Personal Auto Policy Details Flashcards
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Read the first 7 Personal Auto Policy Details flashcards as text
Under a Personal Auto Policy, which coverage pays for damage to your own vehicle caused by a collision with another car?
Answer: Collision
Collision coverage pays for damage to the insured's vehicle resulting from a collision with another object or vehicle, regardless of fault.
A named insured under a PAP loans their car to a friend who is NOT listed on the policy. The friend causes an accident. How does the PAP respond?
Answer: The PAP covers the friend as a permissive user
A PAP follows the vehicle and covers permissive users — anyone driving with the named insured's permission.
Which section of the Personal Auto Policy defines who qualifies as an 'insured' for liability purposes?
Answer: Definitions section
The Definitions section of the PAP establishes who qualifies as an insured and clarifies key terms used throughout the policy.
Under PAP liability coverage, 'split limits' of 25/50/25 mean:
Answer: $25,000 per person bodily injury, $50,000 per accident bodily injury, $25,000 property damage
Split limits express BI per person / BI per accident / PD per accident — so 25/50/25 means $25K per person, $50K per accident for bodily injury, $25K property damage.
Which of the following losses would be covered under the Comprehensive (Other Than Collision) portion of a PAP?
Answer: Windshield cracked by a flying rock
Comprehensive coverage applies to losses other than collision, including damage from falling objects, missiles, and flying debris such as a rock.
Under the PAP, 'owned automobile' typically includes all of the following EXCEPT:
Answer: A vehicle owned by the insured's employer
A vehicle owned by the insured's employer is not considered an 'owned automobile' under the insured's personal auto policy.
The PAP's Medical Payments coverage applies to medical expenses incurred within how many years of an auto accident?
Answer: 3 years
PAP Medical Payments coverage pays for reasonable medical expenses incurred within 3 years of the date of the accident.