What does SCOL mean in insurance?
Specified Causes of Loss Coverage — an auto physical damage coverage that is an alternative to comprehensive coverage. The coverage applies only for losses caused by the perils listed, as compared to the "all risks" nature of comprehensive coverage.
What is specified coverage?
Specified Perils\n\n Protect your vehicle against risks from weather, theft, fire and more. Specified Perils coverage is similar to Comprehensive coverage, but has a shorter list of damages it covers. It also costs less than Comprehensive.
What are the causes of loss?
Causes of Loss — the perils that can bring about or trigger loss or damage. Can be direct (the action immediately precedes the loss) or indirect (part of an uninterrupted chain of events leading to the loss).
Which cause of loss form provides the most coverage?
The most expansive form of insurance coverage is Special Form. In policies that use the special form type of coverage, instead of the perils covered being listed, the EXCLUSIONS are listed. In other words, unless the policy states a peril isn't included, it's included and your potential loss is covered.
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