Personal Auto PolicyPregunta 390 de 474
An employer supplies a car for the insured's regular use and it is not listed on the insured's personal auto policy. When the insured causes a $40,000 loss in it, Part A:
a.Applies, because the insured does not own that vehicle
b.Applies as excess over the employer's own auto coverage
c.Does not apply to a vehicle furnished for regular use
d.Does not apply only when the insured drives it to work
Explicación
Part A excludes any vehicle other than a covered auto that is owned by the insured or furnished or available for the insured's regular use, and a company car handed over for everyday driving is the classic example. A genuinely occasional borrowed car is different and is not caught. An extended non-owned coverage endorsement is the usual way to close this gap.
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Preguntas relacionadas de este tema
- An insured signs up to deliver restaurant orders for pay and causes $18,000 of damage while on a delivery run. Part A liability coverage:
- A mechanic test-drives a customer's car after a repair and rear-ends another vehicle. The mechanic's own personal auto policy:
- The insured buys a motorcycle and rides it without adding it to the personal auto policy. If the insured injures someone while riding, Part A:
- A teenager takes a neighbor's car without asking and causes an accident. Under the neighbor's personal auto policy, Part A liability:
- An insured drives into another state whose law requires higher liability limits than the policy carries. The out-of-state coverage provision:
- A policy carries $5,000 of medical payments per person. In one accident the insured driver incurs $6,500 of bills and two passengers incur $3,000 and $1,200. Part B pays:
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