Which of the following is NOT a difference between a BAP and a trucker's policy?

Which of the following is NOT a difference between a BAP and a trucker's policy?

• A. A BAP uses coverage symbols to designate covered autos.
• B. A trucker's policy covers cargo.
• C. A BAP is for business use only.
• D. A trucker's policy provides coverage for liability in transit.

Answer: (A)

The assertion that a BAP (Business Auto Policy) uses coverage symbols to designate covered autos is actually an inherent characteristic of the policy, making it a distinction rather than a difference from a trucker's policy. Both BAPs and trucker’s policies utilize coverage symbols for their respective types of vehicles. This characteristic does not serve to differentiate the two types of policies since both apply the same concept of using symbols for clarity in coverage. The other options involve elements that distinctly differentiate the policies. For instance, a trucker’s policy is specifically designed to cover cargo, which a BAP does not typically encompass, as the BAP focuses on the vehicles themselves. Moreover, a trucker’s policy also includes liability coverage for goods being transported, reinforcing its specific aim at covering the risks associated with freight transportation, unlike the BAP that is solely for business vehicle usage without emphasis on cargo liability. Overall, the use of coverage symbols in a BAP is a common practice between both types of policies, thus making it not a distinguishing difference like the other attributes listed.

The assertion that a BAP (Business Auto Policy) uses coverage symbols to designate covered autos is actually an inherent characteristic of the policy, making it a distinction rather than a difference from a trucker's policy. Both BAPs and trucker’s policies utilize coverage symbols for their respective types of vehicles. This characteristic does not serve to differentiate the two types of policies since both apply the same concept of using symbols for clarity in coverage.

The other options involve elements that distinctly differentiate the policies. For instance, a trucker’s policy is specifically designed to cover cargo, which a BAP does not typically encompass, as the BAP focuses on the vehicles themselves. Moreover, a trucker’s policy also includes liability coverage for goods being transported, reinforcing its specific aim at covering the risks associated with freight transportation, unlike the BAP that is solely for business vehicle usage without emphasis on cargo liability.

Overall, the use of coverage symbols in a BAP is a common practice between both types of policies, thus making it not a distinguishing difference like the other attributes listed.