Ch 19 Insurance

Pataasin ang iyong marka sa homework at exams ngayon gamit ang Quizwiz!

The Physical Damage section of the auto policy's collision coverage pays on what basis?

ACV

The transportation expenses following a deer damaging the auto are covered under the Personal Auto Policy's:

Comprehensive (Other Than Collision) coverage

Which of the following is an Insured under a personal auto policy?

The Insured's 12 year-old living at home.

The definition of "covered auto" does NOT include:

a company car available for the Insured's regular use

Comprehensive covers hitting:

a deer

Which can be purchased alone?

comprehensive

An auto accident causing bodily injury and property damage results in:

liability

If you are hit by someone with inadequate insurance, you should have:

underinsured motorist

Molly's state requires 25/50/10 auto liability insurance. Molly is involved in an accident with an at-fault driver who only has 15/30/5 coverage. Molly is protected by her:

uninsured motorist

A single limit auto policy provides $200,000 coverage. The Insured causes an accident in which 4 persons suffer injuries totaling $250,000. The Insurer must pay:

$200,000

In a state requiring 25/50/5 auto liability coverage, the required coverage for BI per person is:

$25,000

Sam has underinsured motorist coverage with limits of $100/$300. Sam is injured by Quincy who has limits of $50/$100. Sam's injuries are valued at $125,000. Sam's underinsured motorist coverage will pay:

$50,000

A new car you buy is automatically insured for:

14 days

"Other than collision" covers:

A car is damaged in a flood.

Which is covered as a Temporary Substitute while the covered auto is out of service due to breakdown?

A neighbor's van borrowed to drive to work.

The definition of "owned auto" under a Personal Auto Policy includes each of these EXCEPT:

An all-terrain vehicle with 3 wheels.

Which is a covered nonowned auto?

An auto operated by the Insured but owned by another member of the family.

Persons covered under a personal auto policy are identified in which policy section?

Definitions

After an auto accident, the auto policy requires the Insured to notify the:

Insurer

Which section of the personal auto policy covers the costs of expert witnesses?

Insuring Agreements

Damage to another person's auto caused by an intoxicated Insured driving a vacation rental car is covered by:

Nonowned Auto Coverage

The only thing you can hit and be covered by comprehensive is?

a bird or animal

Under an auto policy, each of the following driving the vehicle with consent of the Insured has liability coverage EXCEPT:

a mechanic test driving the car

The insured is also covered when driving:

a rental car

Uninsured motorist covers:

bodily injury

Uninsured Motorist covers:

both A and B the Insured as a pedestrian when struck by an Uninsured Motor Vehicle, a friend of the Insured while a passenger in a covered auto

Hitting a parked car is covered by:

collision

The primary exclusion from comprehensive is:

collision

While Jo was passing a cement truck, small rocks fell from the truck onto Jo's auto. With reference to Jo's auto policy, this is:

covered by comprehensive.

Auto medical payments:

covers the Insured and passengers in the insured vehicle for both medical and funeral expenses

The comprehensive section of an auto policy covers which of the following?

earthquake damage

A comprehensive auto policy covers:

earthquake damage to the vehicle

The Personal Auto Policy covers "Transportation Expenses" for $20 per day up to a total of $600. The purpose of the "Transportation Expense" coverage is to help the Insured pay the cost of a rental replacement vehicle:

following a covered Collision or Other Than Collision loss to the insured vehicle.

An Insured's personal policy provides a number of coverages. A passenger in the Insured's car suffered $17,000 bodily injury when the vehicle swerved off the road and hit a building. The passenger's bodily injuries are covered by:

liability

Which section of an auto policy covers a pedestrian injured by the insured owner of the auto?

liability

Which section of the Insured's personal auto policy covers the Insured as a pedestrian when struck by a vehicle?

medical payments

An auto policy CANNOT be canceled if the Insured:

obtains another auto policy on the same vehicle from another insurer

Auto med pay:

pays medical and funeral expenses for the Insured and any passengers in the Insured's auto

Under an auto policy, medical payments limits are:

per person.

You insure damage to your car through:

physical damage

If you cause an accident while using a friend's car, the car's insurance pays:

primary

Which provides the best coverage?

single limit policies

A vehicle you drive while yours is out of service due to repairs is called an?

temporary substitute

Auto med pay covers:

the Insured and passengers

Auto med pay covers:

the Insured as a pedestrian.

While Sam was intoxicated, he negligently drove his vehicle through the wall of a tavern. The tavern had to close for 3 weeks to make repairs. Sam and his auto liability insurer are responsible for:

the damage to the tavern, the lost revenue during the period of repair, and injury to the patrons

Under an auto policy's "other insurance clause," coverage for a nonowned auto is provided by which method?

the other policy pays primary.

If an accident occurs when an Insured is driving a vehicle owned and insured by another, which is generally correct?

the vehicle's policy pays primary

Bodily injury caused by a hit-and-run driver is covered by:

uninsured motorist

If you are hit by someone with no insurance, you should have:

uninsured motorist

A personal auto policy covers

unlicensed intoxicated drivers


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