Personal Auto Policy第 385 / 474 题
An insured borrows a friend's boat trailer, and while it is hitched to the insured's car the trailer is crushed. Under Part A the $9,000 of damage is:
a.Covered up to the property damage limit less the deductible
b.Excluded only if the insured signed a rental contract
c.Covered, because the trailer belongs to somebody else
d.Excluded, as property in the insured's care is not covered
解析
Part A excludes damage to property owned by, transported by, rented to, used by, or in the care of an insured, and a borrowed trailer hitched to the insured's car is squarely in the insured's care. Liability coverage is for damage to other people's property the insured is not looking after; bailee-type exposures need different coverage. The answer applying a deductible also misstates Part A, which has none.
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