Personal Auto

What is the difference between the Per Accident limit in a split limits policy and a single limit in a split limits policy and a single limit (or combined single limit) policy

the per accident limit in a split limits policy applies to bodily injury and property damage, while in a single limit policy the per accident limit applies to the entire claim.

All of the following vehicles are eligible for coverage under a personal auto policy(PAP), EXCEPT?

A private passenger auto owned by a partnership

If an insured with a personal auto policy has an accident in a state which requires personal injury protection (PIP) how does the policy respond?

Coverage automatically is broadened to provide PIP

All of the following expenses are covered in addition to the limits of liability under coverage A of a personal auto policy, EXCEPT:

Pre Judgement interest

The liability coverage afforded under an un-endorsed personal auto policy (PAP) would pay for?

The cost of repairing damaged to the neighbors fence caused by the insureds negligent operation of his car.

An insureds car is insured under a personal automobile policy(PAP). The coverage includes medical payments with a 2,000 limit. Which of the following is a true statement about the medical payments coverage for necessary medical expenses.

The insured and neighbor would each be entitled to up to 2,000(policy limit) for reasonable medical expenses resulting from an accident on the insured vehicle.

If an insured borrows a neighbors vehicle to run personal errand, how do the policies respond in the event of an auto accident?

The neighbors policy is primary and the drivers policy is excess

Under the liability portion of an unendorsed personal auto policy, what coverage is available if the named insured is operating a company car a regular basis?

The policy excludes this usage

If an insured with a California personal auto policy is carrying minimum limits of coverage and has an accident in a state that requires higher limits, then

The policy will automatically provide the higher requires limits at no extra charge.

An insured personal auto policy (PAP) has liability and collision coverage. His neighbors car has liability coverage only. The insured borrows his neighbors car to go to the store and another car. The insureds (PAP) will provide

liability coverage that is excess of his neighbor's liability coverage. His Collision Coverage also applies but on a primary basis since the neighbor did not have this coverage.

The personal auto policy(PAP) territorial limits include?

not:Mexico

A pickup or van with a gross vehicle weight of 9,500 lbs. may be eligible for a personal auto policy if it was used in the business of

Farming or Ranching