McGuffin's Linen Service Company
John and Suzette Oglesby, a married couple who live together
Don Wilson's 16-wheel big rig, which he owns
Collision Coverage of Part DCoverage for Damage to Your Auto
Other Than Collision Coverage of Part DCoverage for Damage to Your Auto
Part ALiability Coverage
Part CUninsured Motorists Coverage
Pickup truck used on the insured's farm
Panel truck used to make deliveries for the insured's small manufacturing operation
Nothing coverage is automatic
Submit a new policy application
Notify the company of the new car within 14 days of the purchase
Notify the company immediately; no coverage applies until the company is notified
Injuries a named insured receives in a car accident
Injuries to a person struck by the named insured's auto
Injuries to a member of the named insured's family who was a passenger in the named insured's car when it overturned
Damage to personal property being transported when the car was involved in a collision
Edna, Mr. Stump's wife, who resides with him
Mr. Stump's 16-year-old son, who lives at home
A neighbor who borrows Stump's car with Stump's permission
A group of teenagers who steal Mr. Stump's car from a parking lot and take it for a joy ride
The insured's family
Passengers in the insured's vehicle
Occupants of a vehicle that is struck by the insured's vehicle
Motorist who has less insurance than required by the state's financial responsibility law
Driver whose insurance company is insolvent
Motorist who has enough insurance to meet the state's financial responsibility law, but not enough to fully reimburse the insured for his or her injuries
Unidentified hit-and-run driver
Tabb, the insured, drives the wrong way down a one-way street and collides with another car. Tabb is seriously injured. The driver of the other car has no Liability insurance.
Barb, the insured, is hit by a drunk driver who is uninsured. She is not injured, but her car is totaled.
Leslie, the insured, is injured when she is struck by a car that runs a red light. The driver has no Liability insurance.
Bernard, the insured, is on his way to work when his vehicle is rear-ended by a car that was following too closely. Bernard suffers a back injury. The driver of the other car carries the minimum amount of insurance required in the state.
A radiator develops a leak after the car has 100,000 miles on it.
The insured's car is stolen and never recovered.
The insured's auto skids on icy pavement and flips over.
The insured's auto is damaged when it is hit by another car that runs a red light.
Insureds who are uninsurable in the standard market
Insureds who do not own their own autos
Insurance companies for losses involving government-owned automobiles
Insureds who cannot afford standard rates
When the insured fails to pay his taxes, the IRS confiscates and sells his car.
The insured's car is stolen on a cold winter day. The thieves run down the battery, and then abandon the car in a field. Before the car is discovered, the battery freezes and is ruined.
The insured's cell phone that she sometimes carries in her car is damaged in a collision.
Custom carpeting that the named insured added to his van is damaged in a flood.