Which of the following is not eligible for a Personal Auto Policy? Show A: A 9-passenger station wagon B: A private passenger auto used as a taxicab C: A van that is not used to deliver cargo D: A farm pickup truck used only for farming B: A private passenger auto used as a taxicab A vehicle used to transport ppl or goods for hire is not eligible for a personal auto policy. (An exception applies to vehicles used for farming/ranching purposes) A policy has limits of $25,000 BI per person, $50,000 BI per accident and $10,000 PD per accident. What would be the insurer's laibility arising out of a single accident where claimant A has injuries in the amount of $25,500; claimant B, $20,500; and claimant C $4,000? A: $50,000 B: $25,000 C: $49,500 D: $45,000 C: $49,500 Policy would pay up to the BI limit of $25,000 for A, $20,500 for B; and $4,000 for C. $25,000 + $20,500 + $4,000 = $49,500 Which statement is true of Part B- Medical Payments in a Personal Auto Policy? A: BI must accompany medical payments coverage B: Part B covers medical and funeral services sustained by the insured C: Part b pays medical expenses only when the insured is legally liable D: It will pay an insured's injuries that occur during a racing activity B: Part B covers medical and funeral services sustained by the insured Coverage applies to any occupant of the insured vehicle and also to members of the insured's household as pedestrians when struck by a motor vehicle or as an occupant of another person's vehicle All of the following are true of Uninsured Motorists Property Damage Coverage in CA, except: A: If a vehicle is not insured for collision losses, the coverage pays up to $3,500 of the actual cash value of the damage to the insured vehicle B: If a vehicle is insured for collision losses, the coverage functions as a waiver of the deductible C: The purchase of the coverage is required for motorists to fulfill their financial responsibility requirements in CA D: Auto insurers are required to offer the coverage C: The purchase of the coverage is required for motorists to fulfill their financial responsibility requirements in CA It is required that the coverage be offered by auto insurers, but not a required purchase by the consumer Auto collision insurance under the Personal Auto Policy provides payment for losses: A: To your car, regardless of liability B: To your car, and the car you run into C: To the car you run into, regardless of liability D: To your car, only if you are legally liable A: To your car, regardless of liability Collision only applies to a vehicle of the insured and is applied regardless of fault Which of the following endorsements would cover the named insured and family members who use a company vehicle that is furnished for the named insured's regular use? A: Joint Ownership Coverage B: Named Non-Owner Coverage C: Miscellaneous Type Vehicle Endorsement D: Extended Non-Owned Coverage for Named Individual D: Extended Non-Owned Coverage for Named Individual This coverage may also be used to provide excess coverage for business use of a non-owned commercial vehicle or private-passenger vehicle used as a common carrier or livery The minimum liability limits in CA are: A: 10/5/25 B: 15/5/30 C: 15/30/10 D: 15/30/5 D: 15/30/5 Which statement is false regarding a newly acquired additional vehicle? A: It may be a pickup truck with a GVW of up to 10,000 lbs B: The insurer must be notified immediately C: It is covered as soon as the insured has insurable interest D: Coverage is as broad as the broadest coverage for any vehicle now insured by the insurer B: The insurer must be notified immediately A newly acquired vehicle must be reported to the insurer within 14 days in order to be covered from the date of acquisition. Which of the following would not be included in coverage under a Personal Auto Policy? A: A pickup truck with a gross vehicle weight of 7600 pounds B: An eight passenger van with a gross vehicle weight of 7600 pounds C: Any trailer that the insured owns D: A motorcycle D: A motorcycle Generally, vehicles that have fewer than 4 wheels are excluded from coverage All of the following are considered in rating private passenger automobiles for liability coverage, except: A: Vehicle use and annual mileage B: Age and driving experience C: Make and model year of the vehicle D: Safety record C: Make and model year of the vehicle Make and model of car is used only for Physical Damage coverage All of the following are defined as insured under Part A of the Personal Auto Policy, except: A: The Named Insured B: Any Family Member of the Named Insured C: Anyone using the covered automobile with permission D: A mechanic who is test driving an insured auto D: A mechanic who is test driving an insured auto These definitions of insured are the definitions set forth in the Liability Coverage of the Personal Auto Policy Under the Personal Auto Policy, Medical Payments coverage is provided for which of the following: A: Any person while occupying a vehicle that has fewer than four wheels B: A vehicle being used in a recognized racing activity C: The policyholder's vehicle while it is being used as a public or livery conveyance D: A passenger while occupying the covered auto D: A passenger while occupying the covered auto Vehicles with less than 4 wheels, and those used for racing or public liveries, are not covered under the PAP Which of the following is covered under coverage for damage to your auto? A: Theft loss to a portable CD player B: Flood damage to a convertible when the top is left down C: Damage to unreported custom equipment on a pickup or van D: Damage to a radar detector B: Flood damage to a convertible when the top is left down Flood damage is covered under Other Than Collision coverage Duties After a Loss- Part E of the Personal Auto Policy states that after a loss the insured must: A: When making a claim under Part D, protect the auto from further damage, notify the police promptly if the vehicle was stolen, and allow the insurer to inspect and appraise the damaged vehicle before repairs are made B: Immediately initiate repairs to the vehicle to protect it from further damage C: Give notice of the accident to the insurer within 30 days D: If the vehicle was stolen, contact the insurer for permission to report the theft to the police A: When making a claim under Part D, protect the auto from further damage, notify the police promptly if the vehicle was stolen, and allow the insurer to inspect and appraise the damaged vehicle before repairs are made Part E-Duties After a Loss, sets the duties of the insured seeking coverage under Coverages A, B, C, and D Which statement is true of auto assigned risk plans? A: They reduce the cost of insurance B: They force people to purchase insurance C: They provide insurance to anyone who can pay the premium D: They help a driver obtain insurance D: They help a driver obtain insurance The auto assigned risk plan is for drivers who cannot find coverage in the standard market All of the following are true about eligibility for Low-Cost Auto Insurance in CA, except: A: A driver must live in a household whose gross annual income does not exceed 250% of the federal poverty level B: A driver cannot have had any at fault accidents involving BI or death within 3 years preceding the date of application C: A driver must be at least 16 years of age D: A driver must have been licensed to drive for 5 years before applying D: A driver must have been licensed to drive for 5 years before applying Applicants must have 3 years of driving experience, or pay a surcharge Under the Personal Auto Policy, medical payments do not apply to persons while occupying which of the following? A: A van used in the insured's business B: A pickup used in the insured's business C: A vehicle used during the course of employment if Workers' Compensation benefits are required or available C: A vehicle used during the course of employment if Workers' Compensation benefits are required or available Workers' Compensation coverage is intended to be an exclusive remedy for injuries incurred in the course of employment; therefore, these injuries are excluded under Medical Payments coverage If a bird hits a windshield and breaks it, under a Personal Auto Policy the loss would be paid: A: Under the Other Than Collision part B: Under the collision part A: Under the Other Than Collision part Which of the following is correct regarding Uninsured Motorists Coverage under the Personal Auto Policy? A: It covers BI to the insured and PD to the insured's property due to an accident caused by the driver of an uninsured vehicle B: It covers BI of an insured due to an accident caused by the driver of an uninsured vehicle C: It covers damage to the insured's vehicle due to an accident caused by the driver of an uninsured vehicle D: It provides coverage for the driver of an uninsured automobile that is involved in an accident with the insured automobile B: It covers BI of an insured due to an accident caused by the driver of an uninsured vehicle The purpose of Uninsured Motorists Coverage is to provide coverage for a insured injured in an accident that is the fault of the operator of an uninsured motor vehicle A Personal Auto Policy is designed to cover: A: An individual's of family's personal use of an auto B: The use, by an individual and/or spouse only of a personal automobile C: Only the non business use of a personal automobile D: Personal and Commercial autos that are owned by an individual or family A: An individual's of family's personal use of an auto A private passenger automobile used for business purposes is eligible, but commercial automobiles are not eligible Collision Coverage under Part D of the Personal Auto Policy would cover which of the following? A: Damage to the auto caused by objects blown into it during a severe windstorm or tornado B: Damage to the insured auto's bumper when the auto crashed into a tree C: Damage to the auto caused by collision with an animal on the roadway D: Breakage of the windshield caused by collision with a stone or other missiles A: Damage to the auto caused by objects blown into it during a severe windstorm or tornado Part D specifically stipulates certain causes of loss that are not considered collision. They include missiles or falling objects, fire, theft, explosion, windstorm, contact with a bird or animal, among others California low-cost auto policies offer the following liability limits: A: 10/15/5 B: 15/30/5 C: 10/20/3 D: 5/10/5 C: 10/20/3 Which of the following would not be covered under a personal auto policy?The Personal Auto Policy may be used to insure all of the following, except: A motorcycle; A motorcycle would not be covered unless added by endorsement.
What are the 4 parts of a personal auto policy?It may include liability, medical payment coverage, comprehensive, or collision coverage, depending on your policy. A personal auto policy is insurance on your personal vehicle. It may include liability, medical payment coverage, comprehensive, or collision coverage, depending on your policy.
Which are the third party coverage in the below?The two main categories of third-party insurance are liability coverage and property damage coverage.
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Which of the following would not be eligible for coverage under a personal auto policy quizlet?
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