Personal Auto Policy第 395 / 474 题
How does Part B medical payments coverage differ from Part A liability coverage?
a.Part B pays only after the insured is held legally liable
b.Part B pays for the damage to the insured's own vehicle
c.Part B pays a claimant's lost wages and pain and suffering
d.Part B pays insured persons regardless of fault
解析
Part B is a small first-party coverage that pays medical and funeral expenses for the insured, family members and passengers whether or not anyone was negligent, while Part A pays third parties only when the insured is legally responsible. Lost wages and pain and suffering are liability damages, so they belong to Part A. Part B is also narrower than health insurance, being limited to accident-related expenses within a per-person limit.
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同考点相关题目
- An insured drives into another state whose law requires higher liability limits than the policy carries. The out-of-state coverage provision:
- 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:
- Part B medical payments coverage of the personal auto policy pays for:
- Uninsured motorists coverage pays the insured only when the other driver is:
- A hit-and-run driver who is never identified injures an insured, whose damages come to $70,000. The insured carries 50/100 uninsured motorists limits. Part C pays:
- The difference between uninsured and underinsured motorists coverage is that underinsured coverage responds when the other driver:
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