Chapter 6

The definition of an uninsured motor vehicle under the Personal Auto Policy includes all of the following, except:

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

Under the PAP, a temporary substitute would be covered if used:

While an insured auto needs servicing

Which vehicle would not be covered under an unendorsed Personal Auto Policy?

A motorcycle

The Personal Auto Policy's definition of family member includes:

A person related to the named insured who is a resident of a household (including a foster child)

Under the Personal Auto Policy, medical payments do not apply to passengers occupying which of the following?

A van used in the insured's business in the course of employment

All of the following are excluded under Part A of the Personal Auto Policy, except:

A vehicle driven by an unlicensed driver

Which of the following is not a valid reason to cancel a personal auto policy after the first 60 days of coverage?

Claims history

Under Part D - Coverage for Damage to Your Auto of the Personal Auto Policy, vehicle upset would be covered under:

Collision

Which of these statements is not true about Uninsured Motorist coverage?

Coverage is automatically provided for the damage to the insured vehicle

Which of the following is false under the Personal Auto Policy?

Coverage is provided for theft under property damage liability

Which of the following damages would be covered under the Liability Coverage of the Personal Auto policy?

Damage caused to a rented garage by the insured auto

Under Part A of the Personal Auto policy, which of the following would be covered?

Damage to a parked car

Which of the following claims would be covered by Collision Coverage under Part D of the Personal Auto Policy?

Damage to the insured auto's bumper when the auto crashed into a tree

Choose the false statement about a newly acquired additional vehicle under the PAP:

It may be used to transport goods for hire if receipts are less than $10,000

Which of the following best describes the Towing and Labor Costs endorsement to the Personal Auto Policy?

It provides payment for towing to a garage, or for labor that is performed at the site of a mechanical disablement

Under which of the following scenarios will Policyholder J's injuries be covered by her unendorsed Personal Auto Policy under Medical Payments Coverage?

J was driving her own car from the Post Office after retrieving her employer's mail

Which of the following is not a Supplementary Payment under Part A of the Personal Auto Policy?

Medical payments for an occupant of an insured vehicle

Which of the following vehicles is covered by Liability coverage under the Personal Auto Policy?

Non-owned golf cart

If a bird hits a windshield and breaks it, which Personal Auto Policy coverage would pay the loss?

Other Than Collision coverage

Which of the following is an insured's duty in the event of loss under the PAP?

Promptly notify the police in the event of a hit-and-run accident

Which of the following vehicles is covered under Part B - Medical Payments of the personal auto policy?

Share-the-expense vehicle

Whose policy will be primary for bodily injury coverage for the injured party if a neighbor borrows an insured's car and injures a pedestrian?

The insured's auto policy

Which of the following claims would be insured under Uninsured Motorists Coverage?

The insured's resident son suffered severe injuries after being rear-ended by an uninsured driver

Policyholder G wants her PAP to insure her sedan, primarily used for sales calls, her husband's SUV for car-pooling, the station wagon that their daughter uses to drive to school, and the van their son uses part-time to deliver dry-cleaning. Which of the following cars will G's agent tell her is not eligible?

The van

Which coverage protects the insured against drivers who do not have auto liability insurance limits adequate to cover a loss?

Underinsured Motorist Coverage

Which of the following coverages under the Personal Auto Policy protects the insured against drivers who do not have adequate auto liability insurance limits?

Underinsured Motorist Coverage