Auto Insurance Quiz 9

15問 • 4ヶ月前

問題一覧

Which of the following statements is true concerning Underinsured Motorists Coverage under a Personal Auto Policy in Pennsylvania?

Coverage applies as excess to the bodily injury limits carried by the operator of the other vehicle

When an insurer cancels an auto policy for an allowable reason, they must give notice to the named insured of possible eligibility for coverage through the Pennsylvania Auto Insurance Plan, unless the reason for cancellation is

Nonpayment of premium

An automobile that is owned by multiple individuals who are not spouses or otherwise in the same household may be insured under a personal auto policy if

A joint ownership coverage endorsement is added

With regards to the personal auto policy, in the event of a claim or loss , the insured is required to do all the following EXCEPT

Immediately report to an emergency room for medical examination

An insured has an auto policy with limits of 25/50/15. The insured is involved in an accident caused by her negligence and is held legally liable for bodily injuries of 3 persons in the other auto as follows: "A" $15,000, "B" $30,000, and "C" $35,000. How much will her insurer pay in total for all injuries?

$50,000

An insured is involved in an auto accident in another state. The state has a financial responsibility law that specifies limits of liability higher than the limits shown in the declarations. What amount will the insured's policy pay?

Higher limits

According to the financial responsibility requirements set by the Motor Carrier Act of 1980, what is the minimum amount of insurance the company must carry for the transportation of nonhazardous property?

$750,000

Which of the following losses would be covered under the property damage liability coverage of a personal auto policy?

The insured damages a rented garage when he failed to stop in time

Transportation expenses are covered under a personal auto policy for

$20 per day, for a maximum of $600

Which one of the following symbols used in business auto coverage is correctly described?

Symbol 9 - nonowned autos only

What is the purpose of the Assigned Risk Plan?

To provide auto insurance for applicants who are unable to obtain coverage through commercial insurers

Which of the following would NOT be covered under the liability section of a personal auto policy?

Bodily injury caused by the insured's negligence while driving a three-wheel all terrain vehicle

In a personal auto policy, the medical payments coverage is similar to

Accident insurance, because it pays medical expenses regardless of fault

If a covered auto is involved in an auto accident in another state, what happens to the limits of policy liability in a personal auto policy?

They adjust to at least the minimum limits of the other state

An insured was involved in an automobile accident for which the insured was at fault. Which of the following coverages would pay for damage to the insured's automobile?

Collision

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