Personal Auto PolicyCâu 391 / 474
A teenager takes a neighbor's car without asking and causes an accident. Under the neighbor's personal auto policy, Part A liability:
a.Excludes the driver, who lacked any reasonable belief
b.Covers the driver up to the per-person bodily injury limit shown
c.Excludes the driver only if a police report is filed
d.Covers the driver, since the auto itself is a covered vehicle
Giải thích
Part A excludes any person using a vehicle without a reasonable belief of being entitled to do so, so a driver who takes a car without asking is not an insured under the owner's policy. Coverage on the auto does not convert an unauthorized taker into an insured. Whether anyone calls the police is beside the point; the test is what the driver could reasonably have believed.
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Câu hỏi liên quan cùng chủ đề
- A mechanic test-drives a customer's car after a repair and rear-ends another vehicle. The mechanic's own personal auto policy:
- 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:
- 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:
- An insured drives into another state whose law requires higher liability limits than the policy carries. The out-of-state coverage provision:
- A policy carries $5,000 of medical payments per person. In one accident the insured driver incurs $6,500 of bills and two passengers incur $3,000 and $1,200. Part B pays:
- Part B medical payments coverage of the personal auto policy pays for:
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