Personal Auto PolicyCâu 373 / 474
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:
a.Applies only if the son is listed as a driver on the declarations
b.Does not apply, because the son is not the named insured
c.Applies, because a family member is insured while using any auto
d.Does not apply, since the classmate's car is not on the policy
Giải thích
The named insured and family members are insureds for the ownership, maintenance or use of any auto or trailer, not only the vehicles shown on the declarations, so liability follows the resident son into a borrowed car. Family members are insureds by definition and do not have to be listed as drivers. The exclusions still apply, notably one for a vehicle furnished for the son's regular use.
Luyện miễn phí toàn bộ 474 câu hỏi — không cần đăng ký.
Own the complete Personal Lines Insurance Producer guide — PDF + EPUB, $19.99 →
Câu hỏi liên quan cùng chủ đề
- 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:
- 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 friend borrows the insured's covered auto with permission and negligently causes $60,000 of bodily injury. Under Part A, the friend is:
- The duty to defend under Part A of the personal auto policy means the insurer:
- An insured with a $100,000 per-person bodily injury limit is sued, a $100,000 judgment is entered, and the insurer spent $30,000 defending the case. In total the insurer pays:
- A driver with 100/300/50 limits is at fault. One person's injuries are valued at $150,000, a second person's at $80,000, and a car is damaged to the extent of $12,000. Part A pays:
Cập nhật gần nhất: · quy trình kiểm tra
Đội ngũ PrepPass · Đối chiếu với California Personal Lines Insurance License Exam · Quy trình kiểm tra