Question Package

Bert, the Named Insured (NI), has Liability Coverage with limits of 100/300/25. He ran a red light, struck two vehicles, causing property damage to both vehicles and bodily injury to the claimant driver. What are the limits under the policy that will apply to the property damage and bodily injury damage to the claimant driver?

$25,000 for PD and $100,000 for BI

George is the named insured. He resides with his spouse, Karen. George and Karen have a son, Troy, who resides with them. Troy is 28 years old. Troy's wife, Suzy, and their foster daughter, Tina, also live in George's household. Who of the following is NOT considered a resident relative as defined?

All of these parties are considered resident relatives

Sandra insures her Dodge for D500 and G500. Sandra was involved in a collision. Her car sustained damage and is not drivable. The police had the vehicle towed to the impound lot, which was adjacent to a repair facility. Sandra then had her car towed from the impound lot within reasonable distance to where she wanted the repairs done. State Farm is paying for the body damage to her car under Collision Coverage. Which towing bill(s) are payable under Collision Coverage?

Both the initial tow and the second tow.

The insured, Mary, lives down a gravel road. Over the past year, rocks and gravel from the road have caused damage to the paint of her Buick. Is this damage covered as part of her policy with State Farm?

In order for damage to the vehicle to be covered the damage must meet the definition of a loss: direct, sudden and accidental damage to or total or partial theft of a covered vehicle. Paint and fender damage caused over time is normal wear and tear. Back to Events

Tina insures her Honda for Liability Coverage with State Farm. While returning from the gym, she lost control and struck the rear bumper of her neighbor's Toyota parked at the curb, and then struck her neighbor's front fence. What would be considered Property Damage under Coverage A?

Neighbor's Toyota and Fence only

The insured, George, parked his described vehicle in the garage. A can of paint fell on the hood, damaging it. Is this considered a loss caused by Collision as defined by his State Farm 9800A policy?

No, this is not a loss caused by collision as it was damage caused by a falling object which would be considered Comprehensive.

The definition of loss can have jurisdictional differences. Using 9800A as the applicable policy, a loss includes a reduction in the value of any covered vehicle after it has been repaired, as compared to its value before it was damaged. Is this a true statement?

Per the 9800A policy, loss does not include any reduction in the value of any covered vehicle after it has be repaired, as compared to its value before it was damaged. Back to Events

Michael Cummings and Paul Proctor are shown on the Declarations Page of their 9800A State Farm Car Policy, in that order. Michael lives with his wife, Amanda. Paul lives with his wife, Sue. Which of these parties does not meet the definition of You or Your as defined in the policy?

Sue Proctor

Marcy insures her Toyota Prius with State Farm. The Prius was involved in an accident and was towed to a body shop since it wasn't drivable. Marcy rented a Nissan Altima from Mike's Car Rental, Inc. to use while the Prius was under repair. If Marcy was in an accident in the Nissan Altima, how would it qualify under her Toyota policy?

Temporary substitute car

State Farm insures a Buick for A 25/50/15 and H. The insured, Marcy, drove over a rock that was in the road. The rock hit the oil pan on the Buick. Immediately, the check engine light came on. She pulled to the side of the road and called for roadside assistance, who determined the vehicle was not drivable. Although it was not the nearest facility that could perform the necessary repairs, Marcy had the car towed to a repair facility next to her home, where the oil pan was replaced. Which expenses are covered under Emergency Road Service?

Towing to the nearest repair facility

Which of the following could meet the definition of car as defined in the policy?

Toyota Tundra pickup truck