Use LEFT and RIGHT arrow keys to navigate between flashcards;
Use UP and DOWN arrow keys to flip the card;
H to show hint;
A reads text to speech;
22 Cards in this Set
- Front
- Back
|
What is a family member? |
Any person related to the named insured who lives in the insured's household. |
|
|
What is occupancy? |
*in a vehicle *upon a vehicle *getting into, out of, or off a vehicle |
|
|
What is a private passenger auto? |
A 4 wheel motor vehicle not used for business. |
|
|
What does Part A - Liability Coverage cover? |
BI & PD that occur because of an auto accident. - only protects those considered insured - only covers damages for which the insured is legally responsible - must involve bi or pd |
|
|
What do supplementary payments include? |
*up to 250 for bail bonds *premiums on appeal bonds or bonds to release attachments *postjudgement interest *up to 200 a day for loss of earnings because of attendance at hearings *Other reasonable expenses |
|
|
Exclusions |
*bi & pd caused intentionally *damage to Property owned/being transported by insured *damage to property rented to/used by/in care of Insured *bi to an insured's employees *liability arising out of an insured's ownership or operation of a vehicle used as a public or livery conveyance (taxi) *bi or pd covered under the nuclear energy liability policy *motor vehicles with less then 4 wheels or designed for off road use *vehicles other then covered autos that are owned by family members or furnished for for their regular use *vehicles used in prearranged racing |
|
|
What does medical payments coverage provide? |
Protection for the named insured, family members, and passengers in the named insured's auto for injures received in an accident, regardless of who was at fault. |
|
|
What does medical coverage include? |
The named insured or any family member while occupying a motor vehicle designed for use on Public roads *or a trailer or when struck by a vehicle designed for use on public roads or a trailer *and other person while occupying the named insured's covered auto |
|
|
What does uninsured motorists coverage cover? |
It indemnifies the insured fit bodily injury only as a result of an accident with legally liable uninsured motorists. UNDER PART C. |
|
|
What (4) conditions must be met before the insured can by indemnified under part C (UM coverage)? |
*The loss must be caused by auto accident and involve BI *The loss must be sustained by an insured *The insured must be legally entitled to recover for BI damages *The other vehicles must meet the definition of an uninsured vehicle |
|
|
What injuries are exclusions of Medical payments coverage? |
*injuries sustained while occupying a vehicle with less then 4 wheel *sustained while using covered auto as public or livery conveyance *that would be covered under workers comp *sustained while occupying an uninsured an uninsured auto owned by the insured or furnished for his regular use *sustained while occupying an uninsured auto owned by a family member or furnished for that family members regular use *sustained while the insured is occupying a vehicle without reasonable belief that he is entitled to do so *sustained while occupying a vehicle that is being used in the insured's business *caused by war or nuclear hazard *sustained while occupying a vehicle located for use as a residence *sustained during prearranged racing |
|
|
What is an uninsured motor vehicle? |
*no liability coverage *doesn't have enough liability coverage to meet state requirements *operated by hit and run driver *invalid liability coverage at the the of accident *owned/operated by self insured *owned by government agency *operated on rails *located for use as residence |
|
|
Who is insured for uninsured motorists coverage? |
*named insured and family members *anyone occupying the covered auto *anyone entitled to BI caused by named insured/family/passengers |
|
|
What are the exclusions of uninsured motorist coverage? |
*Losses for BI sustained by an insured while occupying or struck by an auto that is owned by the insured but not insured for UM coverage *Losses for BI sustained by a family member while occupying or struck by an auto owned by the named insured that has primary uninsured motorists coverage *settled without the insurer's consent *that occurs when the auto is being used as a public or livery conveyance *that occur while the insured is using a auto without reasonable belief that he is allowed to do so |
|
|
What does Part D - coverage for damage to your auto cover? |
Direct and accidental loss to the named insured's covered auto or any nonownwned auto against loss caused by *collision *Other then collision (otc) |
|
|
What is collision? |
Impact caused by another object or auto. |
|
|
What perils are considered other then collision? |
*missiles or Falling objects *Fire *Theft or larceny *Windstorm *hail, water, flood *v&mm *riot or civil Commotion *contact with animal *breakage of glass |
|
|
What does transportation expense cover? |
Up to $20 per day, max of $600 *transportation expenses incurred by the insured because of physical damage losses to the insured's covered auto *loss of use expenses for which the insured becomes legally responsible because it nonownwned auto |
|
|
Duties after loss? |
*Notify police if hit & run driver is involved *protect auto & equipment from further damage *Notify police if vehicle is stolen *permit ins company to inspect before repair |
|
|
What do general provisions establish? |
Conditions for the coverage & description of the duties/obligations of the insured & insurer. |
|
|
What does the Towing & Labor costs endorsement do? |
Provides reimbursement to the insured for having a vehicle towed. Basic coverage limit is 25$ combined towing/labor each time. Labor must be done on site. |
|
|
What does the Miscellaneous Type Vehicle endorsement do? |
Provide coverage for motorcycles, mopeds & recreational vehicles such as motor homes & golf carts. |
