No Fault Exercise 1

5 Questions | Total Attempts: 34

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No Fault Exercise 1

10 various No Fault questions and scenarios


Questions and Answers
  • 1. 
    Our insured struck and killed a NYS pedestrian in NY. Our insured's policy carries $5000 Med Pay coverage. NYCM will pay up to $5000 for funeral expenses upon receipt of the death certificate and funeral bill.
    • A. 

      True

    • B. 

      False

  • 2. 
    Our  policyholder's 18 year old son was driving his mother's vehicle which is insured with Allstate. Him,  his 14 year old brother and a 18 year old female passenger were all injured. The driver had the motor & transmission of the car sitting on his lap, had tib fib fx on left leg, femur on rt leg, collapsed left lung, fx femur, brain bleed & was air lifted. The 14 year old brother was air lifted to hospital, had extensive back surgery, broken ribs, injured kidney, bleeding liver & spleen & collapsed lung. The 18 year old female was air lifted with severe injury.   Allstate's policy carrie's Basic & Obel. Our policy carries $100,000 APIP, No OBEL, $1000 Med pay. The female passenger is insured with GEICO with Basic, $50,000 APIP. What,  coverage would the female passenger be afforded  under our policy (the father's)?
    • A. 

      $100,000 APIP, and $1000 Med Pay

    • B. 

      $50,000 APIP, $1000 Med Pay

    • C. 

      $50,000 APIP

    • D. 

      Not Eligible

  • 3. 
    Our insured driving his 2004 motorhome in Pennsylvania & was rearended by clmt. Passenger in insd vehicle who is a NYS Resident & not a member of our policy holder's household was injured. She does have her own policy with Allstate.  What action would be taken? We would deny based on _______________________.  
  • 4. 
    Incident occurred in Ohio. IV was towing U-haul trailer. Insds wife exited vehicle, stepped over trailer hitch when veh moved unexpectedly. The driver assumed she was out of the way but the U-haul trailer injured her leg. Policy carries Basic, OBEL, $100,000 APIP, $5000 Med Pay What coverages would the insured's wife be eligible for?
    • A. 

      Basic and OBEL

    • B. 

      Basic, OBEL, Med Pay

    • C. 

      Basic, OBEL, APIP,Med Pay

  • 5. 
    Out of State Coverage is limited to $50,000.
    • A. 

      True

    • B. 

      False

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