个人汽车保险单第 399 / 531 题
An insured's damages are valued at $90,000. The at-fault driver's insurer pays its $25,000 limit. The insured carries $100,000 of underinsured motorists coverage. Part C adds:
a.$25,000, matching what the other insurer paid
b.Nothing, since the other driver did carry insurance
c.$65,000, the damages the other limit left unpaid
d.$100,000, the full underinsured motorists limit
解析
Underinsured motorists coverage, offered as an option in most states, fills the gap between what the at-fault driver's limits pay and the insured's actual damages, up to the underinsured limit. Damages of $90,000 less the $25,000 already recovered leaves $65,000 unpaid, and that sits well inside the $100,000 limit. Coverage is not forfeited merely because the other driver carried some insurance.
免费刷完整 531 道题库 — 无需注册。
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
同考点相关题目
- A policy shows $10,000 of medical payments per person. In one crash the insured driver incurs $12,500 of medical bills and a passenger incurs $4,000. Part B pays:
- Under an unendorsed personal auto policy, a hit-and-run vehicle counts as an uninsured motor vehicle when:
- An insured injured by an uninsured driver signs a release with that driver for $3,000 without telling her own insurer. Her uninsured motorists claim:
- A driver rounds a bend and drives into a large branch already lying across the road, causing $2,600 of damage. The policy carries a $1,000 collision and a $250 other-than-collision deductible. The insurer pays:
- An insured's car is destroyed in a collision. Its actual cash value is $6,400, the collision deductible is $500, and the wreck still has scrap value. The insurer:
- After a covered collision an insured's only car sits in the shop for 40 days while she rents a car at $25 a day. On the standard form, transportation expenses are reimbursed as:
最近核对： · 审核流程
PrepPass 团队 · 依据官方资料核对 California Property & Casualty Insurance License Exam · 我们如何核对