Auto study 6

Question 1

Automobiles are covered anywhere in

Answer 1

Canada and USA

Question 2

Would you have automobile coverage in Mexico

Answer 2

No

Question 3

Would you have automobile insurance in Hawaii or Alaska

Answer 3

Yes

Question 4

In OAP 1 A person including the driver in or on an automobile, getting into, on, or out of or off an automobile is what

Answer 4

Occupant

Question 5

In a relationship of some permanence if they are natural or adoptive parents of a child they would be

Answer 5

Spouse

Question 6

Living together Continuously for a period of not less than 3 years

Answer 6

Spouse

Question 7

When we refer to an automobile as described we mean

Answer 7

Any automobile specifically shown on the certificate of automobile insurance

Question 8

What/ who is covered

Answer 8

1. A described automobile
2. A newly acquired automobile
3. A temporary substitute automobile
4. Other automobiles driven by you or your spouse who lives with you
5. Trailers in certain circumstances

Question 9

When an insured purchases an additional or replacement automobile coverage is automatically extended to it provided the insured notifies the insurer within ______ of taking possesion

Answer 9

14 days

Question 10

Newly acquired automobile, the replacement automobile is insured for the same coverages as the described vehicle it replaces. However if the same insurer does not insure all automobiles owned by the insured coverage

Answer 10

Does not extend to the newly acquired automobile

Question 11

If the existing insured automobiles have different deductibles then the ____________ applies to the newly acquired automobile

Answer 11

Higher deductible

Question 12

While you are operating a TSA the primary responsibility for coverage under liability will mainly fall on the

Answer 12

Registered owners policy

Question 13

The minute someone was given permission to operate the TSA they became an ___________ under the __________

Answer 13

Insured under the owners policy

Question 14

Coverages extended to the TSA thay are similar but not identical what is an example of this

Answer 14

Described automobile would not be passed onto a TSA because you have to own the vehicle for this coverage

Question 15

There are two situations in which the liability coverage of the driver of a TSA will respond rather then or in addition to the owners policy

Answer 15

1. Where the TSA is uninsured

2. Where the owners limit of liability is insufficient to pay a judgement or settlement

Question 16

Who pays the deductible in a TSA accident if the deductible of the driver is the same as the owner

Answer 16

The driver out of pocket

Question 17

Who pays the deductible in a TSA accident when the owners deductible is higher then the driver

Answer 17

The driver lays their full deductible out of pocket and the owners insurance pays the rest to get to the owners deductible

Question 18

2 automobiles on 2 seperate policies, who pays when the owner gets into an accident in a non owned vehicle

Answer 18

The amount is split proportionately NOT equally

Question 19

The insurer must not be engaged in the __________________ or the newly acquired coverage will not apply

Answer 19

The business of selling automobiles