ch 3 quiz

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jadeneonsiren
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102007
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ch 3 quiz
Updated:
2011-09-15 20:26:53
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Chapter 3 Quiz
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  1. The insured is hit in the rear while stopped at a traffic light. The insured's company pays for his repairs then seeks reimbursement from the responsible party. This is described as:
    A) Subrogation
    B) Arbitration
    C) Appeal
    D) Reimbursement
    A) Subrogation
    (this multiple choice question has been scrambled)
  2. Damage to a windshield by a bird would be covered under:
    A) Collision
    B) Comprehensive
    C) Liability
    D) All of the above
    B) Comprehensive
    (this multiple choice question has been scrambled)
  3. The Personal Auto Pilicy provides coverage in all of the following locations EXCEPT:
    A) Alaska
    B) Canada
    C) Mexico
    D) Hawaii
    C) Mexico
    (this multiple choice question has been scrambled)
  4. Mr. Pfister carried 15/30/5 limits on an auto when he negligently ran into a parked car containing 3 occupants resulting in the following claims:
    Tom - BI - $18,00/PD $8,000
    Dick - BI $8,000
    Harry - BI $4,000
    In addition to these settlement awards, there was $18,000 in legal fees. In response to this, Pfister's P.A.P. will pay:
    A) $32,000
    B) $68,000
    C) $38,000
    D) $50,000
    D) $50,000
    (this multiple choice question has been scrambled)
  5. After a loss, the insured must:
    A) Notify the company
    B) Permit the company to inspect a damaged auto before repairs are started
    C) Submit to a physical exam if needed
    D) All of the above
    D) All of the above
  6. All of the following are Physical Damage exclusions EXCEPT:
    A) Loss to vehicle used as a livery
    B) Damage due to wear and tear
    C) Loss to permanently installed car telephone
    D) Loss to audio tapes
    C) Loss to permanently installed car telephone
    (this multiple choice question has been scrambled)
  7. The insurer will pay transportation expenses under the P.A.P. beginning _____ after a theft of the insured's automobile.
    A) 48 hours
    B) 72 hours
    C) 96 hours
    D) 24 hours
    A) 48 hours
    (this multiple choice question has been scrambled)
  8. Under the P.A.P., the insurer will pay for transportation expenses up to which of the following amounts?
    A) $20 per day; $500 max
    B) $20 per day; $600 max
    C) $15 per day; $300 max
    D) $10 per day; $300 max
    B) $20 per day; $600 max
    (this multiple choice question has been scrambled)
  9. A car traveling at high speed skids at a turn and rolls over. The damage incurred would be covered under which of the following personal auto coverages?
    A) PD liability
    B) Comprehensive
    C) Collision
    D) Uninsured motorist
    C) Collision
    (this multiple choice question has been scrambled)
  10. A stolen car is covered under which of the following personal auto coverages?
    A) Comprehensive
    B) Collision
    C) Uninsured motorist
    D) PD liability
    A) Comprehensive
    (this multiple choice question has been scrambled)
  11. As a result of an auto accident, the insured sustains bodily injury worth $50,000. The responsible party carries auto liability insurance in the amount of 15/30/5. The insured's $100,000 underinsurance coverage would pay:
    A) $15,000
    B) $50,000
    C) $100,000
    D) $35,000
    B) $50,000
    (this multiple choice question has been scrambled)
  12. The purpose of "underinsured motors" coverage is to:
    A) Pay for injuries sustained by insured who have been injuured when the at-fault driver carries auto limits less than the financial responsibility of the state in which the insured was injured.
    B) Provide coverage when the at-fault driver's insurance company denies the claim
    C) Provide coverage for a "hit-and-run" driver
    D) Provide coverage for the insured when the at-fault driver carries less coverage than that needed to pay for the insured's injuries
    D) Provides coverages for the insured when the at-fault driver carries less coverage than that needed to pay for the insured's injuries
    (this multiple choice question has been scrambled)
  13. An uninsured motor vehicle includes:
    A) An insured vehicle whose insurer denies coverage
    B) An insured vehicle whose insurer becomes insolvent
    C) A "hit and run" vehicle
    D) All of the above
    D) All of the above
  14. The P.A.P. Medical Payments cover:
    A) The insured as driver
    B) A passanger
    C) The insured as pedestrian
    D) All of the above
    D) All of the above
  15. Under the P.A.P. Medical Payments, the time limit for incurring medical expenses is:
    A) 6 months
    B) 2 years
    C) 3 years
    D) 1 year
    C) 3 years
    (this multiple choice question has been scrambled)
  16. The P.A.P. liability coverage excludes all of the following EXCEPT:
    A) Damage to property of others in the insured's care
    B) Damage to insured property
    C) Intentional injury
    D) Damage to property of others due to the insured's motor vehicle negligence
    D) Damage to property of others due to the insured's motor vehicle negligence
    (this multiple choice question has been scrambled)
  17. All of the following are considered insureds under the P.A.P. EXCEPT:
    A) Any person using an auto not owned by the insured
    B) Any person using the insured auto
    C) A family member using the insured auto
    D) Any organizations the insured represents
    A) Any person using an auto not owned by the insured.
    (this multiple choice question has been scrambled)
  18. An auto liability policy with split limits of 15/30/5 would pay what maximum amount in the event of a covered bodily injury loss to 3 people?
    A) $15,000
    B) $5,00
    C) $45,000
    D) $30,000
    D) $30,000 (no more than $15,000 per person)
    (this multiple choice question has been scrambled)
  19. An auto liability policy with split limits of 10/20/5 would pay how much in the event of a $10,000 loss to the other person's damaged vehicle.
    A) $0
    B) $10,000
    C) $5,000
    D) $20,000
    C) $5,000
    (this multiple choice question has been scrambled)
  20. An auto liability policy with a single limit of $30,000 would pay which of the following amounts in the event of a $10,000 loss to the insured vehicle and a $25,000 bodily injury settlement to a third party?
    A) $35,000
    B) $10,000
    C) $30,000
    D) $25,000
    D) $25,000 (not concerned about damage to insured's vehicle, but rather the coverage that applies under the liability portion of the P.A.P.)
    (this multiple choice question has been scrambled)
  21. Under the P.A.P., a covered auto includes all of the following EXCEPT:
    A) Non-owned auto
    B) An owned trailer
    C) Private passenger auto listed in the Declarations
    D) Temporary substitute
    A) Non-owned auto (PAP is excess coverage on a non-owned vehicle)
    (this multiple choice question has been scrambled)
  22. Leased vehicles can be covered under the P.A.P. of they are leased for a minimum of :
    A) 6 consecutive months
    B) 1 year
    C) 30 consecutive days
    D) 60 consecutive days
    A) 6 consecutive months
    (this multiple choice question has been scrambled)
  23. A deer crashes into the side of the insured's car. Which of the following P.A.P. coverages would cover this damage?
    A) Collision
    B) Uninsured motorist property damage
    C) Comprehensive
    D) Proper damage liability
    C) Comprehensive
    (this multiple choice question has been scrambled)
  24. Which of the following would be covered under a P.A.P.?
    A) A truck the insured rented that is over 10,000 gross vehicle weight
    B) A motorcycle
    C) A large rented motor home
    D) A three wheeled vehicle used in a medical emergency
    D) A three wheeled vehicle used in a medical emergency (PAP makes exceptions for a vehicle with less than 4 wheels for a medical emergency)
    (this multiple choice question has been scrambled)
  25. An uninsured motorist vehicle under the Personal Auto Policy includes all of the following EXCEPT:
    A) A vehicle to which no liability bond or insurance policy provides coverage at the time of the accident
    B) A vehicle newly aquired by the named insured
    C) A vehicle insured by the company that is insolvent
    D) Hit and run vehicles whose driver cannot be identified
    B) A vehicle newly aquired by the named insured
    (this multiple choice question has been scrambled)
  26. What is the limit for damage to a non-owned trailer under the personal auto policy?
    A) $1,500
    B) $2,000
    C) $500
    D) $1,000
    A) $1,500
    (this multiple choice question has been scrambled)

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