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A resident daughter owns a car titled in her own name that is not listed on her parents' personal auto policy. If she causes an accident in it, the parents' Part A:
a.Pays as excess over her own liability coverage
b.Pays, because she meets the family member test
c.Pays up to the property damage limit of the policy
d.Excludes a car furnished for her regular use
Giải thích
Part A excludes vehicles other than a covered auto that are owned by or furnished for the regular use of a family member, so the daughter's own car has to carry its own policy. There is an exception that runs the other way: if a parent who is the named insured drives that car, the parents' liability coverage does respond. Being a family member does not pull an unlisted owned vehicle onto the policy.
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Câu hỏi liên quan cùng chủ đề
- Following a covered accident, the insured is required to post a bail bond of $180. Under the supplementary payments the insurer pays:
- An insured backs his covered auto through the door of the garage attached to his own house, causing $6,000 of damage. Part A property damage coverage:
- An insured drives passengers for a ride-hailing app and causes $22,000 of bodily injury during a paid trip. Part A liability coverage:
- A resident teenager takes the family's listed sedan without asking a parent first and causes an accident. Part A liability coverage:
- Part B medical payments coverage on a personal auto policy applies to a neighbor who is:
- A policy shows $10,000 of medical payments per person. In one crash the insured driver incurs $12,500 of medical bills and a passenger incurs $4,000. Part B pays:
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