Chapter 9 - Personal Auto Insurance
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Only used by FSS Team for preparing INS Exam.
- 1.
- A.
McGuffin's Linen Service Company
- B.
Nancy Hardwicke
- C.
John and Suzette Oglesby, a married couple who live together
- D.
Don Wilson's 16-wheel big rig, which he owns
- 2.Ann's auto was damaged when it was struck by another car whose driver ran a stop sign. Which part of Ann's Personal Auto policy will cover the damage to her car?
- A.
Collision Coverage of Part DCoverage for Damage to Your Auto
- B.
Other Than Collision Coverage of Part DCoverage for Damage to Your Auto
- C.
Part ALiability Coverage
- D.
Part CUninsured Motorists Coverage
- 3.
- A.
Pickup truck used on the insured's farm
- B.
Station wagon
- C.
Chevrolet sedan
- D.
Panel truck used to make deliveries for the insured's small manufacturing operation
- 4.
- A.
Nothing coverage is automatic
- B.
Submit a new policy application
- C.
Notify the company of the new car within 14 days of the purchase
- D.
Notify the company immediately; no coverage applies until the company is notified
- 5.
- A.
Injuries a named insured receives in a car accident
- B.
Injuries to a person struck by the named insured's auto
- C.
Injuries to a member of the named insured's family who was a passenger in the named insured's car when it overturned
- D.
Damage to personal property being transported when the car was involved in a collision
- 6.
- A.
Edna, Mr. Stump's wife, who resides with him
- B.
Mr. Stump's 16-year-old son, who lives at home
- C.
A neighbor who borrows Stump's car with Stump's permission
- D.
A group of teenagers who steal Mr. Stump's car from a parking lot and take it for a joy ride
- 7.
- A.
The insured
- B.
The insured's family
- C.
Passengers in the insured's vehicle
- D.
Occupants of a vehicle that is struck by the insured's vehicle
- 8.Which of the following could be considered an uninsured motorist?
- A.
Motorist who has less insurance than required by the state's financial responsibility law
- B.
Driver whose insurance company is insolvent
- C.
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
- D.
Unidentified hit-and-run driver
- 9.
- A.
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.
- B.
Barb, the insured, is hit by a drunk driver who is uninsured. She is not injured, but her car is totaled.
- C.
Leslie, the insured, is injured when she is struck by a car that runs a red light. The driver has no Liability insurance.
- D.
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.
- 10.
- A.
A radiator develops a leak after the car has 100,000 miles on it.
- B.
The insured's car is stolen and never recovered.
- C.
The insured's auto skids on icy pavement and flips over.
- D.
The insured's auto is damaged when it is hit by another car that runs a red light.
- 11.
- A.
Insureds who are uninsurable in the standard market
- B.
Insureds who do not own their own autos
- C.
Insurance companies for losses involving government-owned automobiles
- D.
Insureds who cannot afford standard rates
- 12.
- A.
When the insured fails to pay his taxes, the IRS confiscates and sells his car.
- B.
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.
- C.
The insured's cell phone that she sometimes carries in her car is damaged in a collision.
- D.
Custom carpeting that the named insured added to his van is damaged in a flood.
- 13.
- A.
$50,000
- B.
$55,000
- C.
$75,000
- D.
$80,000
- 14.
- A.
$5,000
- B.
$50,000
- C.
$100,000
- D.
$300,000
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