Personal Auto InsuranceQuestion 12 of 158
Which coverage in the Personal Auto Policy is a first-party, no-fault coverage that pays reasonable medical expenses for the insured and occupants regardless of who caused the accident?
a.Part A – Liability
b.Part B – Medical Payments
c.Part C – Uninsured Motorist
d.Part D – Collision
Explanation
Part B Medical Payments is a small first-party, no-fault coverage in the PAP that pays reasonable medical expenses incurred by the named insured, family members, and other occupants of the covered auto, regardless of fault. Part A is third-party liability, Part C requires an uninsured at-fault driver, and Part D pays for physical damage to the insured's vehicle.
Law Reference: ISO PAP form (industry standard)Practice all 158 questions free — no signup required.
Related questions on this topic
- Under California's Transportation Network Company (TNC) framework, which best describes 'Period 1'?
- Which statement about the California Low Cost Automobile Insurance Program (CLCA) is TRUE?
- An insured carrying $100,000/$300,000 UIM limits is injured by an at-fault driver carrying only $30,000/$60,000 in liability. The insured's own medical and wage loss exceeds $80,000. Under California UIM, what must occur before the insured can collect from her own UIM?
- Who is automatically included as a named insured on a Personal Auto Policy by definition, even if not separately listed on the declarations page?
- An insured's parked vehicle is broken into overnight; a window is smashed and a laptop is stolen from the back seat. Under the Personal Auto Policy, the broken glass is paid under which coverage?
- Stacking of Uninsured Motorist limits in California is best described as:
Last reviewed: · editorial process
PrepPass Editorial Team · Verified against California Personal Lines Insurance License Exam · How we review