Personal Auto Policy第 392 / 474 题
An insured drives into another state whose law requires higher liability limits than the policy carries. The out-of-state coverage provision:
a.Keeps the lower limit, since the declarations control the limit
b.Suspends liability coverage until the insured returns home
c.Requires the insured to buy a separate policy for that trip
d.Raises the policy to the higher limit that the other law requires
解析
The out-of-state provision interprets the policy to provide at least the minimum amounts and types of coverage the other jurisdiction demands of a nonresident, so the insured is not left short while travelling. It is an automatic adjustment written into Part A, which is why no separate trip policy is needed. It does not pay twice for the same damages, and coverage is not suspended at the border.
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同考点相关题目
- 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:
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- A teenager takes a neighbor's car without asking and causes an accident. Under the neighbor's personal auto policy, Part A liability:
- A policy carries $5,000 of medical payments per person. In one accident the insured driver incurs $6,500 of bills and two passengers incur $3,000 and $1,200. Part B pays:
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