Chapter 7 -Personal Auto Policy

Under a Personal Auto policy, Part A would provide coverage to all of the following people as insureds, except:

A A neighbor borrowing the auto to deliver food to a relative B A nonresident relative using the named insured's auto with permission C The named insured's unlicensed child D(correct) A mechanic servicing the auto

Liability coverage under Part A of a Personal Auto policy would be excluded for all of the following, except:

A (correct) A vehicle driven by an unlicensed driver B Use of a non-owned vehicle without permission C Intentional damage caused by the insured D Damage caused by a snowmobile

Under a Personal Auto policy, medical payments coverage is provided for which of the following?

A passenger while occupying a covered auto

Under the Personal Auto policy, a family member is defined as which of the following?

A person who is a resident of a household and related by blood, marriage, or adoption

Which private passenger auto is not eligible for coverage under a Personal Auto policy?

A van used to deliver shipments from a warehouse

The definition of an uninsured motor vehicle under a standard Personal Auto policy does not include:

A vehicle newly acquired by the named insured that has not been reported to the insurer

Bodily injury sustained by an insured would be covered under Part B - Medical Payments Coverage of an unendorsed Personal Auto policy if the insured is occupying which vehicle?

A vehicle used for car pools

An insured has a Personal Auto policy. While their covered auto is being serviced, they use a non-owned auto as a temporary substitute. Which of the following is true if the insured is liable for bodily injury after an accident while using the temporary substitute?

Coverage is provided on an excess basis

The named insured's spouse will not be considered an insured on the named insured's Personal Auto policy if:

It has been 90 days since the spouse moved to a different residence away from the named insured

If an insured has comprehensive physical damage coverage provided by their Personal Auto policy, the insurer would deny which of the following physical damage claims?

Loss to the covered auto's tires caused by road damage

Which of the following is not a supplementary payment provided by the liability coverage of a Personal Auto policy?

Medical payments for an occupant of an insured vehicle

The policy territory of an unendorsed Personal Auto policy includes all of the following, except:

Mexico

When the Extended Non-owned Coverage for Named Individual Endorsement is added to a Personal Auto policy, it amends the policy to provide coverage:

On an excess basis for the named individual's use of an auto furnished to them for regular use

A bird hits and breaks the windshield of an insured vehicle. This is covered under which of the following coverages of a Personal Auto policy?

Other than collision coverage

Which type of standard policy includes coverage options that would not exclude damage by flood?

Personal Auto policies

T has a Personal Auto policy with the Towing and Labor Costs Coverage Endorsement. The endorsement will:

Provide payment for labor that is performed only at the site of disablement

The limit of liability of Part D - Coverage for Damage to Your Auto under a Personal Auto policy states that the limit is:

The lesser of the actual cash value of the vehicle or the amount necessary to repair or replace the vehicle with another of like kind and quality

Under Part A of a Personal Auto policy, which of the following is correct about supplementary payments?

They are paid in addition to the policy's liability limits

Which of the following is not eligible for coverage under a Personal Auto policy?

A (correct) A private passenger auto used as a taxicab B A trailer being used as a farm wagon C A van that is used to haul gardening supplies for personal use D A 9-passenger station wagon

Which of the following is a covered auto under a Personal Auto policy's liability coverage?

A An airport shuttle van which charges a fee to passengers B A vehicle owned by the insured's employer C (correct) A new vehicle purchased 7 days ago to replace an old vehicle, but not yet reported to the insurer D The insured's ATV

Under a Personal Auto policy, all of the following are correct about medical payments coverage, except:

A Insured passengers must be occupying Your Covered Auto in order to be covered B (correct) The policy limit is applied on a per occurrence basis, not per person C Payments under Part B will not be duplicated if other parts of the policy also provide coverage D The named insured and family members are covered if injured as pedestrians

In the event of an accident, all of the following people may receive medical payments under a Personal Auto policy, except:

A The named insured, who is occupying a rental car B The named insured's foster child, who is struck by an auto while on a crosswalk C A family friend, who is a passenger in a covered auto D (correct) The named insured, who is struck as a pedestrian by an ATV

The Extended Non-Owned Coverage Endorsement available to Personal Auto policies should be added by an insured who is:

Being furnished a company car