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AUTO INSURANCE EXAM QUESTIONS AND ANSWERS 100% PASS

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  • AUTO INSURANCE

AUTO INSURANCE EXAM QUESTIONS AND ANSWERS 100% PASS OWned Autos - Eligible vehicles titles by the insured or aquiered during the policy period Non Owned Autos - Any private passenger auto, pickup van or trailer operated by or in the custody of the named insured or family member, but are not tit...

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  • December 22, 2024
  • 8
  • 2024/2025
  • Exam (elaborations)
  • Questions & answers
  • AUTO INSURANCE
  • AUTO INSURANCE
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KatelynWhitman
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AUTO INSURANCE EXAM QUESTIONS AND
ANSWERS 100% PASS


OWned Autos - ✔✔Eligible vehicles titles by the insured or aquiered during the policy period


Non Owned Autos - ✔✔Any private passenger auto, pickup van or trailer operated by or in the custody

of the named insured or family member, but are not titled by or furnished for regular use of the insured.


Hired Autos - ✔✔Leased hires, rented or borrowed from someone other than an employee or partner


Liability coverage protects the insured against loss arising from legal liability when an aouto that the

insured owns, operates or maintains is involved in an accident - ✔✔*Bodily injury and Property damage

due to an accident


*Defense cost as long as the policy covers a particular loss


*Costs for settling or defending the insured as deemed appropriate


An insured is the person named in an insurance policy that is protected under the contract and to whom

the insurer pay benefits or provide services - ✔✔....


Bodily Injury per person/ ALL bodily injuries/property damage per accident - ✔✔25/50/20


Split limit coverage uses 3 dollar amounts - ✔✔Bodily injury per person/ALL bodily injury/property

damage per accident


Combined Single Limit - ✔✔Uses one dollar amount indicating the max coverage for all losses regardless




Created by Katelyn Whitman © 2025, All Rights Reserved.

, 2|Page


Out of State Coverage - ✔✔If a covered auto is involved in an auto accident that occurs in any state or

canadian providence other that then one in which th auto is principally garaged, the out of state coverage

will apply.


Personal Auto Policy (PAP)


Purpose


Definitions


Types of Autos - ✔✔insurance policy for owners of private passenger vehicles-


Part A - Liability Coverage


Part B- Medical Payments COverage


Part C - Uninsured Motorist Coverage


Part D - COverage for Damage to your Auto


Part E - Duties after an accident or loss


Part F - General Provisions


PAP contains insuring agreement, exclusions and limits of liability - ✔✔Legal liability, injury to the

insured or members of the insureds family, damage to or loss of the auto itself


Bodily injury - ✔✔Means bodily harm, sickness or disease including death that results from the injury


Property Damage - ✔✔Physical injury destruction or loss of use of tangible property


Collision - ✔✔the upset or impact of a covered vehicle or non-owned auto with another vehicle or object


Other than collision - ✔✔includes losses caused by the; missiles or falling objects fire, theft, or larceny,

windstorm,hail,water, or flood vandalism or malicious mischief, riot or civil commotion, contact with

birds or animals and breakage of glass


Created by Katelyn Whitman © 2025, All Rights Reserved.

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