Póliza de Propietarios (HO)Pregunta 358 de 531
An insured negligently starts a fire that burns down his own detached garage. Section II of the homeowners policy:
a.pays half, the insured sharing the fault
b.pays under damage to property of others
c.does not respond to the insured's property
d.pays the garage under personal liability
Explicación
Personal liability covers damages the insured owes to somebody else; property owned by an insured sits outside it, however careless the insured was. The garage is a Section I matter, paid under the other structures limit subject to the property deductible. The additional coverage for damage to property of others is confined to property belonging to people other than an insured.
Practica las 531 preguntas gratis — sin registro.
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
Preguntas relacionadas de este tema
- A dwelling insured at $320,000 met the 80% test when written, but replacement cost has since risen to $450,000. At the next loss the form:
- A ten-year-old television costs $1,000 to replace and has an actual cash value of $300. With a personal property replacement cost endorsement, the claim settles at:
- A policy carries a $1,000 Section I deductible. A visitor's $800 of medical bills is presented under Coverage F. The insurer pays:
- A $100,000 Coverage E limit is paid out in full to settle one suit while a second claim from the same occurrence is pending. The insurer's duty to defend:
- The insured's dog bites a jogger in a public park, and the jogger runs up $700 of medical bills. Coverage F:
- Coverage F pays reasonable medical expenses for an injured person provided the expenses are:
Última revisión: · proceso editorial
Equipo de PrepPass · Verificado con California Property & Casualty Insurance License Exam · Cómo revisamos