Auto InsuranceQuestion 29 of 215
Under Part A of the Personal Auto Policy, the term 'bodily injury' includes which of the following damages a plaintiff may recover?
a.Only emergency room expenses
b.Only lost wages
c.Only pain and suffering
d.Medical expenses, lost wages, pain and suffering, and similar non-economic losses arising out of physical harm, sickness, or disease, including death
Explanation
Part A defines 'bodily injury' as bodily harm, sickness or disease, including death resulting from any of these. Once that physical injury has occurred, damages flowing from it — past and future medical expenses, lost wages, loss of earning capacity, pain and suffering, emotional distress, and other non-economic damages — are all recoverable up to the policy's BI limits. Pure economic loss without physical injury is generally not 'bodily injury'.
Law Reference: ISO PAP, Part A definition of 'bodily injury'Practice all 215 questions free — no signup required.
Related questions on this topic
- Which of the following losses is specifically EXCLUDED under Part A Liability of the Personal Auto Policy?
- California Underinsured Motorist (UIM) coverage applies when:
- An insured drives her covered Honda to a dealer to test-drive a new SUV. While on the test drive she damages the SUV in a collision. Under the Personal Auto Policy, the SUV is best treated as:
- Following a covered collision repair, a California insured argues that her car is now worth less on resale than before the accident because of its accident history. With respect to first-party diminished value (the loss of resale value) claimed against the insured's own physical damage carrier, California generally:
- California considers a vehicle to be a 'total loss salvage vehicle' for title-branding purposes when:
- Which statement comparing the ISO Personal Auto Policy (PAP) and the Business Auto Coverage Form (BACF) is MOST accurate?
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