Car Casualty

Question 1

If an insured is injured while driving his own car, what coverage on his personal auto policy will pay the loss?

Answer 1

Part B medical

Question 2

Underinsured motorist (UIM) coverage will pay the difference between which 2 limits ?

Answer 2

The insured UIM limit and the at fault drivers insurance bodily injury limits

Question 3

What’s are 4 categories of uninsured motor vehicles?

Answer 3

No insurance , insurance is less than what required by the gingival responsibility laws, a hit and run, the sure denied coverage or becomes solvent

Question 4

What types of losses are indicated by the split limits in an auto insurance policy?

Answer 4

Bodily injury per person , bodily injury per accident , and property damage per accident .

Question 5

What type of auto coverage will apply in a hit and run accident where the driver cannot be identified?

Answer 5

Uninsured motorist

Question 6

Rental reimbursement endorsement is available only if am auto policy had what type of coverage?

Answer 6

Other than collision

Question 7

What would be considered a newly acquired auto?

Answer 7

A vehicle acquired by the insured during the policy period.

Question 8

What does the term “you” refer to in a personal auto policy

Answer 8

The names insured shown in the declarations, and the insured spouse ) if they live in the same home)

Question 9

What is the limit in part D :Coverage for damage to your auto?

Answer 9

The lesser of the actual cash value of the vehicle or the amount needed to repair or replace the vehicle

Question 10

What personal auto coverage would pay for the insured travel expenses and loss of earning, while the insured is involved in the settlement process of a covered loss?

Answer 10

Part A liabilty

Question 11

What losses are excluded from coverage and liability section of the personal auto Polocy?

Answer 11

Intentional injury or damage, damage to property own or transported by the insured

Question 12

Who is considered injured under part a liability of a personal auto policy?

Answer 12

The vehicle owner, or the family member, or any person using the covered auto with permission

Question 13

What is a combined limit in an auto insurance policy?

Answer 13

The maximum amounts the insurer will pay on the covered lost

Question 14

Coverage for medical payments under personal auto policy, applies to the expenses, following a covered accident that are insured and serviced rendered within what period of time?

Answer 14


Three years

Question 15

What is a covered auto

Answer 15

 a vehicle shown in the policy declarations

Question 16

If an auto policy has a split limit of 30/50/25, how much will the policy pay for property damage in a single accident?

Answer 16

25,000

Question 17

When does uninsured motorist coverage app

Answer 17

 when the other party is legally liable, but has no insurance

Question 18

If an auto policy has a split limit of 30/50/25, what is the maximum amount of the policy will pay for injuries to one person any single accident?

Answer 18

30,000

Question 19

In impersonal auto policy, to what geographical region does the out-of-state cover apply?

Answer 19

In the United States of America territory, as well as Canada

Question 20

If an auto policy has liability limits of 40/60/20, I would be the equivalent combined single limits

Answer 20

80,000

Question 21

What personal auto coverage would pay for damages to cover auto cost by collision with a deer?

Answer 21

Other than collision (comprehensive)

Question 22

When does the under insured mortar is coverage apply

Answer 22

When the motorist is at fault in an accident, but the limit of the auto insurance are not sufficient to cover the bodily injury to another motorist