Personal Auto PolicyCâu 404 / 474
Vandals scratch the paint and slash the seats of a parked car, causing $1,250 in damage. The auto carries a $250 other-than-collision deductible. The insurer pays:
a.$1,000, as vandalism is other than collision
b.$1,250, because vandalism carries no deductible
c.$750, applying a $500 collision deductible instead
d.Nothing, as vandalism is an excluded peril
Giải thích
Malicious mischief, vandalism and civil commotion are named other-than-collision causes of loss, so the comprehensive deductible applies: $1,250 - $250 = $1,000. Nothing about a deliberate act by a stranger triggers collision, so subtracting a $500 collision deductible for $750 misreads the declarations. Physical damage coverage is not voided because the damage was intentional on the vandal's part.
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 loses control on wet pavement and hits a guardrail, causing $3,400 in damage. The policy shows a $500 collision and a $250 other-than-collision deductible. The insurer pays:
- A rock thrown up by a passing truck cracks the insured's windshield. Under Part D this loss is:
- Rising flood water fills the insured's parked car and ruins it. Under a personal auto policy carrying both physical damage coverages, the loss is:
- Physical damage coverage on a personal auto policy is best described as:
- Repairing the insured's car after an at-fault collision would cost $9,400, but the car's actual cash value is $8,000. With a $500 collision deductible, the insurer pays:
- In one policy year an insured has a $2,000 hail loss and, four months later, a $3,000 collision loss. Deductibles are $250 other than collision and $500 collision. The insurer pays in total:
Cập nhật gần nhất: · quy trình kiểm tra
Đội ngũ PrepPass · Đối chiếu với California Personal Lines Insurance License Exam · Quy trình kiểm tra