房屋保险单(HO)第 363 / 531 题
A riding mower used to cut the insured's lawn rolls over a visitor's foot on the property. Section II:
a.excludes it as a motor vehicle claim
b.covers it, the mower servicing the home
c.excludes it unless the mower is registered
d.covers it only up to the Coverage F limit
解析
The motor vehicle exclusion carves out vehicles that are not subject to motor vehicle registration and are used to service an insured's residence, so a lawn tractor mowing the yard stays inside Section II. Treating it as an excluded motor vehicle is the mistake the exception exists to prevent. Personal liability is available as well, so the response is not capped at the medical payments limit.
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