Chapter 6- Personal Auto Policy
Which of the following vehicles is not considered an uninsured vehicle under Part C of PAP
A vehicle owned by the government
Uninsured Motorist Coverage under a Personal Auto Policy Covers which of the following vehicles?
A vehicle owned by the named insured
All of the following are considered uninsured motor vehicles, except:
A vehicle that is being used as a residence
The personal auto policy would not provide coverage for which of the following?
A vehicle with fewer than four wheels
Which of the following would not be covered under a Personal Auto Policy?
a motorcycle
Which of the following is covered under a personal auto policy
a vehicle driven with permission by an unlicensed driver
Which of the following is not considered an uninsured motorist vehicle under the personal auto policy
a vehicle newly acquired by the named insured that has not been reported to the insurer
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 t the insurer
Under the PAP, a temporary substitute would be covered if used:
While an insursed auto needs servicing
Which of the following will be paid by Supplementary payments under Part A of the Personal Auto Policy?
$100 for bail bonds
S carries a Personal Auto Policy with Liability limits of 50/100/25. What is the maximum the policy will pay if S struck another vehicle causing injury to the occupants as follows: Driver - $70,000; Passenger 1-$30,000; Passenger 2-$50,000 and property damage to the other vehicle - $20,000?
$120,000
An inaured has auto insurance with both company A and company B; How much will company B have to pay for a covered loss of $3,000 if company A's limit of liability is $100,000 and company B is $200,000?
$2,000 (2/3)
Supplementary payments under Part A of the Personal Auto Policy will pay which of the following?
$250 for bail bonds
Policyholder B has a BAP with limits of 100/30/50. In an accident for which B was liable, there were BI claims in the amount of $80,000; $100,000; $125,000 and PD claims of $20,000 and $35,000. How much will his policy pay?
$280,000 BI and $50,000 PD
Under a policy with limits of 25/50/100, what would the insureers liability arising out of a single accident where claimant A has injuries in the amount of $25,000; Claimant B $20,500 and Claimant C $4,000
$49,500
Transportation expenses resulting from a collision or OTC loss will be paid up to what amount under Part D of the PAP
$600
The limited Mexico coverge provides coverage for how many miles into Mexico?
25 miles
Transportation Expenses Coverage under Part D of the personal Auto Policy begins how long after the covered auto has been stolen?
48 hours
Under the Personal Auto Policy, Medical Payments coverage is provided for which of the following?
A Passenger while occupying the covered auto
All of the following are excluded under Part A of the personal Auto Policy, except:
A Vehicle driven by an unlicensed driver
A personal Auto Policy is designed to cover:
An individuals or family's personal use of an auto
Under Part D-Coverage for Damage to Your Auto of the Personal Auto Policy, vehicle upset would be covered under:
Collision
Physcial damage to the insured auto that is not covered under collison, and is not otherwise excluded, would be covered under:
Comprehensive
Which of the following is not true about medical payments under the Personal Auto Policy
Coverage applies only for medical expenses incurred within one year of the accident
Which statement is false regarding uninsured motorist coverage under a personal auto policy?
Coverage includes injuries suffered by someone using a covered vehicle without permission
Which of the following is false under the personal auto policy
Coverage is provided for theft under property damage liabilty
Which of the following is correct regarding other insurance under part A or the Personal Auto Policy?
If there is other liability coverage applicable to the insured auto, the policy will pay the proportion that the limit of liability bears to the total of all limits
Which of the following damages would be covered under the liability coverage of the personal auto policy
Damage casued to a rented garage by the insured auto
Collision Coverage under Part D of the Personal Auto Policy would cover which of the following?
Damage to the insured auto's bumper sustained when the auto crashed into a tree
Which of the following vehicle uses is not excluded under Personal Auto Medical Payment?
Farm USe
Which of the following is not true about a claim payment for a Part D Under Personal Auto?
IF the insurer returns a stolen property to the insured, no payment for damages incurred will be made
Which of the following statements is not true about a claim payment for a collision loss under the PAP?
If the insurer recovers and returns the stolen property to the insured, no further payment is due
All of the following are correct regarding the Part A limit of liability under the Personal Auto Policy, except:
If the loss is covered under more than one Part of the Policy, payment will be duplicated
Which of the following is covered under Part A of the personal Auto Policy?
Injury to an employee while away form work
All of the following are true about a newly acquired additional vehicle, except:
It can be used to transport goods to hire if receipts are less than $10,000
The legal action Against Us Under Part F- General Provisions of the Personal Auto Policy, States which of the following?
Legal action may not be brought again the insurer until the insured has complied with all terms of the policy
Under Part F of the Personal Auto Policy, the legal Action Against Us provision states that:
Legal action may not be brought against the insurer until the insured has complied with all the terms of the polciy
Which of the following Part D claims would be denied under Personal Auto Policy?
Loss to the covered auto caused by road damage to tires
Coverage for recreational vehicles can be added to the Personal Auto Policy by the:
Miscellaneous Type Vehicle Endorsement
A bird hits and breaks a windshield of an insured vehicle. This is covered under which of the following coverages of the PAP?
Other than collision
Which type of standard policy coverage options that would not exclude the damage by flood?
Personal Auto
Which of the following is not an eligble vehicle for coverage under the personal auto policy?
Pickup with gross vehicle weight of $12,000 lbs
Part E of the personal Auto liability states that after a loss the insured must:
Protect the auto from further damage
A temporary substitute vehicle is not covered auto if used to substitute for which of the following?
Rental car
Which of the following vehicles is covered under part B- Medical payments of the personal Auto policy?
Share the expense vehicle
Under PAP, which of the following is not considered occupying an automobile?
Standing by the car exchanging insurance information
Which of the following is included in the Personal Auto Policy Coverage territory?
The U.S., its territories, Canada, and Puerto Rico
Whos policy will be primary for bodily injury coverage for the injured party if a neighbor borrows an insured's car and injuries a pedestrian?
The insured's auto policy
Whose policy will be primary for bodily injury coverage for the injured party if a neighbor borrows an insureds car and injuries a pedestrian?
The insured's auto policy
Choose the true statement regarding out of state coverage in the personal auto policy.
The limit of liability will be the same as the coverage provided in the home state or the minimum liability requirements in the state where the covered auto is being used, whichever is greater
Which statement is false regarding the Personal Auto Policy?
Theft is covered under property damage liabilty
Automobile collision insurance under the Personal Auto Policy provides Payment for losses:
To your car, regardless of liability
Which of the following coverges under the personal Auto Policy protects the insured against drivers who do not have adequate auto liability insurance limits?
Underinsured Motorist Coverage
The extended Non-Owned Coverage endorsement to the Personal Auto Policy should be added by an insured who is:
being furnished a company car
Under a personal auto policy, which of the following is true of liability for bodily injury resulting from the insureds use of a non owned auto
converge is provide on an excess basis
Choose the false statement about a newly acquired vehicle under the PAP:
it may be used to transport goods for hire if receipts are less than $10,000
The legal Action Against Us under Part F- General Provisions of the Personal Auto Policy, States which of the following?
legal action may not be brought against the insured has complied with all the terms of the policy
Which of the following vehicles is covered by Liability coverage under the Personal Auto Policy?
non- owned golf cart