Exam 11: the Personal Auto Policy

Nurse Goodbody works for Dr.Bond. While driving to the hospital one day,Dr.Bond has an accident that is his fault. Nurse Goodbody,as a passenger of the car,is injured. Which of the following is true?

Dameion has a collision that is his fault. The ACV of his vehicle is $13,922. To repair the damages caused in the accident,it will cost $15,722. What will the insurer likely pay Dameion under his COLLISION coverage,assuming his deductible is $500?

Antonius accidentally runs over his friend Shaq while Shaq is walking across the street. The police declare the accident to be Antonius's fault. Where could Shaq have his injuries covered?

If you rent a car while on vacation,you have coverage for any collision damage to the rental car under your own PAP,assuming you have purchased such coverage on your owned automobiles.\

Robert drove his car from California to New Mexico. He had an accident right after crossing the border into New Mexico. His PAP provided coverage for this incident.

Chuck has an accident in which he is at fault. His liability limits on his PAP are 100/200/50. Five people besides Chuck are injured in the auto accident. Assuming that the following claims are paid in the order in which they are listed,how much will Chuck's insurer pay,in total,for all the bodily injuries? Joe = $75,000Mama = $125,000Fred = $2,500Granny = $2,500Bo = $5,000

Uninsured Motorist coverage usually provides property damage coverage to the insured for damages to his auto caused by an insured motorist.

What is the difference between a single limit and a split limit in expressing liability limits in the PAP?

The defense" provision of the automobile insurance contract says the insurer:

Which of the following is true regarding your PAP contract?

Under which of the following circumstances would Sue's PAP pay something for the loss?

The PAP's Other than Collision Coverage would pay for: I.Running off the road and into a lake II.Hitting a deer III.Hitting a chicken,losing control of your car as a result,and crashing into a ditch IV. Having a non-war-related missile land on top of your car V.Having your car stolen VI.Having your car vandalized by someone you broke up with

To have your bodily injuries covered under your Uninsured Motorist Coverage,you must have been at fault in the auto accident that caused your bodily injuries.

Which of the following is false?

Jackson has purchased Liability coverage limits of 100/200/50 on his PAP. He has an accident and finds himself liable for damages awarded in the following order: Bodily injury to A ? $250,000 Bodily injury to B ? $200,000 Bodily injury to C ? $150,000 Property Damage to D ? $40,000 Which of the following is true?

Your vehicle is damaged by another vehicle and the accident is the fault of the other driver.You may collect for damages to your vehicle,less the deductible,from your insurance company under Coverage D,COLLISION,if a premium for COLLISION has been paid.

Which of the following is not a valid reason to carry Medical Payments coverage?

A PAP may be canceled at any time for any reason if the insurance company no longer wants to insure you.

Tammy has a PAP with Medical Payments coverage of $5,000,and Uninsured Motorist coverage of $100,000/$200,000. She is hit by an uninsured motorist and suffers bodily injuries in the amount of $225,000. In total,her PAP will pay her:

Bob loans his car to Norm,and Norm wrecks the car. Both Bob and Norm have PAP's on their owned vehicles,and both men have purchased all four major coverages (A,B,C and D)on their automobiles. Whose policy will pay for this loss on a PRIMARY basis?