意外责任险第 440 / 531 题

An insured must post a $500 bail bond after a covered accident and loses three days of work attending the trial at the insurer's request. Under the standard general liability supplementary payments, the insurer pays:

a.$250 toward the bond and no lost earnings
b.the full $500 bond and $750 of lost earnings
c.$250 toward the bond plus $750 of earnings
d.the full $500 bond and no lost earnings

解析

Supplementary payments on a standard general liability policy include the cost of bail bonds up to $250 and reasonable loss of earnings up to $250 a day for time the insured spends helping at the insurer's request. The bond contribution is therefore capped at $250 even though $500 was posted, and three days at $250 a day comes to $750. Paying the whole $500 bond ignores that stated cap, and refusing the earnings ignores the attendance provision.

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