The insured is hit in the rear while stopped at a traffic light. The insured's company pays for his repairs then seeks reimbursement from the responsible party. This is described as:
A) Subrogation
Damage to a windshield by a bird would be covered under:
B) Comprehensive
The Personal Auto Pilicy provides coverage in all of the following locations EXCEPT:
B) Mexico
Mr. Pfister carried 15/30/5 limits on an auto when he negligently ran into a parked car containing 3 occupants resulting in the following claims:
Tom - BI - $18,00/PD $8,000
Dick - BI $8,000
Harry - BI $4,000
In addition to these settlement awards, there was $18,000 in legal fees. In response to this, Pfister's P.A.P. will pay:
C) $50,000
After a loss, the insured must:
D) All of the above
All of the following are Physical Damage exclusions EXCEPT:
C) Loss to permanently installed car telephone
The insurer will pay transportation expenses under the P.A.P. beginning _____ after a theft of the insured's automobile.
A) 48 hours
Under the P.A.P., the insurer will pay for transportation expenses up to which of the following amounts?
C) $20 per day; $600 max
A car traveling at high speed skids at a turn and rolls over. The damage incurred would be covered under which of the following personal auto coverages?
C) Collision
A stolen car is covered under which of the following personal auto coverages?
C) Comprehensive
As a result of an auto accident, the insured sustains bodily injury worth $50,000. The responsible party carries auto liability insurance in the amount of 15/30/5. The insured's $100,000 underinsurance coverage would pay:
B) $50,000
The purpose of "underinsured motors" coverage is to:
C) Provides coverages for the insured when the at-fault driver carries less coverage than that needed to pay for the insured's injuries
An uninsured motor vehicle includes:
D) All of the above
The P.A.P. Medical Payments cover:
D) All of the above
Under the P.A.P. Medical Payments, the time limit for incurring medical expenses is:
C) 3 years
The P.A.P. liability coverage excludes all of the following EXCEPT:
C) Damage to property of others due to the insured's motor vehicle negligence
All of the following are considered insureds under the P.A.P. EXCEPT:
B) Any person using an auto not owned by the insured.
An auto liability policy with split limits of 15/30/5 would pay what maximum amount in the event of a covered bodily injury loss to 3 people?
B) $30,000 (no more than $15,000 per person)
An auto liability policy with split limits of 10/20/5 would pay how much in the event of a $10,000 loss to the other person's damaged vehicle.
A) $5,000
An auto liability policy with a single limit of $30,000 would pay which of the following amounts in the event of a $10,000 loss to the insured vehicle and a $25,000 bodily injury settlement to a third party?
A) $25,000 (not concerned about damage to insured's vehicle, but rather the coverage that applies under the liability portion of the P.A.P.)
Under the P.A.P., a covered auto includes all of the following EXCEPT:
A) Non-owned auto (PAP is excess coverage on a non-owned vehicle)
Leased vehicles can be covered under the P.A.P. of they are leased for a minimum of :
A) 6 consecutive months
A deer crashes into the side of the insured's car. Which of the following P.A.P. coverages would cover this damage?
A) Comprehensive
Which of the following would be covered under a P.A.P.?
D) A three wheeled vehicle used in a medical emergency (PAP makes exceptions for a vehicle with less than 4 wheels for a medical emergency)
An uninsured motorist vehicle under the Personal Auto Policy includes all of the following EXCEPT:
A) A vehicle newly aquired by the named insured
What is the limit for damage to a non-owned trailer under the personal auto policy?
