![]() ![]() In Spears the court held the public or livery conveyance exclusion. The applicable policy exclusion excluded coverage to any automobile while used as a public or livery conveyance. Courts have also interpreted the phrase to encompass vehicles used for limited purposes. If you financed or leased the vehicle, you are responsible for paying off. ![]() The Trial Court sided with the insured and an appeal ensued. (b) Any other four-wheel motor vehicle with a load capacity of one thousand five hundred (1,500) pounds or less which is not used in the occupation, profession or business of the named insured, other than farming: Provided, That the term "policy of automobile liability insurance" shall not include policies of automobile liability insurance (1) issued through the Kansas automobile assigned risk plan, (2) insuring more than four automobiles, nor (3) insuring the automobile hazard of garages, automobile sales agencies, repair shops, service stations or public parking places. The auto insurance policy excluded coverage when the insured vehicle was being used as a public conveyance. To an auto that is being used as a public or livery conveyance Because of and confined to wear and tear, freezing, mechanical or electrical breakdown, or road damage to tires (does not apply when the damage results from the total theft of the auto. (a) A motor vehicle of the private passenger or station wagon type that is not used as a public or livery conveyance for passengers, nor rented to others As used in this act: "Policy of automobile liability insurance" means a policy insuring against the liability of the insured for the death, disability or damages of another and against loss or damage to the property of another, arising from the use of an automobile that is issued to cover the following types of automobiles owned by an individual or by husband and wife, including automobiles hired under a long term contract and written on a specified car basis: Cancellation of automobile liability insurance definitions.
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