Ch 19 Insurance

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