Personal Auto PolicyCâu 413 / 474
The insured borrows a neighbor's car and damages it in a collision costing $3,000. The insured's own two autos carry $250 and $500 collision deductibles. Part D pays:
a.$2,500, using the larger deductible on the schedule
b.Nothing, since a borrowed car is not a covered auto
c.$2,625, averaging the two deductibles on the policy
d.$2,750, using the broadest owned-auto coverage
Giải thích
Coverage for a non-owned auto is the broadest coverage applying to any auto shown in the declarations, so the $250 deductible governs: $3,000 - $250 = $2,750. Choosing the $500 deductible applies the narrower of the two, and averaging deductibles is not a policy provision. Part D does reach a car driven with the owner's permission.
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
- A car is stolen and recovered three days later with $4,300 in damage. The policy shows a $100 other-than-collision deductible and a $1,000 collision deductible. The insurer pays:
- On the standard personal auto form, transportation expenses after a covered physical damage loss are limited to:
- An insured's covered auto is stolen and returned to use 22 days later. On the standard form, transportation expense coverage pays:
- Which vehicle qualifies as a non-owned auto for Part D purposes?
- The transmission on the insured's car fails from age and the repair bill is $3,600. Deductibles are $500 collision and $250 other than collision. Part D pays:
- A pothole shreds a tire on the insured's car. Under Part D the tire itself is:
Cập nhật gần nhất: · quy trình kiểm tra
Đội ngũ PrepPass · Đối chiếu với California Personal Lines Insurance License Exam · Quy trình kiểm tra