Part A - Liability Coverage

Question 1

Pays for bodily injury or property damages when an insured becomes legally liable, due to an accident

Answer 1

Insuring Agreement

Question 2

The maximum limit of Part A is found on ____

Answer 2

The policy’s Declarations

Question 3

True or False

If the loss is covered under more than one part of the policy, payment will be duplicated

Answer 3

False

Question 4

Personal auto policies may have liability limits written as ____ or ____

Answer 4

Split limit

Combined single limit

Question 5

A liability limit in which the amount of coverage for bodily injury & property damages are separate

Answer 5

Split limit

Question 6

A liability limit in which the limit of the policy may be applied to bodily injury and/or property damage

Answer 6

Combined single limit

Question 7

The limit of liability is the most paid by the insurer regardless of ____, ____, or ____

Answer 7

The number of insureds

The number of vehicles involved

The premiums shown

Question 8

True or False

When a “your covered auto” is being driven out of state, Part A extends coverage as required by the insurance laws of that state

Answer 8

True

Question 9

What happens if “other auto” liability insurance is in place at the time of the loss?

Answer 9

The PAP will only pay its share of the loss

Question 10

A policy with “other auto” liability insurance pays on a(n) ____ basis for any ____ auto, including a temporary substitute

Answer 10

Excess

Non-owned