PERSONAL AUTO POLICY; ELIGIBILITY; POLICY ORGANIZATION & DEFINITIONS

A common Conditions section applying to all coverage parts.

A standardized Personal Automobile policy contains all of the following sections/parts, EXCEPT:

$1000

A vehicle rolled over while exiting the interstate. The insured carries collision coverage with a $1,000 deductible and other than collision coverage with a $500 deductible. The damage to the vehicle is $2,000. What amount is the insurer responsible to pay?

A regular operator of the vehicle has received a citation for speeding.

After a standard Personal Automobile policy has been in effect for more than 60 days, the insurer may cancel the policy for all of the following reasons, EXCEPT:

A motorcycle owned by the insured.

All of the following would be eligible as "your covered auto" under a standard personal automobile policy, EXCEPT:

A temporary substitute.

An insured's car is damaged in an auto accident. While it is being repaired, the body shop loans the insured a replacement. Under the standard Personal Auto policy, this replacement vehicle is known as:

Facilitate the repairs to the vehicle and submit the invoice to the insurer.

Angie has suffered an automobile physical damage loss. All of the following are the insured's duties after a loss under Angie's Personal Automobile policy, EXCEPT:

Non-payment of premium.

David has received a cancellation notice in the mail for the standard Personal Automobile policy he purchased 10 days ago. The notice informs David that his policy will be cancelled 10-days from the date the notice was mailed. Which of the following is the most likely reason his policy was cancelled?

Glass breakage that is due to an upset or rollover of a covered auto.

Generally, losses that are covered under the "collision" coverage of a Personal Automobile policy are NOT covered under the "other than collision" coverage. Which of the following would be an exception to this general rule, allowing a claim to be paid under EITHER coverage?

Part D - Other Than Collision (Comprehensive).

George Wilson is covered under a standard Personal Auto policy. Which of the following policy coverages would apply when a deer leaps onto Mr. Wilson's car and causes extensive damage?

The body damage will be covered by Part D of the policy because Jim reported the new camper to the insurance agent within the required 14 days.

Jim and Tina are a married couple that enjoy the outdoors. They have their motor home and pick-up truck covered by a standard Personal Automobile policy and both vehicles are listed on the declarations page of the policy. They attend a Camping & RV show on May 1st and purchase a small camper to use when camping near their home that summer. Jim calls the insurance agent on May 10th and adds the camper to the policy. On May 24th, Jim and Tina are pulling their new camper with their pick-up truck on their way to a nearby camp site. Jim is driving and turns a tight corner, clipping a street lamp with the side of the camper. How will Jim and Tina's Personal Auto policy cover the body damage to their camper?

Part A - Liability

Morton loses control of his car and hits Jordan's car that was parked legally along the street where Morton was driving. The damage to Jordan's car is covered by which coverage of Morton's personal automobile policy?

At least 20-days' notice is provided to the insured.

Part F of the standard Personal Automobile policy states that the policy can be terminated within the first 60 days for any reason other than non-payment of premium if:

Indemnity Insurance will pay the claim.

Pete is covered under a Personal Auto policy with Indemnify Insurance when his car is stolen. Six months pass, Pete's car is never found and the policy period with Indemnify expires. Pete decides to purchase another Personal Auto policy with Fiduciary Insurance, Inc. Pete is covered under the policy with Fiduciary for about three months, when his stolen automobile is found with only minor physical damage. How will this claim be handled?

Part D

Physical damage coverage to an insured's car is covered by which of the following insuring agreements of the Personal Auto policy?

October 7th

Spencer is covered under a standard Personal Automobile policy with a policy inception date of October 15th. Additionally, the policy will expire on October 15th of the current year. Spencer contacts his agent on October 7th and asks to have an new endorsement added to his policy. The agent agrees, adds the coverage the same day, and informs Spencer that there will be an additional premium of $20 per month charged. When will the adjustment of premium be effective for Spencer?

Under a vehicle

The definition of "occupying" in the personal auto definitions means all of the following, EXCEPT:

Susan Green, Ben's wife. Susan maintains a separate residence although she and Ben are not divorced.

Under Ben Green's personal auto policy, each of the following would qualify as a "family member" EXCEPT:

Corporations

What are not eligible for coverage under a personal automobile policy:

$1500

What is the Part D limit of liability for damage to a non-owned trailer under the Personal Auto policy?

A newly acquired car reported to the insurer.

Which of the following could be considered "your covered auto" under a standard Personal Auto policy?

A large truck used to transport manufactured goods for a corporation.

Which of the following is NOT considered "your covered auto" under a standard Personal Auto policy?

There are separate deductible amounts, chosen by the insured, for the "Collision" coverage and the "Other Than Collision" coverage.

Which of the following is TRUE regarding deductibles that pertain to Part D of the standardized Personal Automobile policy?

The United States, its territories and possessions, Puerto Rico and Canada.

Which of the following is the policy territory as described in the standard Personal Automobile policy?

It can cover owned and nonowned automobiles.

Which of the following statements is TRUE concerning the Part D coverage of a standardized Personal Auto policy?

A replacement car purchased by the insured a week ago, but not yet reported to the insurance company.

Which of the following vehicles is considered "your covered auto" under a standardized Personal Auto policy?

A vehicle leased for 4 months

Which of the following vehicles would NOT be eligible for coverage under a personal automobile policy?

A vehicle leased for 4 months.

Which of the following vehicles would NOT be eligible for coverage under a personal automobile policy?