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Personal Auto

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Licensure Insurance (Quizzes) Quiz sobre Personal Auto, criado por Heather Donaldson em 20-07-2016.
Heather Donaldson
Quiz por Heather Donaldson, atualizado more than 1 year ago
Heather Donaldson
Criado por Heather Donaldson mais de 8 anos atrás
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Resumo de Recurso

Questão 1

Questão
Which of the following qualify to be considered insured for liability coverage under the personal auto policy?
Responda
  • The named insured's resident son while driving a neighbors car
  • The named insured's neighbor while taking the named insured for a drive in the neighbor's car
  • The named insured's father who, while visiting from another state, drives a car the named insured borrows from a neighbor.
  • Desert Sun Co., which provides a company owned car to the named insured.

Questão 2

Questão
Which of the following expresses the meaning of an automobile policy limit of liability specified as 100/300/100?
Responda
  • B.I. Per person/p.d. Per occurrence/p.d. Per person
  • P.d. Per person/p.d. Per occurrence/b.i. Per Person
  • B.i. Per person/p.d. Per person/b.i. Per occurrence
  • B.i. Per person/b.i. Per occurrence/p.d. Per occurrence

Questão 3

Questão
Referring to a personal auto policy, other than collision or OTC provides coverage for which of the following?
Responda
  • Collision
  • Towing and labor costs
  • Loss due to mechanical breakdowns
  • Loss by theft

Questão 4

Questão
All of the following would be considered other than collision losses under the personal auto policy EXCEPT:
Responda
  • Collision with another car
  • Contact with a deer
  • Loss caused by a falling object
  • Vandalism

Questão 5

Questão
All of the following are eligible for coverage under the uninsured motorists coverage of the personal auto policy EXCEPT:
Responda
  • An accident with a motorist who had less liability insurance than required by financial responsibility laws.
  • An accident in which a hit-and-run driver hits the insured's covered auto.
  • An accident with a driver who carries the minimum liability limits required by law, but whose insurance is not adequate to cover the damages.
  • An accident with an insured driver whose insurance company declines coverage.

Questão 6

Questão
The damage to your auto section of the personal auto policy excludes:
Responda
  • Theft of the automobile
  • Ice damage
  • Mechanical breakdown
  • Fire damage

Questão 7

Questão
An insured has a personal auto policy with all cars insured by one company. The insured sells one of the cars and buys a new one to replace it. What must the insured do to establish liability coverage for the new vehicle?
Responda
  • Notify the company within 40 days.
  • Contact the insurance company to have a new policy issued.
  • Nothing. Coverage is automatic.
  • Pay the additional premium due for the replacement car within 60 days.

Questão 8

Questão
Which of the following is not a factor in determining the liability premium for a personal auto policy?
Responda
  • Make and model year of the vehicle.
  • Age and marital status of the driver
  • Territory of garage
  • Use of the car for personal or business.

Questão 9

Questão
An insured has a personal auto policy with a liability coverage of $300,000 per occurrence. The insured causes an auto accident which results in $150,000 bodily injury to the other driver, $200,000 to a passenger, and $8,000 property damage to their car. To what extent would the insured's liability cover these losses?
Responda
  • $300,000
  • $150,000
  • $450,000
  • $8,000

Questão 10

Questão
The common method for complying with automobile financial responsibility laws is:
Responda
  • Auto insurance policy
  • Self-insurance
  • A bank bond
  • Homeowners insurance

Questão 11

Questão
On which of these may cancellation of an automobile policy by the insurer be based?
Responda
  • The age of the insured - IE: turning 75 years old.
  • The failure of the insured to give written notice to the insurer of an accident within 15 days in which he was at fault.
  • Suspension of the drivers license of a person who is insured under the policy and who usually drives the insured automobile.
  • All of the above.

Questão 12

Questão
What is not covered under the physical damage section of an auto policy?
Responda
  • Hood ornament
  • Radio permanently installed in the dash
  • Lap top computer stolen from the car which was parked on the street.
  • Breakage of glass

Questão 13

Questão
What is not covered under OTC of a personal auto policy?
Responda
  • Hood ornament
  • Theft of necktie and briefcase from the car left at airport.
  • Radio installed in the dash.
  • Spare tire.

Questão 14

Questão
An insured has an HO policy and a personal auto policy. He just bought a 40" TV from electronic city and while driving home, he is in an accident and the TV is destroyed. The TV will be covered by his auto policy.
Responda
  • True
  • False

Questão 15

Questão
An insured has a HO policy and a personal auto policy. He just bought a 40" TV from electronic city and while driving home, he is in an accident and the TV is destroyed. How may the TV be covered?
Responda
  • Auto policy
  • Homeowner's policy
  • Liability policy
  • Not covered

Questão 16

Questão
The best definition of collision?
Responda
  • Two cars collide on a public highway.
  • A car collides with any object.
  • A car collides with an object, or upset of car.
  • A car collides with a moving object.

Questão 17

Questão
If the insured is in an accident in a state which has higher limits, what will the insured's company do?
Responda
  • Refuse to pay the claim
  • Pay the claim, but only after the insured pays a retroactive premium.
  • Pay up to the limits of the insured's policy.
  • Will meet the minimum requirements of any other state with no additional premium due.

Questão 18

Questão
In a personal auto policy, supplemental payments include:
Responda
  • Cost of defense in excess of liability coverage.
  • Up to $250 for the cost of bail bonds.
  • Costs incurred because of attendance at hearings or trials at the company's request.
  • All of the above.

Questão 19

Questão
What is covered under collision in personal auto policy?
Responda
  • Insured locks his keys in the car and breaks a window to get in the car.
  • Veterinarian bills for a stray dog hit by the insured.
  • Intentional damage done by the insured.
  • None of the above.

Questão 20

Questão
All are uninsured motorists except:
Responda
  • A hit and run driver who cannot be identified.
  • A car insured by a bonding company or insurance company, the company being insolvent.
  • A vehicle self-insured by a government agency.
  • A vehicle that is not covered by an insurance policy.

Questão 21

Questão
In settling a claim for an auto under a personal auto policy, the insurer can repair, replace with like kind and quality, or:
Responda
  • Provide replacement cost
  • Provide actual cash value
  • Provide replacement cost plus depreciation
  • Provide replacement cost with no depreciation.

Questão 22

Questão
The insured has a personal auto policy (PAP) with medical payments of $1000. Which of the following is an incorrect statement:
Responda
  • The insured drives a neighbor's child to school and is in an accident. Both are covered for a total of $1000 of medical payments.
  • The insured's son is hit by a car while walking to school and is covered for $1000 of medical expenses.
  • The insured is hurt while driving with a neighbor who does not have medical payments. The insureds medical payment will cover him.
  • The insured slams his daughter's hand in the car door and the injury is covered.

Questão 23

Questão
Under a personal auto policy, where would the insured have coverage?
Responda
  • Tokyo, Japan
  • London, England
  • Montreal, Canada
  • Mexico City, Mexico

Questão 24

Questão
The insured has a personal auto policy with bodily injury limits of 25/50. There were three injured parties in the other car with medical bills of (1) $30,000, (2) $9,000, and (3) $8,000. How much will the liability policy pay?
Responda
  • $47,000
  • $42,000
  • $50,000
  • Nothing

Questão 25

Questão
Mike has a personal auto policy. Which of the following would be covered by his policy with additional premium and endorsement attached?
Responda
  • Mike's use of a temporary substitute vehicle while his own car is being repaired.
  • Mike pulls a row boat on a trailer behind his car.
  • Mike's use of an unowned company car which is provided for his regular use.
  • Mike trades in his car and, while driving home in his new car, he is in an accident.

Questão 26

Questão
Janet has a personal auto policy. Which of the following would not be covered by her policy without an additional premium and an endorsement attached?
Responda
  • Janet's use of a temporary substitute vehicle while her own car is being repaired.
  • Janet pulls a rowboat on a trailer behind her car and the trailer breaks loose causing damage.
  • Janet runs over a mailbox while using an unowned company car that is provided for her regular use.
  • Janet trades in her car and, while driving home in her new car, she is in an accident.

Questão 27

Questão
An insured has collision coverage. In which of the following cases would he be covered?
Responda
  • The vehicle is washed away in a flood.
  • A tree fell in the street two hours earlier due to a storm. The insured hit it and caused damage to the car.
  • The insured hit a pothole and damaged the car.
  • A rock flew off a truck and broke the insured's windshield.

Questão 28

Questão
A personal auto insured wants to add his motorcycle to his personal auto policy (PAP) by endorsement. Why is the endorsement needed?
Responda
  • The PAP does not cover vehicles with two wheels.
  • The insured cannot add his motorcycle by endorsement.
  • Motorcycles need an endorsement as they are dangerous to drive.
  • The insured has been driving only for two years.

Questão 29

Questão
Other than collision of a personal auto policy would cover:
Responda
  • Hood ornament
  • Radio that is installed in the dash.
  • Spare tire in the trunk.
  • All of the above.

Questão 30

Questão
In determining rates to charge for auto insurance, a company may use the following three factorzs plus other factors approved by the commissioner: 1. Driving experience 2. Driving record 3. Annual mileage
Responda
  • True
  • False

Questão 31

Questão
Art has a homeowner's policy. He does not own a car. He is planning on taking a trip and renting a car. Sometimes he borrows his friends' car. What would you suggest be added to a personal auto policy to cover his needs?
Responda
  • Named non-owner
  • Extended non-owner
  • Miscellaneous vehicle endorsement
  • Special vehicle endorsement

Questão 32

Questão
If the insured has auto insurance and he borrows a car on which there is auto insurance and he is in an accident, what is true?
Responda
  • Both policies apply but the insured's insurance in primary.
  • Both policies apply but the owner of the car's insurance is primary.
  • The insured's policy will pay the claim.
  • The owner of the czar's policy will pay the claim.

Questão 33

Questão
Under the OTC, what is the limit for transportation expense incurred by the insured in the event of the total theft of the insured's covered auto?
Responda
  • Coverage pays up to $20 a day to a max of $600.
  • Coverage pays up to $30 a day to a max of $450.
  • Coverage pays up to $15 a day to a max of $1000.
  • Policy will pay nothing.

Questão 34

Questão
An insured woman has collision, OTC, and liability protection on her auto policy. She borrows an auto on which the owner carries only liability coverage. She is in an at fault accident. How will the claim be settled?
Responda
  • The auto owner's liability is primary; no collision coverage applies.
  • The insured woman's liability is primary; no collision coverage applies.
  • The auto owner's liability is primary; the insured woman's collision coverage will cover the borrowed car.
  • The insured woman's liability insurance is primary and her collision coverage will cover the borrowed car.

Questão 35

Questão
A personal automobile policy with Mexican liability endorsement will cover:
Responda
  • A driver anywhere in Mexico.
  • A person living within 25 miles of the Mexican boarder.
  • A Mexican national while driving in the U.S.
  • An American while driving up to 25 miles into Mexico.

Questão 36

Questão
A non-owned auto is covered on a PAP.
Responda
  • If it is leased
  • If it is for regular use
  • If it is borrowed from a friend without permission
  • All of the above

Questão 37

Questão
Damage to an automobile caused by an earthquake is covered under:
Responda
  • Collision
  • Other than collision
  • Supplementary coverages
  • None of the above

Questão 38

Questão
Damage caused to an auto by an earthquake is part of the OTC coverage in a personal auto policy
Responda
  • True
  • False

Questão 39

Questão
Under the other than collision coverage, which of the following would be covered:
Responda
  • The insured does property damage to another car
  • The insured injures another person
  • The tires are stolen from the insured's car
  • Collision damage to the insured's car

Questão 40

Questão
The insured's car is stolen. The thief totaled the car. What would provide coverage for the insured?
Responda
  • Other than collision
  • Collision
  • Property damage
  • None of the above

Questão 41

Questão
The owner of the car carried liability, medical payments, and other than collision. Her insurance will cover theft of the car.
Responda
  • True
  • False

Questão 42

Questão
If an individual drives his auto over broken glass and has a blowout, coverage would be provided by:
Responda
  • Collision
  • Other than collision
  • Physical damage
  • None of the above

Questão 43

Questão
The insured's unoccupied auto coasts down a hill and strikes a stop sign. How would damage to the car be covered, if at all?
Responda
  • By the insured's liability policy
  • By the insured's physical damage policy
  • By the insured's underinsured motorists policy
  • By the state guarantee insurance fund.

Questão 44

Questão
How will damage to the sign by covered?
Responda
  • By the insured's liability policy
  • By the insured's physical damage policy
  • By the insured's underinsured motorists policy
  • By the state guarantee insurance fund.

Questão 45

Questão
Which is an uninsured motorist?
Responda
  • Hit and run driver
  • Car insured by an insolvent company
  • A driver with no insurance or bond
  • All of the above

Questão 46

Questão
The insured purchased a motorcycle and needs to insure it. How may the insurance cover the motorcycle on a personal auto policy?
Responda
  • Miscellaneous vehicle endorsement
  • Special motorcycle endorsement
  • Cannot be endorsed on a personal auto policy

Questão 47

Questão
Which of these would be a covered auto under a personal auto policy?
Responda
  • Motorcycle
  • Trailer
  • Mobile Home
  • Tractor-trailer

Questão 48

Questão
Bob purchases auto insurance. He has never been in an accident. He told the insurance company he had a ticket 36 months ago. Shortly afterward, Bob's car was stolen. The company will pay the claim and continue Bob's insurance in force because:
Responda
  • The misrepresentation was immaterial, and the company would have issued the insurance to Bob.
  • Misrepresentations are o.k. in the eyes of the law if they are unintentional.
  • The company would have needed to discover the mistake prior to the loss in order not to cover the loss.
  • None of the above.

Questão 49

Questão
Bob purchased auto insurance. He never has been in an accident. He told the insurance company that he had a ticket 36 months ago. It was actually 34 months ago but Bob believed it to be 36 months ago. Shortly afterward, Bob's car got stolen. The company will pay the claim and continue Bob's insurance in force because:
Responda
  • The concealment was not material.
  • The concealment was not intentional.
  • The concealment would have to be discovered by the company before the loss occurred.
  • The loss would have to be paid by the insurance as a covered loss.

Questão 50

Questão
Which of the following is true in regard to auto insurance?
Responda
  • If an insurer is not going to renew a policy, it would have to give 30 days notice to the insured.
  • An insurer must give 10 days notice to the insured to cancel an auto policy for non-payment of premiums.
  • If a company wants to cancel a policy, it must give 20 days notice.
  • All of the above.

Questão 51

Questão
A company can cancel an automobile policy for all reasons except non-payment of premium, with how many days notice?
Responda
  • 5 days
  • 10 days
  • 20 days
  • 30 days

Questão 52

Questão
The insured's auto is damaged. The insurer:
Responda
  • May offer a cash settlement
  • Pay to have the damage repaired
  • Replace the damage with like kind and like quality
  • All of the above

Questão 53

Questão
CAARP can cover the minimum liability limits of:
Responda
  • 5/30/15
  • 15/30/5
  • 45/15/10
  • 10/25/30

Questão 54

Questão
In automobile insurance, what is meant by other than collision coverage?
Responda
  • As the name implies, it is all inclusive. It combines property damage, bodily injury liability, property damage liability, and medical payments and collision.
  • It covers any direct or accidental loss of, or damage to, the insured's automobile, except collision.
  • It covers all aspects of physical damage to the insured automobile such as fire, theft, collision, or theft.
  • It insures against direct and accidental losses.

Questão 55

Questão
Which of the following would be covered under OTC?
Responda
  • Impact with another vehicle.
  • Collision with a pole.
  • Driver lost control of car on a curve due to an ice storm and upset the vehicle.
  • None of the above.

Questão 56

Questão
Kelly has liability cover on her auto. Which of the following would not be covered by her liability policy?
Responda
  • Kelly's neighbor who is using her car with Kelly's permission.
  • Kelly's husband who has borrowed the neighbor's pick up truck.
  • Kelly when borrowing a friend's car.
  • Kelly's neighbors son who is joy riding in Kelly's car.

Questão 57

Questão
Which of the following would be covered under collision?
Responda
  • The car windshield is broken by a rock kicked up by a passing truck.
  • Veterinary bills for a stray dog that the insured accidentally hit.
  • The insured locks his keys in his car and breaks a window to get inside.
  • None of the above

Questão 58

Questão
What is covered under physical damage of a personal auto policy?
Responda
  • Earthquake
  • Flood
  • Violent windstorm blows a sign off a building and it hits the car causing damage
  • All of the above.

Questão 59

Questão
Mary's car was stolen and she had to rent a car for two months until her car was replaced. How much of her rental expense will be covered by her insurance?
Responda
  • All her rental expense will be covered if she has purchased extra transportation expense.
  • None of it will be covered
  • It will be covered up to the limits stated in her policy.
  • It will be covered for one month only

Questão 60

Questão
In settling a claim under a personal auto policy, the company may replace the car with one of like kind and like quality.
Responda
  • True
  • False

Questão 61

Questão
The insured has a $500 deductible on collision and a $50 deductible on OTC. She runs off the road and hits a light post doing $550 damage to her car. How much will she receive from the insurance company?
Responda
  • $50
  • $250
  • $450
  • $500

Questão 62

Questão
Automobile liability policies issued in California include coverage to protect against uninsured motorists. The coverage:
Responda
  • May not be decline by the insured.
  • Is included in the policy, but is not effective unless the policy is so endorsed and an additional premium is paid.
  • Must be included in the policy, but can be waived by supplemental agreement between the insurer and the insured.
  • Is optional and automatically included when the limit of liability for bodily injury is increased.

Questão 63

Questão
All are covered under a personal auto policy except:
Responda
  • Private passenger vehicle
  • One-half ton pick up truck used on a farm.
  • Two-ton van used in part-time business.
  • Trailer.

Questão 64

Questão
Under a personal auto policy, towing and labor expenses:
Responda
  • Are never paid
  • Paid if endorsed onto the policy for an additional premium
  • Automatically included in all policies
  • Automatically endorsed onto the policy for an additional premium

Questão 65

Questão
Damage to a rental car used on a temporary basis under a personal auto policy would be covered under:
Responda
  • Liability section
  • Miscellaneous vehicle endorsement
  • Not covered
  • Physical damage

Questão 66

Questão
The insured has $100,000 worth of underinsured motorists protection. Another operator of an auto who carries $50,000 in liability insurance strikes the insured, causing $100,000 in in juries. What will the insured's company pay?
Responda
  • $30,000
  • $50,000
  • $100,000
  • None of the above

Questão 67

Questão
If you cannot purchase auto insurance in the normal market place, you may purchase insurance through the:
Responda
  • CAARP
  • California fair plan
  • NFIP
  • There is no insurance available

Questão 68

Questão
Under the assigned risk plan:
Responda
  • All insurers selling that class of insurance must participate and they all share in the losses.
  • Policies are assigned to the large insurance carriers.
  • Policies are assigned to companies that wish to participate.
  • Policies are randomly assigned to all companies selling that class of insurance.

Questão 69

Questão
If an individual cannot get auto insurance through the normal market place, he may obtain insurance through the fair plan.
Responda
  • True
  • False

Questão 70

Questão
In a personal auto policy, in the physical damage section, coverage is provided for:
Responda
  • Insured's clothes stolen from the covered auto
  • Vandalism
  • Mechanical breakdown
  • None of the above

Questão 71

Questão
Collision coverage under a personal auto policy would cover cost incurred for rental expenses following damage caused by collision.
Responda
  • True
  • False

Questão 72

Questão
An auto is damaged in a hail storm. How is the loss covered?
Responda
  • Collision
  • Other than collision
  • Not covered due to the catastrophic exposure of hail.
  • Only covered by the auto policy if the auto was garaged.

Questão 73

Questão
If an insured changes his deductible from $1000 to $100, this will allow for:
Responda
  • Additional small claims
  • Lower premiums
  • Both
  • Neither

Questão 74

Questão
A woman purchases another car and adds it to her policy. She does not pay the additional premium and the insurer cancels the policy for non-payment. How many days notice is the insurer required to give to her?
Responda
  • 10
  • 15
  • 20
  • 30

Questão 75

Questão
An insured adds an additional car to his auto policy. What is true about an inspection?
Responda
  • California code states nothing about inspections
  • An inspection is required only if the insured wants collision coverage
  • An inspection is required if the insured wants other than collision and collision coverage

Questão 76

Questão
Tom has a personal auto policy with medical payments of $2000. Which of the following is correct?
Responda
  • Tom's daughter is struck while riding her bicycle. Tom's medical payments will not cover his daughter as she was riding a bicycle in the street at the time of the accident.
  • Tom's daughter is struck by a car while crossing the street. Tom's medical payments will not cover her as she was not in a vehicle at the time of the accident.
  • Tom gave his neighbor a ride to the store. They were involved in an accident and each sustained injuries over $2000. Tom's medical payments paid each Tom and his neighbor $2000.
  • Tom's neighbor gave Tom a ride to the store. They were involved in an accident and Tom sustained over $2000 in injuries. Both Tom and his neighbor's policies will not pay more than a combined amount of $2000.

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