Personal Auto PolicyQuestion 391 of 531
An insured backs his covered auto through the door of the garage attached to his own house, causing $6,000 of damage. Part A property damage coverage:
a.Pays the $6,000 as damage done to another party
b.Pays after the homeowners deductible is applied
c.Does not pay for property the insured owns himself
d.Pays half of it, since the insured is only a part owner
Explanation
Liability coverage answers for damage to the property of others, and Part A specifically excludes property damage to property owned by or being transported by the insured. The garage belongs to the insured, so the loss belongs to his homeowners policy rather than to his auto liability limit. Treating it as third-party damage misses that a person cannot be liable to himself.
This topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
Practice all 531 questions free — no signup required.
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
Related questions on this topic
- The insurer appeals a judgment entered against its insured and an appeal bond has to be posted. Under the supplementary payments the insurer pays:
- At the insurer's request an insured attends three days of hearings and loses $150 of pay on each of those days. The supplementary payments pay her:
- Following a covered accident, the insured is required to post a bail bond of $180. Under the supplementary payments the insurer pays:
- An insured drives passengers for a ride-hailing app and causes $22,000 of bodily injury during a paid trip. Part A liability coverage:
- A resident daughter owns a car titled in her own name that is not listed on her parents' personal auto policy. If she causes an accident in it, the parents' Part A:
- A resident teenager takes the family's listed sedan without asking a parent first and causes an accident. Part A liability coverage:
Last reviewed: · editorial process
PrepPass team · Verified against California Property & Casualty Insurance License Exam · How we review