Personal Auto PolicyPregunta 396 de 474
Uninsured motorists coverage pays the insured only when the other driver is:
a.Legally liable for the injuries, and carries no liability insurance
b.Uninsured, whether or not the accident was that driver's fault
c.Insured for less than the damages the insured actually suffered
d.Uninsured and also charged by the police for the collision
Explicación
Part C pays the compensatory damages an insured is legally entitled to recover from the owner or operator of an uninsured motor vehicle, so negligence still has to be established even though the insured collects from his own insurer. Dropping the fault requirement would describe a no-fault coverage, which Part C is not. A driver whose limits are simply too low is the underinsured situation, offered as a separate option in most states.
Practica las 474 preguntas gratis — sin registro.
Own the complete Personal Lines Insurance Producer guide — PDF + EPUB, $19.99 →
Preguntas relacionadas de este tema
- 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:
- Part B medical payments coverage of the personal auto policy pays for:
- How does Part B medical payments coverage differ from Part A liability coverage?
- A hit-and-run driver who is never identified injures an insured, whose damages come to $70,000. The insured carries 50/100 uninsured motorists limits. Part C pays:
- The difference between uninsured and underinsured motorists coverage is that underinsured coverage responds when the other driver:
- Under Part D of a personal auto policy, a collision loss is damage to the covered auto caused by:
Última revisión: · proceso editorial
Equipo de PrepPass · Verificado con California Personal Lines Insurance License Exam · Cómo revisamos