Definitions

Question 1

Personal lines policy that provides insurance for loss resulting from vehicles

Answer 1

Personal Auto Policy

Question 2

What vehicles are eligible?

Answer 2

Private passenger vehicles with a gross vehicle weight of 10,000lbs or less

Question 3

True or False

Commercial use of an eligible vehicle is eligible for a PAP

Answer 3

False

Must be a insured on business AP

Question 4

Part A

Answer 4

Liability coverage

Question 5

Part B

Answer 5

Medical payments

Question 6

Part C

Answer 6

Uninsured motorist

Question 7

Part D

Answer 7

Coverage for damage to your auto

Question 8

Part E

Answer 8

Duties after an accident or loss

Question 9

Part F

Answer 9

General provisions

Question 10

A vehicle is deemed “owned” if leased under a written agreement for a continuous period of ____

Answer 10

6 months

Question 11

The named insured should always be the person to whom the vehicle is titled to unless ____

Answer 11

The vehicle is leased

Question 12

The named insured & their spouse

Answer 12

“You and your”

Question 13

Bodily harm, sickness, disease and/or death

Answer 13

Bodily injury

Question 14

Includes trade, profession or occupation

Answer 14

Business

Question 15

Person related to named insured & lives with them

Answer 15

Family member

Question 16

In, upon, or getting in/out of

Answer 16

Occupying

Question 17

Physical injury to, or loss of use to tangible property

Answer 17

Property damage

Question 18

A vehicle designed to be towed

Answer 18

Trailer

Question 19

Any vehicle shown in the declarations

Answer 19

Declared auto

Question 20

A vehicle for which the insured becomes owner DURING the policy period

Answer 20

Newly acquired auto

Question 21

Any auto that is non-owned being used in place of an insured vehicle

Answer 21

Temporary substitute

Question 22

____ recives the broadest coverage on the PAP

Answer 22

“Your covered auto”

Question 23

Which 4 categories of vehicles are considered for Your Covered Auto?

Answer 23

1. Any vehicle on the declarations page
2. A newly acquired auto
3. An owned trailer
4. A temporary substitute

Question 24

Coverage begins ____ for all coverages except ____

Answer 24

On the date the insured becomes owner

Part D

Question 25

If newly acquired auto is an ADDITIONAL vehicle, when must insured report to insurer?

Answer 25

Within 14 days

Question 26

If newly acquired vehicle is a REPLACEMENT, when must insured report to insurer?

Answer 26

Doesn’t need to report

Question 27

Under Part D

A newly acquired auto must be reported to the insurer within ____ days if there’s NO Part D on the declarations & ____ days if there IS Part D on the declarations

Answer 27

4

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