a. The insuring agreement for physical damage limits coverage to "loss" to "covered autos", as these terms are defined.
Covered autos for physical damage coverage, like the liability section, are determined with proper symbol selection (see Covered Autos Defined).
Symbol 27 would require each vehicle to be scheduled in the Declarations, which is generally not practical for auto dealers. Symbol 27 is normally used only for trailer dealers. Symbols 22, 23 or 24 could also be used for trailer dealers.
For auto dealers, symbol 31 would be the only acceptable symbol, providing "blanket" coverage on all vehicles as described in the Item Six of the Declarations.
Coverage on autos under this insuring agreement extends to equipment pertaining to the covered auto, subject to some specific exclusions (see below). This would include items which are attached to the auto (such as camper tops) or which are necessary for its use or maintenance (such as tire jacks and tools) or used exclusively in the auto (such as radios and telephones).
Indirect loss, such as reimbursement for rental expenses for a substitute auto following a direct loss, is not covered. Coverage is available on endorsement CA 99 23 (Rental Reimbursement Coverage).
Endorsement CA 99 05 (Business Interruption Coverage) adds business income and extra expense coverage for loss arising out of damage to autos scheduled in the endorsement, with options for a separate limit of insurance on each scheduled item or a single limit for all scheduled items.