CIC Personal Lines - Auto Questions With 100% Correct Answers.

Eligible Vehicles - Owned or Leased for 6 months or longer by: a) Individual (and spouse) b) Related Residents (other than spouse) c) Non-Related Residents d) Non-Resident Relatives Private Passenger Vehicles a) 4 wheels b) Not for public/livery conveyance c) Not rented to others Pickups/Vans if: a) Weight < 10,000 lbs b) Not used for delivery/transportation of goods Policy Format - A - Liability B - Medical Payments C - Uninsured Motorists D - Coverage for Damage to Your Auto How long does and Unnamed NonResident Spouse have coverage? - Until the earliest of: a. 90 Days following spouse's change of residency b. Effective date of a new policy for the spouse c. End of policy period Define "Your Covered Auto" - 1. Any Vehicle on Declarations2. A Newly Acquired Auto 3. Any Trailer you own 4. Temporary Substitute - Only if because normal auto can't be used - Doesn't give Comp/Col Coverage for a Newly Acquired Auto - Replacement Vehicle: a) Liability, UM, Med Pay until end of Policy Period b) Comp/Col: -14 days if any vehicle on the dec has comp/col -4 days at $500 deductible if no vehicle on dec has comp/col Additional Vehicle: a) Liability, UM, Med Pay for 14 days b) Comp/Col: -14 days if any vehicle on the dec has comp/col -4 days at $500 deductible if no vehicle on dec has comp/col Part A Coverage - Liability: Bodily Injury and Property Damage Who is an Insured for Part A - Liability? - 1. You, Family Member - Using ANY Auto or Trailer 2. Anyone using "Your Covered Auto" 3. Vicarious Liability - Employer, Church, Scouts, etc 4. Organization responsible for acts of Insured - IF they do not own the vehicle - Ex: Driving a borrowed van for kids to field trip (only if school does NOT own van)Supplemental Liability Payments - A. $250 in bail bonds (for accident and traffic violations) B. Premiums on Appeal Bonds C. Post Judgment Interest D. $200 for loss of earnings