Commercial Auto

Front 1

Radio and antenna

Back 1

Generally all of the following are covered under Mechanical Breakdown policy except?

Front 2

"Broaden PIP"

Back 2

Under a Commercial Auto Policy, what would be needed to give additional employees coverage for Personal Injury Protection?

Front 3

Garage Coverage Form

Back 3

Our insured rented the business pickup truck to a customer while repairing the customers car. What policy pay if a claims occurred?

Front 4

Drive Other Car

Back 4

The employee of the insured business does not own a automobile. What coverage would be added to the BAP to provide liability coverage when the employee is driving other vehicles not owned by the business?

Front 5

Intermediate

Back 5

Under the BAP what is the rating reference for radius of 150 miles?

Front 6

Long Distance

Back 6

When rating the BAP, trucks which operate within the radius of 225 miles is considered?

Front 7

Up to the limits of liability

Back 7

Garage is in the business of service and has a garage policy. A customer drops off their car and picks up the garage rental and never returns the vehicle. How will the Garage policy respond?

Front 8

False Pretense

Back 8

A test driver never returns with the car. What coverage does the dealership need to have to pay for the accident?

Front 9

Pollution

Back 9

BAP Physical Damage coverage includes all EXCEPT?

Front 10

Broken Glass

Back 10

All of the following are considered Specified Perils under Garagekeepers EXCEPT:

Front 11

$ 400

Back 11

Insured has a Garagekeepers policy. Nine cars are vandalized causing $100 damage to each vehicle. How much will the policy pay?

Front 12

Trailer Interchange

Back 12

A trucker loses control, the windshield is broken, the fender is dented, and a non-owned trailer is totaled. How do you cover the damage to the non-owned trailer under the Truckers Policy?

Front 13

Forklift

Back 13

All are covered under BAP EXCEPT?

Front 14

Breakdown

Back 14

Rental reimbursement on Mechanical Breakdown is only for?

Front 15

400

Back 15

Under the Garage policy $500 damage to the customers vehicle arising out of employee work. How much is paid?

Front 16

Non-owned trailer damage

Back 16

ABC Trucking company is hauling a non owned trailer & the following loss occurs. There is loss to Non owned trailer damage / loss of use to the non-owned trailer for 10 days And damage to the insured truck What is covered under trailer Interchange?

Front 17

0

Back 17

The insured has a Business Auto Policy and a 2 1/2 ton truck is stolen. Under the Transportation Expense, how much coverage is available for a 10-day loss?

Front 18

Collision

Back 18

The insured's truck & trailer was side swiped & damages occurred. How would the situation be covered under the insured's Auto Policy?

Front 19

Symbol 7 Specific Vehicles

Back 19

What symbol is most commonly used for physical damage coverages in the BAP?

Front 20

Garagekeepers Liability

Back 20

Joe at the XYZ Stereo Shop accidentally engages gear on Petes car while installing a telephone. The Petes car is damaged. Which responds?

Front 21

Named Non-owner policy can be purchased by the business

Back 21

All of the following are correct regarding FAJUA as it relates to Commercial Vehicles EXCEPT?

Front 22

$25 on private passenger

Back 22

Under the Business Auto Policies, what is the towing coverage?

Front 23

$ 30,000

Back 23

ABC Trailer Company contracted with XYZ. ABC hauled XYZ trailer filled with oranges. An accident occurred and the non owned trailer was damaged to $30,000 and $4,000 to the oranges. How much will be paid under Trailer Interchange Coverage?

Front 24

False Pretense

Back 24

A customer came into the XYZ Dealership to buy a car. They asked to test drive the car. The customer never came back with the car. How would this be covered?

Front 25

Collision / Specified Perils / Comprehensive

Back 25

Under the BAP, how would coverage be provided under Section III Physical Damage Coverage?

Front 26

The Garage Policy as primary

Back 26

Under the Garage Policy, the insured lets a customer use the garage's car while their car is being fixed. The customer has 10/20/10. If the customer has an accident, what policy will pay?

Front 27

Physical Damage

Back 27

Under the BAP, what is symbol 7 most frequently used to activate?

Front 28

Battery

Back 28

Which of the following is not a major part under the Mechanical Breakdown Policy?

Front 29

Teds and Marcy's

Back 29

Ted owns a trucking business and has a Truckers Policy with Trailer Interchange policy to cover his semi-tractors. He is pulling a trailer that belongs to Marcy and he in an accident in which Ted is at fault, who would be defended in Teds Liability if the insured hurt someone in another vehicle?

Front 30

Average age of driver

Back 30

TRUCKERS INSURANCE PREMIUMS ARE BASED ON ALL EXCEPT?

Front 31

determine how much to pay in a claim

Back 31

The purpose of the appraisal process under Mechanical Breakdown policy is to:

Front 32

Liability

Back 32

Business Auto, all could be endorsed ON EXCEPT?

Front 33

Bailees coverage

Back 33

Garagekeepers is an example of:

Front 34

Who is an insured

Back 34

Truckers is different from the BAP for which of the following reasons:

Front 35

Broad Form Products

Back 35

When the insured purchases a Garage policy and desires to cover damage to the insureds own products:

Front 36

Broad Form Products

Back 36

What endorsement would be needed in the Garage Policy to eliminate the exclusion for damage to the insured own products?

Front 37

100/300/50

Back 37

What is the maximum liability FAJUA limit?

Front 38

Covered under the garage policy

Back 38

Bill's Auto Repair has a garage policy with a $50,000 single limit. Mrs. Smith owns an auto & carries liability coverage of 25/50/10 & is driving the repair shops auto while her auto is being repaired. She has an at-fault accident with another vehicle. How will Bill's Auto Repair policy respond?

Front 39

2,000 lbs

Back 39

Under a BAP policy, trailers are automatically covered for liability, up to:

Front 40

Under the BAP liability section

Back 40

Under the BAP, when the company car is being driven by an employee, if there was an at-fault accident. How could the liability coverage respond if the employer and the employee are sued?

Front 41

None of the above

Back 41

Dans New Auto Sales allows a customer to test drive a car and the car is not returned. How would this be paid?

Front 42

No Coverage

Back 42

Jim's tanker truck overturns, ruptures and spills a load of oil that he was hauling. He pollutes the lake, kills $10,000 worth of fish, breaks the windshield. How does Jim's BAP Section II - Liability respond?

Front 43

Employees policy would respond after the employers

Back 43

Employee is driving the business auto of his employer. He is involved in an at fault accident. If he was sued and the employer was sued, which of the following statements are correct?

Front 44

$25 on private passenger

Back 44

Under the Commercial Auto Policies, what is the towing coverage?

Front 45

Broaden PIP

Back 45

How could people be added to the Commercial PIP Policy?

Front 46

Friends Policy

Back 46

Insured has a business covered by a BAP with no endorsements and also has a CGL. Wife borrows a friends auto to run an errand. Friend has Liability and PIP. The wife hits a pedestrian. How is this covered?

Front 47

CGL

Back 47

A 2-ton truck was hauling grass while carrying a forklift on the back of the trailer. The forklift falls off the trailer into a car while in the operation to remove the grass. What policy would cover this operation?

Front 48

Boat Ashore on premises

Back 48

COVERAGE IS AVAILABLE UNDER A GARAGE LIABILITY POLICY FOR WHICH OF THE FOLLOWING?

Front 49

Drive Other Car

Back 49

Employer has employees who are working for them driving cars they do not own. The employer wants them covered for Liability and Medical Payments when driving cars of others, how could they be covered?

Front 50

Not covered - excluded

Back 50

The mechanic is test-driving a customers car. How would the mechanics PAP pay for damages to customer car?

Front 51

Garage Liability

Back 51

A customer slipped in fell on the premises of the Garage. Under what coverage is the claim payable?

Front 52

WC and PIP and Medical Payments

Back 52

Employee is hurt in a commercial auto. If all the following coverages were available in the claim, what order will these coverages be payable?

Front 53

Customer would have coverage under the garage policy but to 10/20/10 limits

Back 53

Bob's Auto Sales has a Garage Policy & a customer was test-driving a car, which they were considering buying. The customer was involved in an at-fault accident & has no auto policy as she did not own a car. Which of the following statements are correct?

Front 54

Nothing

Back 54

Our insured has 10/20/10 of liability coverage. Our insured was test driving a car and was in an at-fault accident. The Garage policy for the Dealership was a CSL of $150,000. What is the amount our insured will be covered for under the Garage policy if the damages were $50,000?

Front 55

Nothing because an employee stole it

Back 55

An employee steals a car, under the Garagekeepers coverage what will be covered.

Front 56

False pretense

Back 56

Dealership gave a car to a customer for a test-driving and the customer did not give it back. How can the Dealership obtain coverage?

Front 57

Pays for the damage arising out of their work except $100 deductible

Back 57

Liability Deductible on Garage Policy

Front 58

Trailer only

Back 58

Insured purchased a Truckers policy with Trailer interchange. The insured borrowed the ABC Company trailer and had an at fault accident. The Trailer was damage to $18,000 and there was loss of future income of $20,000. What will be covered under our insureds Truckers policy

Front 59

Any Autos - Liability only

Back 59

What is the coverage under Symbol 21 under the Garage Policy?

Front 60

Physical damage

Back 60

What is the most common use for Symbol 7?

Front 61

Engine blowing up

Back 61

Under the Mechanical Breakdown policy what will be paid?

Front 62

Any limit

Back 62

What Limit can Extended Transportation expense be increased to under PAP?

Front 63

36 months/36,000 miles

Back 63

How long is the policy period for the mechanical Breakdown coverage on new cars?

Front 64

$ 500 $2,000

Back 64

What is the minimum and maximum Medical Payments under the FAJUA?

Front 65

10/20/10 - 100/300/50

Back 65

What is the minimum and Maximum Bodily Injury under FAJUA

Front 66

Any owned auto

Back 66

What is symbol 22 under the Garage Policy?

Front 67

Non-owned Auto

Back 67

What is symbol 29 under the Garage Policy?

Front 68

Insured only

Back 68

Our insured has non-owned trailer and was involved in an at-fault accident. If both the insured and the owner of the non-owned trailer were sued, who will be defended under the BAP?

Front 69

Liability only for Non-owned autos

Back 69

What is the use for Symbol 29 under the Garage Policy?

Front 70

Broaden PIP

Back 70

If the insureds employee is driving a car not owned by the business and the insured wants the business policy to following him for PIP, what endorsement should you sell the insured?

Front 71

100/300/50 or more if state limits require

Back 71

Maximum limits for COMMERICAL FAJUA?

Front 72

over 50 miles

Back 72

A dealership has a car needed to be driven from Orlando to St. Petersburg Florida. When does coverage for physical damage stop on the automobile being driven from point of purchase?

Front 73

60 days

Back 73

The Florida law regarding Cancellation Notice requirement (for other than nonpayment) is:

Front 74

Employer and Sam

Back 74

Sam borrows a car from a friend to run and errand for employer & has an at fault accident hits a pedestrian. Who would the employer's policy defend if all three were sued by the injured party?

Front 75

100/300/50 or more if state limits require

Back 75

Maximum limits for COMMERICAL FAJUA?

Front 76

Drive Other Car

Back 76

If the insureds employee does not own a car and is driving a car not owned by the business and the insured wants the business policy to following him for Liability coverages, what endorsement should you sell the insured?

Front 77

over 50 miles

Back 77

A dealership has a car needed to be driven from Orlando to St. Petersburg Florida. When does coverage for physical damage stop on the automobile being driven from point of purchase?

Front 78

60 days

Back 78

The Florida law regarding Cancellation Notice requirement (for other than nonpayment) is:

Front 79

Employer and Sam

Back 79

Sam borrows a car from a friend to run and errand for employer & has an at fault accident hits a pedestrian. Who would the employer's policy defend if all three were sued by the injured party?

Front 80

Drive Other Car

Back 80

If the insureds employee does not own a car and is driving a car not owned by the business and the insured wants the business policy to following him for Liability coverages, what endorsement should you sell the insured?

Front 81

Symbol 21

Back 81

What symbol is used for Any Auto under the Garage policy?

Front 82

$ 700

Back 82

A baseball from the field hits a commercial truck and damages the windshield to $700. They have a deductible for Collision for $250 and the deductible for Comprehensive is $100. How much is paid?

Front 83

Dealers Drive away Collision

Back 83

What do they need to purchase when driving a car over 50 miles from their location?

Front 84

100/300/50

Back 84

Disregard statutes and law limits. What is the MAXIMUM Limit under the Commercial JUA?

Front 85

Garage only

Back 85

A mechanic at a repair shop has a BAP and Garage Policy and is test driving a customers car. He is involved in an AT-Fault accident. How would this claim be handled?

Front 86

Garagekeepers

Back 86

If the insured is in the business of parking cars, what coverage is needed if damage occurs to the customers car?

Front 87

Owner took car home while driving the vehicle the fuel pump exploded

Back 87

Under the Garage policy, what would be covered under Garagekeepers?

Front 88

30

Back 88

What symbol is needed if you are in the business of parking cars?

Front 89

K Dealership

Back 89

Mrs. S is test driving a car and she has basic 10/20/10. K is a car dealership. Mrs S backs iknto a car on the lot and causes $2,000 damage to the other car. The other driver sues for $10,000 medical payments. Both are sued for damages, What policy defends?

Front 90

Animal Hitting

Back 90

What is not a covered peril under the Specified perils coverage in Physical Damage?

Front 91

Damage to customers car left for repair

Back 91

Garagekeepers Section III covered?

Front 92

Liability limits up to 100/300/50

Back 92

What coverages are available under the Commercial JUA?

Front 93

Symbol 7

Back 93

In a Business Auto Coverage form, if you wanted to apply coverage to specifically described vehicles, which symbol would you use?

Front 94

Age of the driver

Back 94

All of the following are rating elements for the Business Auto Coverage form except:

Front 95

Drive other car coverage

Back 95

Craig does not own a vehicle but he drives a car that is furnished by his company. He wants to have liability coverage in case he rents a vehicle while on vacation. What coverage would his employer add to their Business Auto Policy to extend coverage to Craig?

Front 96

Completed operation coverage is specifically excluded

Back 96

Which of the following is true of the Garage coverage form?

Front 97

Business auto and general liability

Back 97

The garage coverage form is a combination of 2 different coverage forms. What are they?

Front 98

Any trailer attached coverage

Back 98

The coverage in the Truckers coverage form which provides comprehensive or specified perils and collision for non-owned trailers attached to the insureds tractor is called:

Front 99

Non-owned Trailers

Back 99

Under the Truckers policy what is covered under Trailer Interchange?

Front 100

Collision, Comprehensive, Specified Perils

Back 100

What coverages are included in the BAP and not the PAP?

Front 101

21

Back 101

Which of the following Symbols provide Any auto?

Front 102

1

Back 102

What symbol activates any auto on a BAP?

Front 103

"Garagekeepers"

Back 103

The owner of a garage is driving the customer home in the customer's car, when the car catches on fire as a result a faulty gas line installed by the garage. What coverage would be needed for the damage to the customer's car under Commercial Auto?

Front 104

$1,000

Back 104

Insurance was carried under the Mechanical Breakdown Policy. A drive axle did not meet the manufacturer's specifications. The following claim was filed. What is covered if the following is damaged: $800 Drive Axle; $200 labor; $50 towing; $25 storage?

Front 105

Motor Truck Cargo

Back 105

The insured is carrying their own products in the truck that their employee is driving. In order to cover the items inside the vehicle, the insured would need?

Front 106

Physical Damage Coverage

Back 106

The Named Non-Owner Coverage endorsement can include all EXCEPT?

Front 107

Garage Liability

Back 107

A lady slips on the floor inside of the building for the Garage. Under what coverage would this be payable?

Front 108

J's coverage does not apply

Back 108

Mechanic J test driving customer’s car as part of his job. J runs into a tree. J has liability and Physical damage under his PAP. How does J’s PAP coverage apply?

Front 109

Watercraft on Premises

Back 109

All of the following are exclusions under the Garage Liability, EXCEPT:

Front 110

No coverage

Back 110

The insured's employee stole the customer's car. What would be paid under the Garage policy?