Personal Auto

Question 1

What is named nonowner coverage used for

Answer 1

Covers and individuals use of AutoZone he does not own an auto

Question 2

Ms. Adams has a personal auto policy with liability limits of 10/20/10. If she has an accident in the sand to be negligent, how much would her policy pay for injuries to Mrs. B of 4000, Mrs. C of 12,000 and to Mrs. C’s automobile in the amount of 8000?

Answer 2

$22,000

Question 3

What do you bail bonds up to $250, appeal bond or release of attachment bond premiums, and interest on judgments have in common?

Answer 3

They are supplementary payments and a personal auto policy

Question 4

How does auto medical payments applied to injuries that are also covered by Worker’s Compensation benefits?

Answer 4

Medical payments excludes coverage if Worker’s Comp. is available

Question 5

The P a P endorsement that provides liability, medical payments and UIM for named individual who does not own an automobile is called?

Answer 5

Named nonowner coverage

Question 6

How do you Worker’s Compensation benefits of plywood work-related injuries are also covered by PIP?

Answer 6

PIP is excess over WC

Question 7

Melvin has a Pap with part D – damage to your auto deductible of $250 for collision and $100 for other than collision. If Melvin runs into a large Kyle and has $2950 damage to his auto, is part D coverage will pay what?

Answer 7

$2850.

Question 8

John has three autos insured was stacked uninsured motorist coverage in the amount of $100,000. John is driving a friends auto that has 50,000 UM coverage and has an accident in which the other party is negligent. What is the maximum John might collect under UM?

Answer 8

$350,000

Question 9

Can a driver collect under Worker’s Compensation in a medical pay under a pal coverage?

Answer 9

No

Question 10

Can an insured purchase UM coverage with the limit greater than the bi limit?

Answer 10

No

Question 11

Which coverages are primary and the owned auto/excess in the nonowned auto?

Answer 11

Medical payments

Question 12

Ms. writer has a personal auto policy with liability limits of $100,000. If she has an accident and is found to be negligent, how much with her policy pay if there was $120,000 judgment and $32,000 in defense cost?

Answer 12

$132,000

Question 13

Under personal auto policy, what is included within your covered auto?

Answer 13

And eligible vehicle acquired during the policy period, anon owned vehicle used as a substitute for an own vehicle, and a trailer owned by the insured.

Question 14

Mr. Jeff has an accident, which is not his fault, while driving his friends auto. Friends policy has no med pay. Jeff has a personal auto policy was $5000 per person medical payments coverage. If Mr. Jeff has $2200 in medical expenses, how much will pap pay?

Answer 14

$2200

Question 15

Can a vehicle with the lease under four months be eligible for coverage under a personal auto policy?

Answer 15

No, a vehicle must be leased for six months or longer to qualify

Question 16

If financial responsibility requirements not met the time of accident what must be done to avoid penalties?

Answer 16

Satisfy all legally belly clams up to 10/20/10, certify compliance with financial responsibility using an SR – 22, maintain proof of financial responsibility for three years.

Question 17

What can trigger Florida’s. Financial responsibility law

Answer 17

An accident involving bodily injury, and accent where the property damage makes the vehicle and operable, committing a felony with auto

Question 18

The basic dollar limit on part D – damage to your auto is?

Answer 18

There is no dollar limit, it’s valued at actual cash value

Question 19

And mechanical breakdown insurance, the rental reimbursement provision pays how much

Answer 19

$15 a day/$75 max

Question 20

The personal auto policy coverage that provides the insured for bodily injury for a claim against another driver who has no liability insurance or liability lessen the insurance injury is called

Answer 20

Uninsured motorist

Question 21

To what extent does part D damage to your auto cover nonowned auto’s

Answer 21

It is the same as The broadest of your covered autos on excess basis over that on non-owned

Question 22

What is the coverage for trailers under personal auto policy part D?

Answer 22

$1500 nonowned trailers

Question 23

Who is not eligible for a personal auto policy?

Answer 23

Partnerships

Question 24

Under the personal auto policy medical payments are paid for what period of time after an accident?

Answer 24

Three years

Question 25

What is the endorsement called that allows personal auto policy to cover various types of equipment such as motorcycles and golf carts?

Answer 25

Miscellaneous type vehicle

Question 26

What is the endorsement under personal auto policy called that modifies the personal auto policy to cover name insured and or a family member for auto’s furnished for regular use?

Answer 26

Extended nonowned coverage

Question 27

An individual injured in an automobile accident has personal injury policy with A $1000 deductible.if the individual is injured by an at fault driver and suffers $8000 in medical expenses, how much could they seek to recover and a tort claim?

Answer 27

$2400

Question 28

If the extended personal injury policy endorsement is purchased what does it cover?

Answer 28

It increases medical to 100% and income loss to 80%

Question 29

In what order would be look to the following policies for coverage for an injury sustained in a car accident?

Answer 29

WC, PIP, MP

Question 30

In Florida, medical payments will pay

Answer 30

Excess benefits above the PIP payment

Question 31

Uninsured motors coverage payments would be reduced by recoveries from what,

Answer 31

Worker’s Compensation, disability insurance, auto medical payments.

Question 32

Andy has mechanical breakdown insurance and has a covered breakdown. He incurs the following costs: towing at $125, repair of damaged part I $1250, tuneup at $200. Assuming he has adequate limits and over deductible what will it pay?

Answer 32

$1250

Question 33

What are the primary exclusions to a personal auto policy part d?

Answer 33

Equipment

Question 34

Nonresidents must comply with the Florida no-fault law if

Answer 34

Their auto is in Florida over 90 out of the last 365 days

Question 35

The penalties for failure to comply with the Florida no-fault are what?

Answer 35

Loss of tour immunity, personal liability for PIP benefits and suspension of drivers license and auto registration

Question 36

Sally and her friend are injured in an automobile accident and Sally’s car. Sally was at fault. Sally has a personal auto policy with medical payments of $2000 per person. If Sally has $1400 and injuries and Glenda has $2200 injuries how much will the personal auto policy pay?

Answer 36

$3400

Question 37

Under Florida personal injury protection and insured who has $1000 deductible and suffers $9000 in medical expenses will recover how much

Answer 37

$6400

Question 38

When is the named insured not entitled to a benefit of PIP?

Answer 38

When they are injured outside of Florida while a pedestrian by any motor vehicle

Question 39

Exceptions to the no fault tort exemption for general damages include

Answer 39

Permanent loss of bodily function, permanent injury other than scarring or disfigurement, significant permanent scarring or disfigurement

Question 40

In mechanical breakdown Insurance, the policy terms are:

Answer 40

New car 36 months/36,000 miles. Usedcars 12 months/12,000 miles

Question 41

For personal injury protection the owner of a motor vehicle is the person who

Answer 41

One who holds the legal title, debtor-in-possession, one who leases with the option to purchase, one who leases for six months or more