Personal Auto PolicyCâu 371 / 474
The insured's only listed car is in the shop for transmission repairs, so the insured borrows a neighbor's sedan for the week. Under the policy that sedan is:
a.A non-owned auto that the policy treats as entirely uninsured
b.A temporary substitute auto, treated as the insured's covered auto
c.Outside coverage until the insurer endorses it onto the policy
d.Covered only if the neighbor's own policy has already been used up
Giải thích
A temporary substitute is a vehicle the insured does not own, used with permission, while a covered auto is out of normal use because of breakdown, repair, servicing, loss or destruction. A car borrowed while the listed vehicle sits in the shop fits that definition and is a covered auto for the week. No endorsement or notice to the insurer is needed to make the substitution work.
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Câu hỏi liên quan cùng chủ đề
- In the personal auto policy, the words "you" and "your" refer to:
- Under the personal auto policy, a "family member" is a person who is:
- The insured owns a utility trailer that is towed by the van listed on the policy. Under Part A of the personal auto policy, the trailer is:
- A friend borrows the insured's covered auto with permission and negligently causes $60,000 of bodily injury. Under Part A, the friend is:
- A resident son borrows a classmate's car with permission and injures a cyclist. Under his parent's personal auto policy, Part A liability coverage:
- The duty to defend under Part A of the personal auto policy means the insurer:
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