Study 4 - Uninsured Automobile Coverage

Question 1

An accident in BC for which an identified but uninsured driver is responsible destroys your $20,000 car, and results in injuries to the insured and his spouse totaling $300,000. The insurer will pay the insured

a. $300,000 for bodily injuries only
b. $320,000 for both bodily injuries and damage to vehicle
c. $200,000 for bodily injuries only and none for damage to vehicle
d. $180,000 for bodily injuries and $20,000 for damage to vehicle

Answer 1

d. $180,000 for bodily injuries and $20,000 for damage to vehicle

Question 2

The insured person under the Autoplan Uninsured Automobile coverage is

a. any occupant of the automobile
b. insured and his or her spouse and any dependent relative of either while the occupant of an uninsured automobile
c. insured and his or her spouse and any dependent relative of either while not an occupant of an automobile, if struck by an uninsured or unidentified automobile
d. all of the above

Answer 2

d. all of the above

Question 3

Claims for Property Damage under the Autoplan Uninsured Automobile coverage

a. insured must notify insurer in writing within 30 days of the accident
b. insured must proceed with repairs of the damage as soon as possible
c. insured should leave damage auto to insurer after reporting of the accident
d. if insurer replaces the automobile or pays its actual cash value, the insurer owns the salvage

Answer 3

d. if insurer replaces the automobile or pays its actual cash value, the insurer owns the salvage

Question 4

Highway Victims Indemnity Funds in Canada are financed

a. some by the insurance industry and some by the insureds
b. some by the government and some by the insurance industry
c. some by the government and some by the insureds
d. some by the Facility Association and some by the insureds

Answer 4

b. some by the government and some by the insurance industry

Question 5

Under BC Autoplan Hit & Run coverage, the deductible that applies for collision damage is

a. $300
b. $500
c. $750
d. $750 or the collision deductible (if collision coverage was purchased)

Answer 5

d. $750 or the collision deductible (if collision coverage was purchased)

Question 6

One can claim under the Autoplan Uninsured Automobile Coverage

a. for vehicle damage but not for injury
b. only if the other motorist was at least partially at fault
c. when one has no other insurance
d. when the other motorist’s limits are too low to cover the totality of one’s claim

Answer 6

b. only if the other motorist was at least partially at fault

Question 7

An uninsured automobile is

a. one for which neither the owner nor driver has liability Insurance to cover bodily injury or property damage arising Out of its ownership use or operation
b. one owned by or registered to the named insured person or his or her spouse
c. one whose owner or driver cannot be determined
d. none of the above

Answer 7

a. one for which neither the owner nor driver has liability Insurance to cover bodily injury or property damage arising Out of its ownership use or operation

Question 8

You are involved in BC in an accident for which an uninsured driver is responsible. You suffer losses amounting to $225,000. You recover $50,000 from other insurance coverage. Your Autoplan Uninsured Automobile coverage will pay:

a. $125,000
b. $100,000
c. $150,000
d. none of the above

Answer 8

c. $150,000

Question 9

Which of the following is NOT true of the Uninsured Automobile/Motorist coverage

a. a deductible applies to bodily injury losses
b. an insured must be legally entitled to recover
c. it covers bodily injury caused by unidentified and uninsured motorists
d. it is available in all Canadian provinces

Answer 9

a. a deductible applies to bodily injury losses

Question 10

The only province in Canada that does not respond to property Damage claim either under Uninsured Automobile Cover or through the applicable fund is

a. Alberta
b. Newfoundland
c. Ontario
d. Quebec

Answer 10

a. Alberta