Part A-Liability Coverage

Question 1

Our option to contest contest lawsuits or claims against an insured up the liability limits chose

Answer 1

Duty to Defend

*Includes hiring a lawyer and other defense costs. CCC, not the Insured, determines this.

Question 2

Example of a Covered Driver NOT on the Declarations Page

Answer 2

Friend outside the household borrows with your permission

*Comp/Coll will not apply unless NDR selected

Question 3

3 Examples of a Covered Vehicle not on the Policy

Answer 3

1. Rental Car
2. Small Trailer owned or rented not used to deliver property for a fee
3. Borrow friend’s car.

Question 4

Shawshank Redemption. The amount BI/PD will pay for cost of Bail Bonds

Answer 4

$100

*The accident that landed the Insured in the slammer must have caused Bodily Injury or Property Damage.

Question 5

Take the day off. It’ s on us! The amount CCC pays for loss of earnings when Insured attends court hearings at our request.

Answer 5

$35 per day

Question 6

We’re not covering that! 5 exclusions to BI/PD Coverage

Answer 6

1. Use of the car while committing a crime
2. Intentional Loss
3. Carrying people or property for a fee (i.e. pizza delivery)
4. Car driven by an Excluded Driver
5. Drag racing
   BONUS: Zombie Apocalypse? BI or PD from civil war, rebellion or nuclear is also excluded….

Question 7

CCC will pay up to this amount for bodily injuries and property damage in any 1 accident

Answer 7

Limit of Liability

Question 8

15/30/10 -The most CCC will pay total in any one accident is how much?

Answer 8

$40,000

-$30k BI per accident. $10k PD per accidnet

Question 9

When you borrow someone else’s car, your CCC policy is this.

Answer 9

Excess Insurance

Question 10

If someone borrows your car, your CCC policy is this.

Answer 10

Primary Insurance

Question 11

Road Trip? Canada, Puerto Rico, Mexico.

Answer 11

Coverage applies in Canada and Puerto Rico
NOT in Mexico
*TX policies provide coverage within 50 mile radius of border from Mexico

Question 12

What coverage(s) ‘follow’ an Insured to a Rental Car?

Answer 12

BI/PD
UMBI
UIBI
*These ‘follow’ the driver to the other vehicles, whereas Comp/Coll and Safety Equip ‘stay’ with the car

Question 13

3 Examples of Uncovered Vehicles

Answer 13

Motorcycle
RV/Motorhome
Borrow a friend’s car without permission

Question 14

3 examples of Uncovered Drivers

Answer 14

Friend borrows your car without permission
Excluded Driver
Revoked License/Unlicensed

Question 15

Uber Driver logged in with no passengers

Answer 15

Covered Driver

*If Rideshare endo purchased