Module 2 - Personal Auto Insurance

Question 1

A Florida automobile owner insured with regular PIP coverage of $10,000.

There is an accident where there are medical bills are $10,000. What will PIP pay?

Answer 1

$8,000
80% of medical up to $10,000

Question 2

What if the insured is driving a car owned by her employer while working and is injured?

Answer 2

Workers comp is primary and PIP is excess

Question 3

The insured has borrowed a neighbor’s car and has three friends with him in the car. All reside in Florida and all own automobiles. There is an accident; all are injured.

Answer 3

All 4 people in car will get PIP from their own policies

Question 4

Insured is in the vehicle with four children. All are injured in an automobile accident. What is the PIP coverage?

Answer 4

All 5 people will get PIP from insured and it will be $10,000 max for each person

Question 5

Insured’s spouse (not listed on the declaration page) has four buddies in the car and all are injured in an accident.

Answer 5

You don’t need to list spouse on PIP. They will all get PIP on own policy, if someone doesn’t have PIP coverage than they will get it from the driver

Question 6

Insured has $80,000 in medical injuries.

Answer 6

PIP will pay $10,000

Question 7

Insured has $11,000 in medical bills.

Answer 7

$8,800

Question 8

Insured has $11,000 in medical bills and a $1000 deductible.

Answer 8

11,000 - 1,000 deductible is $10,000 and PIP pays %80 of that which is $8,000