Chapter 6 Personal Auto Policy

Question 1

PAP or personal auto policy has 6 catagories known as parts. what does part A cover.

Answer 1

Liability coverages

Question 2

what part of the auto policy covers medical payments

Answer 2

part b

Question 3

The named insured listed in the declarations, and the spouse if a resident of the same household.

Answer 3

you and your

Question 4

Private Passenger Auto

Answer 4

Shall be deemed to be owned by a person if the auto is owned or leased under contract for a continuous period of at least 6 months.

Question 5

1. In the event of a covered loss, Persons submitting claims to the insurance company are
   required to:

Answer 5

a. Notify the insurer promptly about how, when, and where the accident or loss occurred.
In addition, the insurer must be provided with the names and addresses of anyone with
injuries or anyone who witnessed the accident or loss.
b. Cooperate with the investigation and settlement of any claim.
c. Promptly send to the insurer any copies of notices or legal papers received.
d. Submit to a physical exam as reasonably required by the insurer.
e. Authorize the insurer to obtain copies of medical reports and other pertinent records.
f. Submit a proof of loss when required by the insurer.

Question 6

Liability Coverage include the cost of bail bonds,
appeal bonds, post-judgment interest, loss of earnings, and reasonable expenses while assisting
the insurer in the defense of a claim.

Answer 6

Supplementary Payments

Question 7

does not apply to vehicles with fewer than four wheels, vehicles that are owned but not insured, uninsured vehicles owned by family members

Answer 7

Part A liability

Question 8

provides insurance to persons injured in accidents
caused by another party who is legally responsible for injuries to an insured that arise out of the
ownership, maintenance, or use of an uninsured motor vehicle.

Answer 8

Part C – Uninsured Motorists Coverage (UM)

Question 9

covers the insured against drivers who have auto

liability insurance but the coverage limits are inadequate.

Answer 9

Underinsured Motorists Coverage (UIM)

Question 10

also known as the physical damage coverages
collision and other than collision, pays for direct and accidental damage, regardless of fault, to
the insured’s covered vehicles and non-owned autos.

Answer 10

Part D – Coverage for Damage to Your Vehicle