TRESPASS AND INSURANCE 1153 



there is any ambiguity or doubt as to the coverage, the assured should 

 make certain that the pohcy is properly endorsed to correct this ambiguity. 



Under the definition of Property Damage Liability, "property in the 

 care, custody or control of the assured" is not covered. Unless this 

 exclusion is modified by endorsement, the coverage does not protect the 

 assured against a claim by the client for any damage to client's property 

 caused by the field operations of the Geophysicist. 



Some Property Damage Policies do not exclude blasting or explosion, 

 but rather there may be a specific exclusion attached to the classification 

 "Geophysical Exploration — seismic method." It is essential, therefore, 

 that the geophysical operator check to determine if there is a blasting or 

 explosion exclusion in either the policy or the classification wording. An 

 additional charge is made in the rate to include blasting or explosion. 



Automobile Insurance. - — 1. Automobile Public Liability covers 

 bodily injury to or the death of others caused by or resulting from the 

 ownership, operation or use of automobiles in the business of the operator, 

 including automobiles owned by or operated for the operator. 



2. Property Damage Liability covers damage to or destruction of 

 property of others (including loss of use thereof) caused by or resulting 

 from the ownership, operation or use of automobiles in the business of the 

 operator, including automobiles owned by or operated for the operator. 



(Policies that include coverage for : — 



Motor Vehicles owned by the geophysical operator, 

 Motor Vehicles hired by the operator, 



Motor Vehicles owned by employees or others and operated in the busi- 

 ness of the geophysical operator 



will give the geophysical operator complete protection for the Automobile 

 exposure.) 



The type of automobile (its net weight if a truck or tractor), its use and 

 location determine the premium for the coverages. Many states have 

 stringent "Financial Responsibility Laws" which make it imperative for 

 the owner to carry certain forms of coverage and limits of liability. It is 

 advisable that the limits of liability should be sufficiently large to take care 

 of serious claims. Usually, a $25,000/50,000 Bodily Injury and a $5,000 

 Property Damage Policy is deemed the minimum limit for adequate pro- 

 tection. Policies in much larger amounts are frequently carried by the more 

 prudent operators. 



Patent Rights 



A patent is a grant by the government to an inventor or his assignee, 

 giving the right for a period of seventeen years from the date of the patent 

 to exclude others from manufacturing, using or selling embodiments of a 

 patented apparatus or product, or from practicing a method, process, or art. 



