Dwelling Policy (DP)Câu 284 / 474
A neighbor's car skids off the road into a dwelling insured on a basic form with extended coverage. The damage is:
a.Excluded, since vehicle damage requires an auto policy
b.Covered, because vehicles is one of the basic form perils
c.Excluded, unless the driver's own insurer denies the claim
d.Covered, because vehicles is an extended coverage peril
Giải thích
Vehicles sits in the extended coverage group along with windstorm or hail, explosion, riot, aircraft, smoke, and volcanic eruption, so the endorsed basic form pays for the struck building. The property claim does not wait on the driver's auto insurer, though the dwelling carrier may pursue subrogation against the neighbor afterward.
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Câu hỏi liên quan cùng chủ đề
- Burglars force a door on a dwelling insured on an unendorsed broad form and carry off a television. The policy pays for:
- A visitor slips on the steps of a rented dwelling and sues the owner. An unendorsed dwelling policy:
- A tenant renting a house may use a dwelling policy to insure:
- A landlord insuring a rented house wants the building, the appliances she supplies, and her rental income protected. She needs:
- A dwelling in which the owner runs a small insurance office is:
- A dwelling policy is written on a house that is still being built. Under the standard forms, that building is:
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