NH Property and Casualty Insurance Exam Auto Insurance

Part C - Uninsured and Underinsured Motorist (Who is an Insured) Insured is defined under Part C - Uninsured/Underinsured Motorist as: (3)

The named insured and family members. Any other person while occupying a covered vehicle. Any person entitled to recover damages because of injuries to one of the above.

The terms "you" and "your" used throughout the personal auto policy refer to -

The named insured shown in the Declarations The spouse of the named insured, if a resident of the same household during the policy period prior to the inception of the policy

Part C - Uninsured and Underinsured Motorist (Underinsured Motorist) UIM coverage will pay the difference between the insured's UIM limits and the __________________.

at-fault driver's bodily injury limits.

Commercial Auto - General Form Structure (Section 5 - Definitions) Mobile equipment does NOT include self-propelled vehicles used in snow removal, road construction, street cleaning, or cherry pickers mounted on autos or vehicles subject to compulsory financial responsibility laws. Those will be considered ____________.

autos.

Definitions - Bodily injury

bodily harm, sickness or disease, including death that results from the injury

Part D - Coverage for Damage to Your Auto (Transportation Expenses) The policy will usually pay up to _____ per day up to a maximum of $600 (may vary by state) for transportation incurred by the insured due to a covered loss.

$20

Selected Endorsements (Towing and Labor Costs) The towing and labor costs endorsement provides a basic limit of _____ for towing and labor costs incurred at the place a vehicle is disabled. Higher limits are available for an additional premium. Coverage applies to a covered auto or a nonowned auto, but only applies to costs incurred at the place of disablement.

$25

Part A - Liability (Supplementary Payments) Under the supplementary payments provision, the insurer promises to pay certain other costs on behalf of an insured: Bail bonds required of the insured because of a covered loss are covered up to ________. Premiums on appeal bonds and bonds to release attachments in suits covered under the policy are covered ________. ________ on a judgment is covered after the judgment has been entered. Other reasonable expenses incurred at the request of the insurer are covered, including up to ________ per day for loss of earning for assisting in legal proceedings.

$250; in full; Interest; $200

Collision Coverage and/or Other Than Collision Coverage If no indication of new ownership is made and the insured incurs a loss within the first 4 days of ownership, coverage may still be requested (within the first 4 days), and a _______ deductible will apply.

$500

Part F - General Provisions (Termination) In most states*, the insurer is required to provide _______ if for nonpayment of premium or if the policy is canceled within the first _______ of initial coverage, and _______ notice for all other reasons.

10 days' notice; 60 days; 20 days'

Part D - Coverage for Damage to Your Auto (Transportation Expenses) Expense payments begin after a _________ waiting period for reasons other than theft. In the event of theft of a covered vehicle, expenses are covered beginning _________ after the theft.

24-hour; 48 hours

Part B - Medical Payments (Insuring Agreement) Medical payments coverage pays reasonable expenses associated with necessary medical and funeral expenses caused by an accident and sustained by an insured. Expenses and services must be rendered within _________ of the accident.

3 years (36 months)

Commercial Auto - General Form Structure (Section 5 - Definitions) Insured contract - coverage for contracts is not included unless the contract falls within the following 6 parameters - Any insured contract does NOT include agreements for demolition near railroads, autos rented with a driver or certain agreements made by carriers for hire.

A lease of premises A sidetrack agreement (made with a railroad when track is used by an insured) Easement or license agreement (except within 50 feet of a railroad) Indemnification of a municipality unless work is being done for municipality Part of a contract (to include work for municipality) in which the tort (would be imposed in the absence of a contract) liability of another is assumed Rental agreements for "autos" but not for the damage to the auto.

Definitions - A newly auto is any of the following types of vehicles that are acquired by the insured during the policy period:

A private passenger auto A pickup or van, for which no other insurance policy provides coverage, that: -Has a gross vehicle weight of less than 10,000 lbs -Is not used for the delivery or transportation of goods and materials unless such use is incidental to a business of installing, maintaining, or repairing furnishings or equipment -Is not used for farming or ranching

Business Auto Coverage Form (Section 2 - Liability Coverage) Coverage Extensions In addition, the liability section provides certain coverage extensions. The insurer will pay the following 6 supplementary payments in addition to the limit of insurance for bodily injury or property damage -

All expenses the insurer incurs Up to $2,000 for bail bonds The cost of bonds to release attachments Reasonable expenses incurred at the insurer's request, including up to $250 per day for time off work Costs taxed against the insured in any suit Accrued interest on any judgment

Definitions - Your covered auto includes

Any vehicle shown in the declarations A newly acquired auto Any trailer owned Any auto or trailer not owned by the insured but used as a temporary substitute for a vehicle described above which is out of normal use because of its breakdown, repair, servicing, loss or destruction

Part A - Liability (Limits of Liability) Split limit coverage uses 3 dollar amounts. In the event of an automobile accident, these numbers specify the maximum amount the policy will pay for:

Bodily injury for each person involved. - Maximum $25,000 Bodily injury for the entire accident (regardless of the total number of persons involved). - Maximum $50,000 Property damage - Maximum $25,000

Commercial Auto - General Form Structure (Section 5 - Definitions) Mobile equipment includes any of the following 4 types of land vehicles, including any attached machinery or equipment -

Bulldozers, farm machinery, forklifts and other vehicles principally used off public roads Vehicles that travel on crawler treads Vehicles that provide mobility to cranes, shovels, loaders or road construction equipment Vehicles that are not self-propelled that provide mobility to compressors, pumps, spraying or welding equipment, or to cherry pickers and similar devices used to raise and lower workers

Commercial Auto Coverage Forms __________________ covers most commercial auto exposures, except truckers, garages and motor carriers.

Business auto coverage form

Commercial Auto Coverage Forms The following 4 types of vehicles may be insured under the commercial auto coverage part -

Commercial vehicles, including trucks of all sizes and shapes, truck-tractor units, semi-trailers, and service and commercial trailers Public vehicles, such as cabs or delivery vehicles (transporting people) and rental cars Private passenger type vehicles, including station wagons, Jeeps, pickup trucks, panel vans, and utility trailers designed to be pulled by private passenger autos Other types of vehicles, such as ambulances, farm machinery designed for use on public roads (e.g., combines and tractors), antique autos, fire trucks and police cars, construction equipment used on public roads, and special or mobile equipment

Business Auto Coverage Form (Section 3 - Physical Damage Coverage) Coverage Physical damage coverages available to the insured include the following 5 items -

Comprehensive coverage Specified causes of loss coverage Collision coverage Towing coverage Glass breakage - Hitting a bird or animal - Falling objects or missiles

Garage Coverage Form The Garage Coverage Form contains the same basic coverage found in the Business Auto Coverage Form with unique coverages developed to meet these special needs. Types of risk that are eligible for coverage under the Garage Coverage Form include the following 7 items -

Franchised and nonfranchised auto dealers Truck, truck-tractor and commercial trailer dealers Motorcycle, recreational vehicle and mobile home dealers Automotive repair shops Service stations Car washes Storage garages and public parking facilities

Commercial Auto Coverage Forms ________________ is used for businesses that regularly have autos of others in their care, custody, or control. These types of businesses would include auto dealerships, auto repair and service garages, and businesses that park vehicles for others.

Garage coverage form

Three types of potential loss that a PAP must provide protection for -

Legal liability (for injuries and/or property damage to others) Injury to the insured or members of the insured's family Damage to or loss of the auto itself

Definitions - Other-than-collision (previously called comprehensive) includes losses caused by 9 perils -

Missiles or falling objects Fire Theft/larceny Explosion or earthquake Windstorm Hail, water, or flood V&MM Riot/civil commotion Contact with birds/animals Breakage of glass

Commercial Auto Coverage Forms ___________________ is an alternative to the truckers coverage form. It covers businesses that transport either owned or nonowned property.

Motor carrier coverage form

The PAP contains parts A-F. They are as follows -

Part A - Liability Coverage Part B - Medical Payments Coverage Part C - Uninsured Motorist Coverage Part D - Coverage for Damage to Your Auto Part E - Duties After an Accident or Loss Part F - General Provisions

Part D - Coverage for Damage to Your Auto (Other Provisions) The physical damage section of the PAP also includes 4 other provisions, which are:

Payment of Loss No Benefit to Bailee Other Sources of Recovery Appraisal

Part E - Duties After an Accident or Loss PCFSASNPA

Prompt notification of loss Cooperating with the insurer Forwarding any legal papers received Submitting to a physical exam or to examination under oath when requested Allowing the insurer access to medical records Submitting a proof of loss Notifying the police of a hit-and-run accident or if a vehicle is stolen Protecting the property from further loss Allowing the insurer to inspect and appraise the damaged property

Commercial Auto (General Form Structure) The business auto coverage form is divided into the following 5 sections - Each section is further broken down to describe the specific perils that are covered and excluded from coverages, and limits of insurance as they apply to different types of coverage.

Section 1 - Covered Auto Section 2 - Liability Coverage Section 3 - Physical Damage Coverage Section 4 - Business Auto Conditions Section 5 - Definitions

Garage Form Structure The Garage form is split into 6 sections (Pay special attention to Section 2 - Liability as it splits into two categories for Garage Operations) -

Section 1 - Covered Autos Section 2 - Liability Section 3 - Garagekeepers Liability Section 4 - Physical Damage Coverage Section 5 - Garage Conditions Section 6 - Definitions

Business Auto Coverage Form (Section 3 - Physical Damage Coverage) Limits of Insurance The physical damage limit of insurance is the lesser of -

The actual cash value of the covered auto at the time of the loss The cost of repairing or replacing the damaged or stolen property with other similar property

A spouse of a named insured could be referred to as "you" or "your" throughout the PAP, if he/she is a resident of the same household during the policy period prior to the inception of the policy, the spouse will only be considered under the definition of you and your until the earlier of -

The end of 90 days following the spouse's change of residency The effective date of another policy listing the spouse as a named insured The end of the policy period

Business Auto Coverage Form (Section 2 - Liability Coverage) Who is an insured? The following 3 entities are considered insured under Section 2 of the business auto coverage form -

The person or organization named in the Declarations for any covered auto Anyone else while using a covered auto with the insured's permission (4 exceptions) Anyone liable for an insured's conduct is also considered an insured, but only to the extent of his or her liability

Business Auto Coverage Form (Section 1 - Covered Autos) If liability coverage is provided, certain types of other vehicles are also covered for liability. These 3 other types of vehicles are -

Trailers with a load capacity of 2,000 lbs or less Mobile equipment while being carried or towed by a covered auto Temporary substitute vehicles used while a covered auto is out of service due to breakdown, repair, servicing, loss or destruction

Commercial Auto - General Form Structure (Section 5 - Definitions) Auto

a land motor vehicle, trailer or semitrailer designed for use on public roads, and any other land vehicle that is subject to compulsory financial responsibility laws where it is licensed or principally garaged. However, auto does NOT include mobile equipment.

Definitions - Family member

a person related by blood, marriage, or adoption who is a resident of the household. This includes ward or foster children.

Definitions - A trailer

a vehicle designed to be pulled by a private passenger auto, pickup or van, or farm wagons and implements while towed by any of the above vehicle types

Business Auto Coverage Form (Section 1 - Covered Autos) If symbols 1, 2, 3, 4, 5 or 6 are shown for any of the coverages, the policy will also apply to any ________________________. However, if symbol 7 is used, coverage for newly acquired vehicles applies if the insurer already covers all autos owned by the insured or if the newly acquired vehicle is replacing a previously owned auto that had that coverage. The insured must inform the insurer that coverage is requested within ________ of acquiring the vehicle.

additional autos of the same type that the insured acquires during the policy period; 30 days

Part F - General Provisions (Legal Action Against the Insurer) No one may bring any legal action against the insurer until ___________.

all policy provisions have been complied with.

Selected Endorsements (The Joint Ownership Coverage) The joint ownership coverage endorsement is used when individuals own a vehicle together (insurable interest), but do NOT meet the traditional definition of _____________________. Coverage applies to individuals, other than husband and wife, who reside in the same household and nonresident relatives. The vehicle owned must be listed in the endorsement, and will not extend to any vehicle owned by any party that is NOT _____________.

an insured in the personal auto policy; listed or included in the covered auto definition.

Part D - Coverage for Damage to Your Auto (Transportation Expenses) Transportation expenses ______ subject to deductible, and are limited to the period of time reasonably required to repair or replace the covered auto.

are NOT

Liability, medical payments and uninsured motorist coverage will be extended to a newly acquired auto for replacement vehicles as follows: The coverage will be the _________________ on the declarations and there is no stipulation that the insurer be notified; and If the vehicle is in addition to the listed vehicles, the policy will grant coverage, but only if the insurer is notified within _____ of the insured becoming the owner.

broadest offered on any existing vehicle; 14 days

Commercial Auto Coverage Forms The commercial auto coverage part can be written as a monoline policy or as part of a commercial package policy. The coverage is designed to protect the _______________ against liability and physical damage losses that result from owning or using autos.

business owner

Part D - Coverage for Damage to Your Auto (Transportation Expenses) Transportation expenses will be paid if the loss is caused by _______________, as long as the corresponding coverage is indicated in the Declarations. Coverage will apply to a covered auto and a nonowned auto.

collision or other-than-collision

Selected Endorsements (Amendment of Policy Provisions - New Hampshire) This mandatory endorsement modifies the policy to _____________.

conform with state law.

Business Auto Coverage Form (Section 1 - Covered Autos) It is important to note that the commercial auto policy foes not use the "your covered auto" definition like the personal auto policy. The __________ are a critical component of the form as they describe the vehicles that are granted coverage.

covered auto symbols

Business Auto Coverage Form (Section 1 - Covered Autos) Section 1 of the business auto coverage form describes the auto designation symbols that define the type of vehicles insured for specific coverages. The symbols are entered next to the appropriate coverage on the ____________.

declarations.

Commercial Auto - General Form Structure (Section 1 - Covered Autos) The covered auto section of a commercial auto policy (Section 1) explains the ______________ used in that coverage form and states whether things such as newly acquired vehicles and temporary vehicles are covered.

designation symbols

Part D - Coverage for Damage to Your Auto (Insuring Agreement) The insuring agreement states that the insurer will pay for _______________ loss to a covered or nonowned auto, including equipment, minus __________.

direct and accidental; any applicable deductible.

Definitions - Occupying

in, upon, getting in, on, out of, or off a vehicle

Part F - General Provisions (Policy Changes) The terms and conditions may not be changed or waived except by _________________.

endorsement to the policy issued by the insurance company.

Under Part A - Liability, the insured is defined as - The insured or any ______________ for the ownership, maintenance, or use of any auto or trailer. Any person using an insured's covered auto with _________. For an insured's covered auto, any person, or organization (this is only with respect to __________ for _____________ of a person for whom coverage is afforded under liability). For any auto or trailer other than the insured's covered auto, any other person, or organization, but only with respect to legal responsibility for acts or omissions of the insured or a family for whom coverage is afforded under liability. This provision applies if the person or organization _____________________ the auto or trailer.

family member; the insured's permission; legal responsibility; acts or omissions; does NOT own or hire

Business Auto Coverage Form (Section 3 - Physical Damage Coverage) The deductible provision states that the amount of ant loss will be reduced by the amount of the deductible shown in the declarations. Any comprehensive deductible shown will not apply to losses caused by __________ and _________.

fire; lightning

Part F - General Provisions (Fraud) The insurer will not provide coverage for any insured that has made a _________________ as it pertains to any loss or accident.

fraudulent statement or engaged in fraudulent conduct

Business Auto Coverage Form (Section 6 - Definitions) Definitions Products

goods or products made or sold by the insured in the garage business. It also includes the failure to provide warnings or instructions.

Part A - Liability (Out-of-State Coverage) Using out-of-state liability coverage, the insurer will interpret the policy for an accident as follows: If the state or province has a financial responsibility law specifying limits of liability higher than the limits shown in the Declarations, the insured's policy will provide the __________. If the state or province has a compulsory insurance requiring a nonresident to maintain insurance whenever the vehicle is used in that state, the insured's policy will provide __________________ amounts and types of coverage.

higher specified limits; at least the minimum

Part B - Medical Payments (Limits of Liability and Other Insurance) The other insurance clause also is shown in the medical payments section of the policy that is _______ to the provision found i the liability coverage section.

identical

Part A - Liability (Supplementary Payments) Amounts payable under the supplementary payments provision are payable ____________.

in addition to the liability limit.

Commercial Auto Coverage Forms Business auto physical damage coverage form provides physical damage protection only for the _________________.

insured's owned or hired business autos.

Most of the PAP parts contain the ________, ________, and _________ of liability sections.

insuring agreement; exclusions; limits

Part F - General Provisions (Policy Period and Territory) The policy territory is defined as the United States, _______________, _________, or __________.

its territories and possessions; Puerto Rico; Canada.

Commercial Auto - General Form Structure (Section 2 - Liability Coverage) Liability coverage, or third-party insurance, covers the insured's legal responsibilities in an accident or negligent act. Liability coverage pays for bodily injury or property damage to other, as well as for ____________________. Liability coverage is different for each commercial auto coverage form, but is included in ALL policies.

legal fees incurred by defending the insured in a suit brought against the insured.

Part A - Liability Coverage (Insuring Agreement) protects the insured against loss arising from ______________ when an automobile that the insured owns, operates, or maintains is involved in an accident.

legal liability

Part C - Uninsured and Underinsured Motorist (Insuring Agreement) Although some definitions may vary according to state law, uninsured motorist coverage generally defines 4 categories of uninsured motor vehicles, including any land motor vehicle or trailer for which, at the time of the accident: There is no ______________ for the vehicle. The bond or insurance is less than that required by the financial responsibility laws of the state in which _____________. The accident was a hit-and-run accident, and the driver _____________. The bonding company or insurance company denies coverage or is _____________.

liability bond or insurance; the accident occurred; cannot be identified; insolvent

Part A - Liability (Limits of Liability) Combined single coverage uses one dollar amount, indicating the ______________ - regardless of the number of people involved or the amount of property damaged.

maximum coverage for all losses (bodily injury and property damage)

Part F - General Provisions (Termination) If the policy has been in force for more than 60 days, the insurer can only cancel because of ____________, _____________, or if the policy was obtained through material misrepresentation.

nonpayment of premium; if an insured's driver's license has been suspended or revoked

Part A - Liability (Other Insurance) The other insurance clause states that if there is other insurance available to pay for a covered loss, the insurer will _____________. The insurer's share is the proportion that the limit of insurance bears to the total of all available limits. For nonowned vehicles, the insurance will be considered ___________________.

only pay its share of the loss; excess over any other collectible insurance.

Part A - Liability (Out-of-State Coverage) If a covered auto is involved in an auto accident that occurs in any state or Canadian province other than the one in which the auto is principally garaged, the ________ will apply.

out-of-state coverage

Garage Coverage Form (Section 6 - Definitions) Garage operations are defined as the ___________________. It also includes the ownership, maintenance or use of covered autos and all necessary or incidental operations.

ownership, maintenance or use of locations for garage business, including adjoining roads and other accesses.

Part B - Medical Payments (Limits of Liability and Other Insurance) The amount of coverage depends on the policy and applies on a __________ basis for bodily injury sustained in an accident covered by the policy, regardless of fault.

per-person

Part F - General Provisions [Insurer Right to Recover Payment (Subrogation)] Subrogation rights apply to all coverages except ______________ if the damage is caused by a person using the auto with a reasonable belief that they were entitled to do so.

physical damage coverage

Part D - Coverage for Damage to Your Auto Coverage for Damage to Your Auto, commonly called _________________, includes both collision and other-than-collision coverage (previously referred to as comprehensive). Only when a _________ is shown on the Declarations next to these coverages does coverage apply.

physical damage coverage; premium

Definitions - Property damage

physical injury, destruction or loss of use of tangible property

Commercial Auto - General Form Structure (Section 4 - Conditions) The conditions section of an auto policy helps define coverage in more detail. The conditions determine such things as ____________, ___________, and how coverage _________________.

policy period; coverage territory; will apply in certain situations.

Business Auto Coverage Form (Section 2 - Liability Coverage) In addition for paying for bodily injury and property damage to third parties caused by an accident resulting from the insured's ownership, maintenance or use of any covered auto, the liability section also covers __________.

pollution expenses.

Part D - Coverage for Damage to Your Auto (Insuring Agreement) The personal auto policy (PAP) defined nonowned autos as any _________________ which is operated by or in the custody of, but is not owned or furnished for the regular use of the named insured or a family member.

private passenger auto, pickup, van, or trailer

Part B - Medical Payments (Who is an Insured) Insured is defined under Part B - Medical Payments as: The named insured "you" or any family while occupying a motor vehicle designed for ___________, or any trailer The named insured or family member as a _________ if struck by a motor vehicle designed for public road use, or any trailer Any other person while occupying a covered auto

public road use; pedestrian

Part B - Medical Payments (Limits of Liability and Other Insurance) Part B pays up to the limit of coverage. Any payments that also are available under liability or uninsured motorists coverage will ______________ under this coverage.

reduce the amount payable

Coverage for a newly acquired auto will be provided with some notification requirements. The requirements will depend on the type of coverage for the new vehicle, and if the vehicle is a _______________________ or is __________________.

replacement of an existing vehicle listed on the Declarations; in addition to the listed vehicles.

Business Auto Coverage Form (Section 2 - Liability Coverage) Limits of Insurance Liability coverage concerns the limits of insurance. The limit of liability for bodily injury and property damage can be expressed either as a ____________ or as _________.

single limit; split limits

Business Auto Coverage Form (Section 6 - Definitions) Work performed by the insured includes work that _________________________.

someone performed on the insured's behalf, and the providing of or failure to provide warnings or instructions.

Selected Endorsements (Extended Nonowned Coverage for Named Individual) The extended nonowned coverage for named individual endorsement can broaden the liability only, or liability and medical payments coverage provided in the policy for individuals _________________.

specifically named on the endorsement.

Part A - Liability (Limits of Liability) Under a personal auto policy, the insured may choose between 2 types of liability limits: ______ and _______.

split; combined single.

Part C - Uninsured and Underinsured Motorist (Underinsured Motorist) Underinsured motorists (UIM) coverage helps an insured with bodily injury damage caused by another motorist when _________________.

that motorist has insufficient coverage.

Part C - Uninsured and Underinsured Motorist (Insuring Agreement) A vehicle that does not carry the required insurance is defined in this section of the PAP as an ____________.

uninsured vehicle.

Part D - Coverage for Damage to Your Auto (Limits of Liability) The limit of liability is the lesser of ____________ or _____________.

the actual cash value of the vehicle at the time of loss (which includes an adjustment for depreciation and physical condition); the amount necessary to repair or replace the vehicle

Business Auto Coverage Form (Section 2 - Liability Coverage) Coverage Extensions A second coverage extension provides out-of-state coverage when a vehicle is being driven in a state it is not licensed in. This extension provides increased liability protections to meet ________________. It does not apply to carriers of property or people. This extension will also provide minimum amounts of other coverage, such as no-fault, if required

the financial responsibility requirements of another state.

Part F - General Provisions (Two or More Auto Policies) If the insurer has issued 2 or more policies that will responds to the same loss, the insurer's liability will be ___________________ under one policy.

the highest applicable limit of insurance

Definitions - Collision Coverage and/or Other Than Collision Coverage for a newly acquired auto begins on the date ____________.

the insured becomes the owner.

Part A - Liability Coverage (Insuring Agreement) Under liability coverage, the policy will pay for the following: Bodily injury and property damage due to an accident for which ____________. ________________ as long as the policy covers a particular loss (these costs are paid in addition to the policy limits). Costs for settling or defending the insured as deemed appropriate (these costs end when _____________________).

the insured is legally responsible; Defense costs; the limits of insurance are exhausted.

Commercial Auto - General Form Structure (Section 3 - Physical Damage Coverage) Physical damage coverage explains coverage for damage done to ___________, including any covered autos.

the insured's property

Part F - General Provisions (Bankruptcy) Bankruptcy of the insured does not relieve __________ of its obligations under the policy.

the insurer

The personal auto policy (PAP) is an insurance policy for _____________. The policy combines physical damage insurance on the automobile, with liability insurance for claims from us of the auto.

the owners of private passenger vehicles.

Part C - Uninsured and Underinsured Motorist (Insuring Agreement) Uninsured motorist (UM) coverage provides the insured with money for bodily injuries that the insured would be legally entitled to recover from the owner or operator of a vehicle that does not carry ______________.

the required liability insurance coverage.

Definitions - Collision

the upset or impact of a covered vehicle or nonowned auto with another vehicle or object

Selected Endorsements (Extended Nonowned Coverage for Named Individual) Extended Nonowned Coveraged for Named Individual endorsement also provides coverage for nonowned autos that are available for the regular use of the insured, _____________________, or use of covered vehicles in other businesses (excluding automobile business).

the use of covered vehicles to carry persons or property for a fee

Business Auto Coverage Form (Section 2 - Liability Coverage) Limits of Insurance A single limit defines the _____________ the insurer will pay for all bodily injury and/or property damage, including any covered pollution expenses, resulting from a single accident.

total amount

Part F - General Provisions [Transfer of an Insured's Interest in the Policy (Assignment)] The insured cannot transfer his or her rights or interest in the policy without ________________. If the named insured dies, coverage will be provided for the surviving spouse or legal representative of the insured, but only until _____________.

written consent of the insurer; the end of the policy period.