Personal Auto Policy第 388 / 474 题
A mechanic test-drives a customer's car after a repair and rear-ends another vehicle. The mechanic's own personal auto policy:
a.Covers it up to the property damage limit per accident
b.Covers it, since the mechanic had permission to drive
c.Excludes it only if the mechanic owns the repair shop
d.Excludes the loss under the auto business exclusion
解析
Part A excludes liability arising out of employment or other use in the auto business, which the policy describes as selling, repairing, servicing, storing or parking vehicles. A test drive after a repair is business use, and a garage policy rather than a personal auto policy is written for it. Having the customer's permission does not matter, and neither does whether the mechanic owns the shop.
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同考点相关题目
- 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:
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- An insured signs up to deliver restaurant orders for pay and causes $18,000 of damage while on a delivery run. Part A liability coverage:
- The insured buys a motorcycle and rides it without adding it to the personal auto policy. If the insured injures someone while riding, Part A:
- An employer supplies a car for the insured's regular use and it is not listed on the insured's personal auto policy. When the insured causes a $40,000 loss in it, Part A:
- A teenager takes a neighbor's car without asking and causes an accident. Under the neighbor's personal auto policy, Part A liability:
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