Personal auto

In California a liability for bodily injury or death to all people is a commutative liability limit of

$30,000

The good driver discount will not apply to the motorcycle

A driver with 10 years of experience driving an automobile has never had a traffic violation or a DUI. He is now playing for separate motorcycle policy. He has obtained his motorcycle license two years ago. Which of the following is true

Other -than - collision

A meteor right hits the insured's car, causing damage. Under which of the following coverages in a personal auto policy with this last be paid?

The drivers policy would be primary

A passenger in a friends car is injured while getting into the car. Which of the following statements would apply if both the passenger and the driver had medical payments coverage under a personal auto policy?

Leaves his car in a parking garage in the car is involved in an accident

A personal auto policy would be considered excess an insured

Combined single

A single dollar limit of liability applying to the total of damages for bodily injury and property damage combined resulting from one accident or occurrence

Arbitrary exclusion from coverage due to age of driver and type of vehicle to be insured

And ensure has the right of cancellation,/non-renewal for an existing insurance policy for all the following except

$14,000

And insured has $5000 of medical coverage on a personal auto policy at the time of a covered accident. The insured and two passengers are injured medical treatment cost $7000 for the insured, $4000 for the first passenger and $8000 for the second passenger how much will the policy paid under medical payments coverage?

Per occurrence

And insured has a liability policy that sets the amount for all claims that arise from a single incident at $50,000. Which type of limit about ability to this insurance policy have?

$60

And insured has a personal auto policy with both comprehensive (other than collision) And collision coverage. His car is stolen and recovered five days later. If the insured claims transportation expenses of $20 per day, how much will his policy pay?

$50,000

And insured has an auto liability policy with limit of 25/50/15. The insured is involved in an accident caused by her negligence and is held legally liable for bodily injuries of three persons in the other auto as follows a"A"$15,000, "B" $30,000, and "C"35,000. How much will her and sure pay in total for all

$6000 would be paid under other than collision coverage

And insured hit a deer and crashes his car into a tree. The total damage to the vehicle is $6000. How will this loss be covered?

This loss is not covered

And insured is driving her auto and strikes a large pothole, causing a flat tire. Which coverage of the insurance personal auto policy will pay for the repair?

Combined single

And insured is driving her car through a residential area when she loses control and crashes into a neighbors front porch. The neighbor, who is sitting on the porch, is injured. The insured's liability policy has a limit of $500,000. This amount applies to the total damages for any bodily injury and property damage resulting from one accident. What type of limit of liability does the insured have?

Higher limits

And insured is involved in an accident in another state. The state has a financial responsibility law that specifies limits of liability higher than the limit shown in the decorations. What amount will be insurance policy page?

A 2 ton green truck with a6500 pound capacity

And insured owns and operates a ranch. The insured has several vehicles that are used in the ranching operation and for personal use. Which of the following cannot be insured under personal auto policy?

Collision

And insured was involved in an automobile accident for which the insured was at fault. Which of the following coverages would pay for damage to the insurance automobile?

Arbitrary exclusion from coverage due to age of driver and Type vehicle to be insured

And insurer has the right to cancellation/non-renewal of an existing insurance policy for all the following except

Vehicle being used for public livery

And uninsured motor vehicle includes all the following except

18 months

Any person who cleans that he or she meets the criteria based on a drivers license and driving experience acquired anywhere other than in the United States or Canada is presumed to be qualified to purchase a good driver discount policy if that person has been licensed to drive in the United States or Canada and meets the criteria for that. Friendliest the previous

18 months

Any person who cleans that he or she meets the criteria based on a drivers license and driving experience required anywhere other than in the United States or Canada is presumed to be qualified to purchase a good driver discount policy if that person has been licensed to drive in the United States or Canada and meets the criteria for that. For at least the previous

Accident insurance, because it pays medical expenses regardless of fault

Any personal auto policy, the medical payments coverage is similar to

Three years

Coverage for medical payments under a personal auto policy applies to expenses following a cupboard accident that are incurred and services rendered within what maximum time period?

Physical damage

If a person is using an auto with the believe that he is entitled to do so, subrogation rights under a personal auto policy would apply to all colleges except

Physical damage

If a person is using an auto with the believe that you're entitled to do so, subrogation rights under our auto policy would apply to all coverages except

14 days

If a person wants to include a newly acquired auto in a policy that is already established for another vehicle, the insurer must be notified within

$50,000

If the liability policy had split limit of 50/100/30, what is the maximum amount that would be payable in the event of injury to a single person?

$5000

In California the liability for damages to property is limited to

The named insured

In personal auto policy, the term "you" refers to

Uninsured motorist coverage

In the personal auto policy, owned trailers being towed by insured auto are automatically covered for

First limit

In the split limit coverage and personal auto policies which women indicates the maximum amount of the policy will pay for bodily injury per person?

Other than collision coverage

Rental reimbursement is only available for the policy includes which coverage?

Considered under insured

The at fault driver in and insured's auto crash had the state required minimum is for auto liability coverage, but not enough to pay for all the damage done to the insured. This driver is

Will not relieve the insurer of its policy obligations

The bankruptcy provision found in the personal auto policy states that bankruptcy of the insured

The insured is injured while exiting a friends mobile home

The medical payments coverage in a personal auto policy will pay reasonable medical expenses for all the following except

Electronic effective date procedure also known as EEDP

The procedure that allows you to buy producers to submit applications to the California automobile assigned risk plan and obtain immediate coverage is known as

20%

The rate charged for a good driver discount policy should be at least whatpercent below the rate and insured would otherwise have been charge for the same coverage?

Lost revenues from the restaurant

The restaurant is out of business for three days after an insured's automobile it's an electric pool. The pool falls and hits the building, knocking out all electrical power supply. Which of the following is not covered under the insurance drivers auto policy?

$20 per day, for a maximum of $600

Transportation expenses are covered under a personal auto policy for

Any other state

Under a personal auto policy, in which of the following locations would a vehicle primarily garaged in California because it?

Provided by the insurance policy on an excess basis

Under the personal auto policy, liability for bodily injury resulting from the insurance use of a non-old automobile is

$25

What is the basic limit for cost incurred at the place of the vehicle is disabled provided by the towing and labor cost endorsement?

Uninsured motorist

What is the name for the type of property damage coverage that protects the insured or the cupboard auto in an accident with someone who does not have coverage?

Whatever coverage applied to the vehicle being replaced

When a replacement auto is acquired during the policy period, what coverage will apply to it automatically under personal auto policy?

They do not change

When a vehicle travels from one state to another what happens to the limits of policy liability any personal auto policy?

When the coverage is purchased

When are the limits for uninsured motorist coverage?

When the other party is legally liable but has no insurance

When would uninsured motorist coverage apply?

The insured is injured while driving his motorcycle on his residence premises

Which of the following circumstances would be excluded under medical payments coverage of a personal auto policy?

Type and model of vehicle

Which of the following is NOT one of the three factors set by state law for determining rates in premiums on automobile insurance policies?

Mechanical breakdown

Which of the following is a common exclusion found in part D: coverage for damage to your auto I have a PAP?

Sound reproduction equipment permanently installed in the covered auto

Which of the following is included under the physical damage coverage of a personal auto policy?

A person must have been license to drive a motor vehicle for the previous five years

Which of the following is not a requirement for purchasing a good driver discount policy

A person must have been license to drive a motor vehicle for the previous five years

Which of the following is not a requirement for purchasing a good driver discount policy?

The insured damages a rented garage when he failed to stop in time

Which of the following losses would be covered under the property damage liability coverage of a personal auto policy?

A newly acquired auto

Which of the following will have the broadest coverage provided for a vehicle and decorations?

Medical coverage

Which of the following will most likely be the same in any PAP and a motorcycle endorsement?

The applicants driving record

Which of the following would be considered the most important factor in determining the rates in premiums for an applicant for an auto policy?

An auto borrowed from an employee

Which of the following would not qualify as a hired auto?

Any vehicle not owned by the insured, but furnished for use while the cupboard auto is out of normal use because of repair

While an insureds covered auto is in the repair shop damage caused by collision, the insured would have coverage for which of the following vehicles under personal auto policy?

Any vehicle not owned by the insured, but furnished for use while the cupboard auto is out of normal use because of the repair

While an insureds covered auto is in the repair shop following damage caused by a collision, the insured would have coverage for which of the following vehicles under personal auto policy?

Property damage liability

While in insured was towing a utility trailer with his auto, the trailer came loose and ran into a storefront. What part of the insured's auto policy would pay for the damage to the store?

Immediately report to an emergency room for medical examination

With regards to the personal auto policy in the event of a claim or loss the insured is required to do all the following except

A pick up our van title to and used in the name insured's business

With respect to auto insurance, the term owned autos include all of the following except

Vehicle that is titled to another person, but is being years with permission by an insured

With respect to the personal auto policy, which of the following vehicles could be classified as a non-owned auto?

Vehicle that is titled to another person, but is being used with permission by insured

With respect to the personal auto policy, which of the following vehicles would be classified as a non-owned auto?

Damage to your auto (customized equipment)

Zachary is the proud owner of a 1998 sports car to which he has added a high-performance engine costing several thousand dollars. Zachary has added an endorsement to his policy which will provide coverage against loss or damage to the engine. This type of endorsement is known as

Only CAARP certified agents or CAARP certified brokers are authorized to except applications

All of the following are false regarding eligibility to place business through the CAARP except

Physical damage coverage

All of the following are parts of a personal auto policy except

Up to $100 for the cost to secure the release of a vehicle payment impoundment lot following a covered accident

All of the following are supplemental payments included in the liability section of a personal auto policy except

The limits of liability is the greater the actual cash value of the vehicle at the time of loss or the amount necessary to repair or replace the vehicle

All of the following are true regarding physical damage coverage except

The federal government has regulatory oversight over the program due to the pilot California low cost auto insurance program

All of the following are true regarding the California automobile assigned risk plan CAARP except

Risk requiring higher limit of $50,000 are in eligible for coverage

All of the following are true regarding the commercial automobile insurance procedure CAIP except

Anyone who does not owe money on any automobile insurance policy within the last 18 months

All of the following our eligibility criteria for applicants in the CAARP except

Joint ownership coverage endorsement is added

An automobile that is owned by a non-traditional household, not consisting of a husband and wife may be insured under personal auto policy if

Per occurrence

An insured has a liability policy that sets the amount for all claims that arise from a single incident at $50,000. Which type of limit of liability does this insureds policy have?

A surety bond for $50,000 of change for my company license to do business in California

California is compulsory financial responsibility while requires every driver and every owner of a motor vehicle to maintain financial responsibility liability coverage at all times all the following except a bowl forms of financial responsibility except

Which of the following would not be covered under liability section of a personal auto policy?

Bodily injury is caused by the insured's negligence well driving at three will all-terrain vehicle

Four years

California's compulsory financial responsibility law requires every driver and every owner of a motor vehicle to maintain financial responsibility liability coverage at all times. If you don't have acceptableFinancial responsibility and have an accident, you may lose your drivers license for up to

Liability and medical payments

Extended nonowned coverage endorsement and a PAP Broadens which of the following coverages?