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