No Fault Exercise 1

1. 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 _______________________.  

2. 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?

3. 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.

4. Out of State Coverage is limited to $50,000.

5. 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)?