Which of the following is not covered under uninsured motorist coverage?
Asked by: Dr. Benedict Stanton DDS | Last update: November 9, 2023Score: 4.1/5 (14 votes)
Uninsured motorist coverage does not cover property damage to your vehicle and does not protect the other driver.
What are uninsured motorists coverages?
Uninsured motorist coverage protects you if you're hit by a driver who has no auto insurance. Underinsured motorist coverage, which is usually offered alongside uninsured motorist coverage, protects you if you're hit by a driver who doesn't have enough coverage to pay for the damages or injuries they caused.
Which of the following is not considered an uninsured motorist vehicle under the personal auto policy?
The definition of an uninsured motorist vehicle under the Personal Auto Policy includes all of the following, except: A vehicle newly acquired by the named insured that has not been reported to the insurer; A vehicle owned by the insured would not fit the definition of an uninsured vehicle.
Which of the following vehicles is not considered an uninsured vehicle?
A Besides a company car, a vehicle owned by the insured or a family member or a vehicle furnished or available for the regular use of the named insured or a family member is not considered an uninsured vehicle.
Which of the following is covered under the uninsured motorist coverage of a personal auto policy PAP )?
Your PAP can provide you with this protection. Uninsured motorist (UM) coverage is designed to protect you from injuries sustained in an auto accident caused by another driver who either is uninsured or has less than the minimum insurance required by state law.
Uninsured vs Underinsured Motorist Coverage
Which of the following statements is true concerning underinsured motorists coverage under a personal auto policy?
The correct answer is b. The coverage applies only if an uninsured motorist is legally liable for the accident. It is correct because PAP stands for personal auto policy.
Who are insureds under Part C uninsured motorists coverage of a personal auto policy?
Uninsured motorists coverage. pays for bodily injuries (and property damage in some states) caused by an accident with another vehicle whose driver is negligent and (1) has no liability insurance or less than that required by law, (2) was a hit-and-run driver, or (3) is a driver whose insurance company is insolvent.
Which of the following is not under personal accident insurance?
A personal accident policy does not cover third-party liability or injury. Therefore, if an accident occurs in a vehicle and the vehicle damages a third-party property, the insured will not get a claim through personal accident insurance.
Which of the following would be covered under collision coverage?
Types of damage covered by collision auto insurance
You crash into another car, or another car crashes into you while you're parked. You drive into a stationary object, such as a tree, streetlight or pole. You crash into a ditch or a pothole. Your car flips over.
Which of the following would not be considered a collision loss under Part D coverage for damage to your auto?
Loss caused by the following is covered under Comprehensive Coverage and is not considered collision: fire; missiles or falling objects; hail, water or flood; malicious mischief or vandalism; theft or larceny; riot or civil commotion; explosion or earthquake; contact with bird or animal; windstorm; or breakage of ...
Which of the following would not be covered under liability section of a personal auto policy?
Under the liability portion of your policy, coverage is generally excluded in the following situations: Damage or injury is intentional. There is duplicate coverage (e.g., claims covered by workers' compensation)
What is the limit of liability for uninsured motorist coverage in a personal auto policy in Kansas?
Uninsured or Underinsured motorist coverage protects you if you are in an accident with someone who isn't carrying the required amount or insufficient insurance. Your uninsured or underinsured motorist policy in Kansas includes: $25,000 bodily injury liability per person. $50,000 bodily injury liability per accident.
Which of the following would not be considered an insured person for the purposes of part A liability coverage for a personal auto policy?
Which of the following would not be considered an insured person for the purposes of Part A (Liability Coverage) for a Personal Auto Policy? Any person using "your covered auto" without permission. A person using an automobile without permission is not covered.
What is uninsured motorists used to cover the insured for quizlet?
The purpose of Uninsured Motorists Coverage is to provide coverage for an insured injured in an accident that is the fault of the operator of an uninsured motor vehicle.
What means uninsured?
/ˌʌn·ɪnˈʃʊərd/ not having any insurance to pay for medical expenses or for damage or injury while driving a car: The plan would provide health insurance for most Americans who now are uninsured. uninsured motorists.
What does bodily liability insurance provide to the insured?
If you are responsible for a car accident, bodily injury liability coverage pays for the medical costs of the people who are injured (not including yourself). This coverage also helps cover payment for legal defense in the event you are sued for damages.
What 3 things does collision insurance cover?
Collision insurance covers car repair bills if your car is damaged in an accident or pays to replace your car if it's totaled in an accident, such as: A car crash with another vehicle. A car crash with an object, such as a fence, pole or guardrail. Another car crashes into your vehicle, such as a hit and run.
Which of the following is covered under collision automobile insurance for a car?
Collision coverage
Collision pays for damage to your car resulting from a collision with an object (e.g., a telephone pole, a guard rail, a mailbox), or as a result of flipping over. The average cost is about $290 per year. Collision coverage reimburses you for the costs of repairing your car, minus the deductible.
Which type of coverage provides protection from non accident related damage?
Comprehensive car insurance is a coverage that helps pay to replace or repair your vehicle if it's stolen or damaged in an incident that's not a collision. Comprehensive, sometimes called "other than collision" coverage, typically covers damage from fire, vandalism or falling objects (like a tree or hail).
What personal accidents cover?
What is personal accident cover on car insurance? Personal accident cover may be included as standard on your car insurance policy, or it could be available as an optional extra. It pays out if you die or are seriously injured in a car accident and you can't claim compensation from a third party.
What is personal accident and personal liability?
Personal liability occurs in the event an accident, in or out of your home, that results in bodily injury or property damage that you are held legally responsible for.
What is the difference between personal accident and personal injury?
Personal accident insurance pays out if you suffer a serious injury or die as a result of a car accident. It can also cover you if you become totally and permanently disabled. Personal injury insurance policies usually pay a fixed amount of money for specific injuries.
Who does the insured include?
In insurance, the insured is the person or business that is covered by an insurance policy. One policy can (and usually does) cover multiple insureds.
Who is an insured on a personal auto policy?
"Insured" as used in this Part means: 1. You or any "family member". 2. Any other person "occupying" "your covered auto".
Which of the following is a type of personal property insured under Coverage C of a dwelling policy?
Coverage C includes items like electronics, housewares, clothing, and even furniture. It can also be stuff you keep in your yard or other structures, like patio furniture, a hot tub, bikes, or tools. If your stuff is stolen or damaged by a covered peril, this coverage may help pay for its repair or replacement.