Personal Auto PolicyCâu 416 / 474
A pothole shreds a tire on the insured's car. Under Part D the tire itself is:
a.Covered in full, since tires are permanently attached
b.Covered as an other-than-collision road hazard loss
c.Excluded, as road damage to tires is not covered
d.Covered as a collision loss above the deductible
Giải thích
Road damage to tires sits with wear and tear, freezing and mechanical breakdown in the Part D exclusions, so the tire alone is the owner's expense. If the same pothole bends a wheel and a control arm, that impact damage is a collision loss subject to the deductible, which is why treating the whole claim as a comprehensive road hazard is wrong. The exclusion is lifted when the damage results from a total theft.
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 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:
- 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:
- Damage to the insured's own auto is excluded under Part D while that auto is being used:
- Under an unendorsed personal auto policy, custom furnishings or equipment in a pickup or van are:
- An insured who has a personal auto policy also drives a company car available for regular use. Liability for that vehicle can be added by:
Cập nhật gần nhất: · quy trình kiểm tra
Đội ngũ PrepPass · Đối chiếu với California Personal Lines Insurance License Exam · Quy trình kiểm tra