What is an example of a coverage that is not included for commercial vehicles over 10,000 lbs according to FAJUA?

Collision coverage is a specific type of insurance that pays for damage to a vehicle resulting from a collision with another vehicle or object. In the context of commercial vehicles over 10,000 lbs under the Florida Automobile JUA (FAJUA), collision coverage is not typically included as part of the standard coverage offerings. This is primarily because commercial vehicles often have different risk profiles and coverage requirements compared to standard passenger vehicles.

In many cases, commercial vehicles are subject to specialized insurance policies that reflect their heavier weight and use, which may not include collision coverage automatically. Instead, operators of these vehicles often need to manually add this coverage if desired, considering their operational needs and the nature of their business.

Understanding the distinctions between different types of coverage is crucial for agents to provide adequate advice to clients, particularly those operating larger commercial vehicles that may have unique insurance considerations.