Personal Auto Policy

Question 1

Parts of PAP

Answer 1

Part A Liability Coverage
Part B Med payments
Part C UM
Part D Damage to your auto
Part E Duties after an accident or loss
Part F General Provisions

Question 2

PAP newly acquired auto coverage

Answer 2

Liability, med payments, and UM will be added

Must notify insurer within 14 days of insured becoming the owner

Question 3

Other than collision

Answer 3

• Missiles/falling objects
• fire
• theft/larceny
• explosion/earthquake
• windstorm
• hail water flood
• VMM
• riot civil commotion
• birds animals
• glass breakage

Question 4

Nonowned auto

Answer 4

Any private passenger auto, pickup, van, or trailer operated by or in the custody of the named insured or a family member, but that are not titled by or furnished for the regular use of the insured.

Question 5

Hired auto

Answer 5

Leased, hired, rented, or borrowed from someone other than an employee or partner

Question 6

Part A Liability pays for

Answer 6

BI and PD (insured at fault)

Defense costs (in addition to policy limits)

Costs for settling/defending the insured(end when limits are exhausted)

Question 7

Part A Liability Supplementary payments

Answer 7

Bail bonds up to $250

Premiums on appeal bonds, bonds to release attachments

Interest on a judgment (after judgment has been entered)

Other reasonable expenses, up to $200 per day for loss or earning for assisting in legal proceedings

ALL IN ADDITION TO LIABILITY LIMIT

Question 8

Part A Liability exclusions

Answer 8

• intentional injury or damage
• damage to property owned or being transported by a covered person
• damage to property rented, used, or in care of a covered person except a home or private garage
• BI to an employee during course of employment
• use of vehicle as public or livery conveyance, except carpools
• damage caused by any person while engaged in the business of selling, repairing, servicing, storing, or parking vehicles designed for use mainly on public highways
• use of commercial type vehicles in any business
• ppl using covered auto without permission
• ppl insured under a nuclear energy policy

Question 9

Part B med payments

When must expenses and services be rendered?

Answer 9

Within 3 years of accident

Question 10

UM vehicles include

Answer 10

• no liability bond or insurance on the vehicle
• bond or insurance is less than what is required by state laws in which accident occurred
• hit and run
• bonding or insurance company denies coverage or is

Question 11

UIM

Answer 11

Insured’s UIM limits - Driver’s BI = UIM payout

Question 12

Part D: coverage for damage to your auto

Physical damage exclusions

Answer 12

• vehicle used as public livery, excluding carpools
• wear and tear, freezing, mechanical breakdown,
• radioactive contamination, nuclear weapons, war
• electrical equipment that receives or transmits audio, etc
• confiscation or destruction by gov or civil authorities
• to a camper body or trailer not in declarations
• to any custom furnishings or equip in a pickup or van
• racing facility
• loss of personal effects

Question 13

Part D coverage for damage to your auto

Limits of liability

Answer 13

The LESSER of

• the ACV of the vehicle at the time of the loss or
• amount necessary to repair or replace the vehicle

non owned trailers limit of $1500
electronic equipment limit $1000

Question 14

Part D coverage for damage to your auto

Transportation expenses limits

Answer 14

-up to $20 per day up to $600
-24 hr waiting period for reasons other than theft
-48 hr waiting period
No deductible required!

Question 15

Rental reimbursement is only available when

Answer 15

other than collision coverage is on the policy