Personal Auto PolicyCâu 389 / 474
The insured buys a motorcycle and rides it without adding it to the personal auto policy. If the insured injures someone while riding, Part A:
a.Responds up to the bodily injury per-person limit that is shown
b.Responds in full, because the rider is still the named insured
c.Does not respond, as vehicles under four wheels are excluded
d.Does not respond until the rider reports the motorcycle
Giải thích
Part A excludes liability arising out of the ownership, maintenance or use of a vehicle having fewer than four wheels, so a motorcycle or moped needs its own policy or an endorsement drafted for it. Being the named insured does not help, because the exclusion is written around the vehicle rather than the driver. Reporting the bike to the insurer would not cure it either, since the policy simply is not built for two wheels.
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Câu hỏi liên quan cùng chủ đề
- An insured's employee is injured while occupying the insured's covered auto during work, and workers compensation benefits are payable. Part A liability:
- An insured signs up to deliver restaurant orders for pay and causes $18,000 of damage while on a delivery run. Part A liability coverage:
- A mechanic test-drives a customer's car after a repair and rear-ends another vehicle. The mechanic's own personal auto policy:
- An employer supplies a car for the insured's regular use and it is not listed on the insured's personal auto policy. When the insured causes a $40,000 loss in it, Part A:
- A teenager takes a neighbor's car without asking and causes an accident. Under the neighbor's personal auto policy, Part A liability:
- An insured drives into another state whose law requires higher liability limits than the policy carries. The out-of-state coverage provision:
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