Which vehicle would not be a covered auto under the personal auto policy?

Even though your Personal Auto Policy appears to exclude all business use (except farming and ranching), the exclusion does not apply to “private passenger autos, pickups, motorhomes and vans, or trailers used with one of these vehicles”.

Which of the following is not excluded under Part A of a personal auto policy?

the following is not insureds under a Personal Auto Policy: A spouse living in a different household; The spouse of the insured must reside in the same household for coverage to apply.

What is covered under a personal auto policy?

A personal auto policy is insurance on your personal vehicle. It may include liability, medical payment coverage, comprehensive, or collision coverage, depending on your policy. … It may include liability, medical payment coverage, comprehensive, or collision coverage, depending on your policy.

Which of the following is not a supplementary payment under Coverage A of a personal auto policy?

Which of the following is not a Supplementary Payment under Part A of the Personal Auto Policy? –Medical payments are paid out of Part B of the policy and are not considered Supplementary Payments.

Which coverage is not provided under Section II of a homeowners policy?

Section II provides coverage for “bodily injury” and “property damage,” but not coverage for “personal injury,” which includes acts such as libel, slander and false arrest among others. You can add an endorsement, Personal Injury (HO 24 82 10 00) to the Homeowners Policy to add coverage for personal injury claims.

What coverage is not included under the yacht policy?

All boat insurance policies have exclusions. The boat owner has the responsibility to maintain their boat, and so normal wear and tear is often excluded under a boat or yacht policy. Other exclusions can include gradual deterioration, weathering, insects, mold, animals, and other marine life.

Which of the following is not covered under uninsured motorist coverage?

Which of the following is not covered under Uninsured Motorist Coverage? A taxicab or other vehicle for hire is not eligible for coverage.

Which of the following is not excluded under Part A of the CGL form?

Which of the following is NOT excluded under Part A of the CGL form? The mobile equipment exclusion applies to the transportation of mobile equipment by the insured. However operation of mobile equipment is not excluded unless for racing or stunting.

Which of the following businesses would not be eligible for coverage under the Garage Coverage Form?

The Garage Coverage Form is designed to provide coverage for businesses engaged in the sale, service, parking, or storage of automobiles. … A car rental agency would not be eligible under this form, which is intended for businesses that sell, service, or store automobiles.

What is uninsured motorist protection?

Uninsured/Underinsured Motorist Coverage (UMC)—Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance or whose liability limits are too low to pay for all the damage.

Why would you reject uninsured motorist coverage?

If you already have collision insurance and medical coverage of some sort, rejecting uninsured motorist coverage might be a good way to lower your premium. Otherwise, paying for uninsured motorist coverage is generally an inexpensive way to add extra protection.

What states require uninsured motorist coverage?

Twenty two jurisdictions require uninsured motorist coverage (UM): Connecticut, District of Columbia, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia …

What is covered under comprehensive insurance?

Comprehensive coverage helps cover the cost of damages to your vehicle when you’re involved in an accident that’s not caused by a collision. Comprehensive coverage covers losses like theft, vandalism, hail, and hitting an animal. … Comprehensive coverage is an optional coverage you can carry to help protect your vehicle.

Do I need uninsured motorist coverage?

If you can afford full coverage insurance, uninsured and underinsured motorist coverage is generally worth it. In most cases, UM/UIM coverage costs much less than liability, comprehensive or collision insurance. We recommend having it on your policy.

Why do some states require uninsured motorist coverage?

California law requires auto insurers to offer UMC/UIM coverage. … This means that someone injured by an uninsured or underinsured driver may be unable to collect damages from the other driver for medical costs, lost wages, car repair bills, pain and suffering and other losses after a car accident in California.

Is comprehensive coverage full coverage?

Comprehensive insurance is one of several types of coverage often referred to as full coverage insurance when purchased together. Also included in full coverage insurance are liability and collision insurance, plus uninsured motorist coverage in some states.

What is full comprehensive and collision coverage?

Comprehensive provides coverage for events outside your control that are not caused by a collision, like weather, vandalism and theft. Collision coverage is for damage resulting from an accident with another vehicle or object.

Is auto insurance required in all states?

Car insurance is required in almost all states. Known as a mandatory minimum, drivers must purchase and maintain a certain level of car insurance from an insurance company in case of an accident or injury to another person or property. If you fail to maintain coverage, you could be in violation of the law.

Which insurance coverage is required by law in most states quizlet?

$1500. The minimum insurance coverage required by most states is liability coverage.