGE KEEPERS
Excess
Check the box (if applicable): Indicates this policy is for excess coverage.
GARAGE KEEPERS
Comp/Specified Perils (OTC)
Check the box (if applicable): Indicates the garage keepers coverage is comprehensive/other
than collision.
GARAGE KEEPERS
Specified Perils
Check the box (if applicable): Indicates the garage keepers coverage is for specified perils.
GARAGE KEEPERS
List Specified Perils
Enter text: The codes associated with specified perils coverage. The codes are: F - Fire, F&T -
Fire and Theft, FTW - Fire, Theft and Wind, LSP - Limited Specified Perils, SP - Specified
Perils.
GARAGE KEEPERS
30 (checkbox)
Check the box (if applicable): Indicates autos left for service, repairs and/or storage are
covered.
GARAGE KEEPERS
Other Covered Auto Symbol
Check the box (if applicable): Indicates that a symbol other than those listed should be used.
ACORD 138 CO (2014/12) rev. 01-30-2014
Page 6 of 9
GARAGE KEEPERS
Other Covered Auto Symbol
Description
Enter code: The symbol code for the coverage. Use the symbols specified for a coverage, or
enter a company-unique symbol if applicable.
GARAGE KEEPERS
LOC # One
Enter number: The producer assigned number for the location. The location number for the
garage keepers coverages should correspond to a location number documented on the ACORD
125.
GARAGE KEEPERS
Enter the Limits for Each
Location One
Enter limit: The garage keepers comprehensive/other than collision or specified perils limit
amount.
GARAGE KEEPERS
# of Autos One
Enter number: The number of vehicles located on the premises.
GARAGE KEEPERS
Deductible Per Auto One
Enter deductible: The garage keepers comprehensive/other than collision or specified perils per
auto deductible amount.
GARAGE KEEPERS
Maximum Deductible Per
Loss One
Enter deductible: The garage keepers comprehensive/other than collision or specified perils
maximum deductible per loss amount.
GARAGE KEEPERS
LOC # Two
Enter number: The producer assigned number for the location. The location number for the
garage keepers coverages should correspond to a location number documented on the ACORD
125.
GARAGE KEEPERS
Enter the Limits for Each
Location Two
Enter limit: The garage keepers comprehensive/other than collision or specified perils limit
amount.
GARAGE KEEPERS
# of Autos Two
Enter number: The number of vehicles located on the premises.
GARAGE KEEPERS
Deductible Per Auto Two
Enter deductible: The garage keepers comprehensive/other than collision or specified perils per
auto deductible amount.
GARAGE KEEPERS
Maximum Deductible Per
Loss Two
Enter deductible: The garage keepers comprehensive/other than collision or specified perils
maximum deductible per loss amount.
GARAGE KEEPERS
LOC # Three
Enter number: The producer assigned number for the location. The location number for the
garage keepers coverages should correspond to a location number documented on the ACORD
125.
GARAGE KEEPERS
Enter the Limits for Each
Location Three
Enter limit: The garage keepers comprehensive/other than collision or specified perils limit
amount.
GARAGE KEEPERS
# of Autos Three
Enter number: The number of vehicles located on the premises.
GARAGE KEEPERS
Deductible Per Auto Three
Enter deductible: The garage keepers comprehensive/other than collision or specified perils per
auto deductible amount.
GARAGE KEEPERS
Maximum Deductible Per
Loss Three
Enter deductible: The garage keepers comprehensive/other than collision or specified perils
maximum deductible per loss amount.
GARAGE KEEPERS
30 (checkbox)
Check the box (if applicable): Indicates autos left for service, repairs and/or storage are
covered.
ACORD 138 CO (2014/12) rev. 01-30-2014
Page 7 of 9
GARAGE KEEPERS
Other Covered Auto Symbol
Check the box (if applicable): Indicates that a symbol other than those listed should be used.
GARAGE KEEPERS
Other Covered Auto Symbol
Description
Enter code: The symbol code for the coverage. Use the symbols specified for a coverage, or
enter a company-unique symbol if applicable.
GARAGE KEEPERS
LOC # Four
Enter number: The producer assigned number for the location. The location number for the
garage keepers coverages should correspond to a location number documented on the ACORD
125.
GARAGE KEEPERS
Enter the Limits for Each
Location Four
Enter limit: The garage keepers collision limit amount.
GARAGE KEEPERS
# of Autos Four
Enter number: The number of vehicles located on the premises.
GARAGE KEEPERS
Deductible Per Auto Four
Enter deductible: The garage keepers collision per auto deductible amount.
GARAGE KEEPERS
LOC # Five
Enter number: The producer assigned number for the location. The location number for the
garage keepers coverages should correspond to a location number documented on the ACORD
125.
GARAGE KEEPERS
Enter the Limits for Each
Location Five
Enter limit: The garage keepers collision limit amount.
GARAGE KEEPERS
# of Autos Five
Enter number: The number of vehicles located on the premises.
GARAGE KEEPERS
Deductible Per Auto Five
Enter deductible: The garage keepers collision per auto deductible amount.
GARAGE KEEPERS
LOC # Six
Enter number: The producer assigned number for the location. The location number for the
garage keepers coverages should correspond to a location number documented on the ACORD
125.
GARAGE KEEPERS
Enter the Limits for Each
Location Six
Enter limit: The garage keepers collision limit amount.
GARAGE KEEPERS
# of Autos Six
Enter number: The number of vehicles located on the premises.
GARAGE KEEPERS
Deductible Per Auto Six
Enter deductible: The garage keepers collision per auto deductible amount.
GARAGE KEEPERS
Additional Coverage
Description
Enter text: The description of other coverage (not the limit) on the vehicle policy. Any questions
about appropriate limits or applicable policy coverage(s) should be answered by the issuing
insurer(s).
GARAGE KEEPERS
Additional Coverage
Covered Auto Symbols
Enter text: The symbols that apply to the other coverage listed.
GARAGE KEEPERS
Additional Coverage Limit
Enter limit: The limit amount of the other coverage.
GARAGE KEEPERS
Physical Damage Reporting
Period
Enter text: The timing of the reporting period if the policy will be on a Reporting basis.
Examples: Monthly, Quarterly, Semi-Annual.
GARAGE KEEPERS
Non-Reporting (checkbox)
Check the box (if applicable): Indicates the policy is on a non-reporting basis.
ACORD 138 CO (2014/12) rev. 01-30-2014
Page 8 of 9
GARAGE KEEPERS
# Dealer Plates/Repairer
Plates
Enter number: The total number of sets of dealer or repairer plates issued to the named insured.
GARAGE KEEPERS
# Transportation Plates
Enter number: The total number of sets of transportation plates issued to the applicant.
GARAGE KEEPERS
# Hoists
Enter number: The total number of hoists located on the premises.
GARAGE KEEPERS
Temporary Location Limit
Enter limit: The limit for covered autos stored temporarily off premises.
GARAGE KEEPERS
Transit Limit
Enter limit: The limit for covered autos in transit.
ENDORSEMENTS
Endorsements
Enter text: The remarks associated with the Garage and Dealers line of business. Enter any
endorsements that apply. Be sure to include the form numbers and the required information for
attaching the endorsement. ACORD 101, Additional Remarks Schedule, may be attached if
more space is required.
Form Page 2
Section Name
Field Name
Description
IDENTIFICATION SECTION
Agency Customer ID
Enter identifier: The customer's identification number assigned by the producer (e.g., agency or
brokerage).
ENDORSEMENTS /
REMARKS
Endorsements / Remarks
Enter text: The remarks associated with the Garage and Dealers line of business. Enter any
endorsements that apply. Be sure to include the form numbers and the required information for
attaching the endorsement. ACORD 101, Additional Remarks Schedule, may be attached if
more space is required.
SIGNATURE
UM BI Coverage Rejection
Initial here: The named insured's initials. As used here, indicates the named insured has
rejected uninsured motorists bodily injury coverage in its entirety.
SIGNATURE
Applicant's Signature
Sign here: Accommodates the signature of the applicant or named insured. As used here, the
applicant should read and understand the Fair Credit Reporting Act, the Privacy Act (where
applicable), the Applicant's Statement, and any other disclosure information on the form before
personally signing the application.
SIGNATURE
Date
Enter date: The date the form was signed by the named insured.
SIGNATURE
Producer's Signature
Sign here: Accommodates the signature of the authorized representative (e.g., producer, agent,
broker, etc.) of the company(ies) listed on the document. This is required in most states.
SIGNATURE
National Producer Number
Enter identifier: The National Producer Number (NPN) as defined in the National Insurance
Producer Registry (NIPR). Note: The NPN is not the same as the producer state license
number.
ACORD 138 CO (2014/12) rev. 01-30-2014
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