Auto Insurance

Which of the following is a unique coverage under the Trucker's Policy?

trailer interchange coverage

Betsy must miss work to testify at trial concerning an auto accident that she caused. What amount, if any, will the personal auto policy pay for Betsy's lost wages?

up to $200 per day

If Jim has $100,000 liability coverage under his personal auto policy, how much would the insurer have to pay if the courts awarded a claimant $125,000, the costs of defense was $3,000, and Jim had to take two days off from his job, which cost him $200?

103,200

The personal auto policy's medical payments coverage would NOT provide protection for which of the following?

Occupants of the car that was struck by the insured correct!

Under an automobile policy with "uninsured motorists" coverage, a disagreement between an insurance company and an insured on the amount of a loss can be settled by

arbitration

Medical Payment limits under the Personal Auto Policy

are written on a per person basis

Under a personal auto policy, what statement about a newly acquired additional vehicle is false?

automatic liability coverage is provided to the end of the policy term

What is NOT covered by the liability section of an auto policy?

bodily injury of a covered spouse

Uninsured motorist coverage is NOT provided for bodily injury sustained by a covered person if

bodily injury results while a covered person is occupying a covered auto carrying property for a fee.

Liability coverage for mobile equipment while in transit on the road is available on which policy form?

business auto policy

What loss would NOT be covered under a policy providing automobile comprehensive physical damage?

car runs over a log causing a blown tire

What individual would have liability coverage under his or her own personal auto policy while driving a non-owned auto? company executive who borrows a neighbor's auto to go to the office

company executive who borrows a neighbor's auto to go to the office

Which of the following would NOT generally be included in the supplementary payments portion of the auto policy?

damage to property owned by the insured

Tom's auto policy has BI limits of 50/100 and matching UM/UIM limits. He is injured in an accident with Bill who has BI limits of 50/100. The injuries total $80,000. Tom's auto policy will

deny coverage under the UIM portion of the policu

What statement regarding the personal auto policy is NOT true?

liability coverage excludes non-owned autos

What statement is FALSE concerning business auto coverage?

medical payment coverage is automatically applied

Coverage for employee use of their own auto in the employer's business is provided by which of the covered business auto symbols?

non-owned autos

Patrick is driving too fast on an icy highway when he loses control of his car and collides head-on with Ed. Ed's car is totaled and he suffers a broken spine and pelvis which causes him to miss two months of work. Ed also claims damages for pain and suffering arising out of his injuries. Which of Ed's losses would be considered general damages?

pain and suffering

Which of the following losses would be paid under Part D, physical damage, of the personal auto policy?

permanently installed CD player was damaged when thieves attempted to remove it from the car