Which of these losses would be covered under the personal auto policy's liability coverage? (2023)

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Which of the following covered losses are included in a personal automobile policy?

It may include liability, medical payment coverage, comprehensive, or collision coverage, depending on your policy. A personal auto policy is insurance on your personal vehicle. It may include liability, medical payment coverage, comprehensive, or collision coverage, depending on your policy.

Which of the following losses would be covered under the personal auto policy other than collision coverage?

Losses include but are not limited to fire, theft or larceny, explosion or earthquake, windstorm, hail, water, flood, malicious mischief, vandalism, riot, contact with an animal, and glass breakage.

What types of losses can auto insurance cover?

This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object. Comprehensive covers events such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer.

Which loss is considered a collision loss under the personal auto policy?

Collision coverage refers to direct or accidental physical damage to the insured's car as the result of upset (flipping over) or impact with another vehicle or object (other than an animal).

Which of the following is not covered by personal liability insurance?

Intentional harm or damage: Injuries or damages you or a household member purposely cause to someone else are not covered. Your own injuries or damages: Personal liability coverage doesn't apply to accidental injuries or damages you cause to you or your family.

What are 4 main types of automotive coverage insurance?

auto liability coverage. uninsured and underinsured motorist coverage. comprehensive coverage. collision coverage.

Which of the following would not be covered under the liability section of a personal auto policy quizlet?

-Liability coverage is not provided for: Damage to property owned, being transported, or in the care of the insured. Whose policy will be primary for bodily injury coverage for the injured party if a neighbor borrows an insured's car and injures a pedestrian? -Auto coverage follows the vehicle.

What type of losses is not covered by the personal injury protection PIP in auto policies?

31 states, including California and Illinois, do not offer PIP coverage. PIP covers medical expenses, funeral expenses, lost income, childcare expenses, survivors' loss benefits, and household services. PIP does not cover vehicle damage, property damage, or injuries sustained by people outside your car.

Which of the following 3 are types of auto insurance coverage?

The three types of car insurance that are universally offered are liability, comprehensive, and collision insurance. Drivers can still purchase other types of auto insurance coverage, like personal injury protection and uninsured/underinsured motorist, but they are not available in every state.

What are the 2 types of losses in insurance?

Direct Loss Insurance and Indirect Loss Insurance Coverage

Business insurance policies will usually specify that they cover "direct losses" and “physical loses” in the case of damage caused by a disaster.

What are the 5 basic types of auto insurance?

5 Types of Car Insurance Coverage Explained
  • Liability Insurance. Liability insurance covers you in the event you are in a covered car accident and it is determined the accident is a result of your actions. ...
  • Collision Coverage. ...
  • Comprehensive Coverage. ...
  • Personal Injury Protection. ...
  • Uninsured /Underinsured Motorist Protection.

What is a personal liability loss?

Personal liability occurs in the event an accident, in or out of your home, that results in bodily injury or property damage that you are held legally responsible for.

What is considered a liability loss?

It is when you are legally responsible for a financial loss of another. This liability can arise out of: intentional torts; unintentional acts/negligence; and. contracts.

What are the areas covered in part a liability coverage in a personal automobile policy quizlet?

Part A. Bodily injury and property damage to others is covered under Part A--Liability to Others Coverage when the accident is due to the insured's negligence.

What does the personal liability cover?

The personal liability coverage within your homeowners policy provides coverage to pay for claims of bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.

Which one of the following is covered under liability only policy?

Liability to third parties bodily injury and or death and property damage. Personal accident cover for the owner driver for a specified sum insured.

What all is included in liability insurance?

What is liability coverage? Liability coverage pays for property damage and/or injuries to another person caused by an accident in which you're at fault. This coverage is required by most states to legally drive your vehicle. Liability coverage is broken down into 2 parts: property damage and bodily injury.

What are three types of insurance to cover losses?

Life insurance will help provide financially for your survivors. Health insurance protects you from catastrophic bills in case of a serious accident or illness. Long-term disability protects you from an unexpected loss of income. Auto insurance prevents you from bearing the financial burden of an expensive accident.

What are the 4 types of coverage?

The 4 main types of insurance coverage are life, health, auto, and home insurance.

What are the three 3 main types of insurance?

  • Health insurance. It allows the insured to cover up medical expenses while visiting a doctor and other major costs usually involved during surgeries. ...
  • Life insurance. ...
  • Rental or property insurance.
Jan 28, 2014

Which of the following are not covered under insurance?

Health insurance typically covers most doctor and hospital visits, prescription drugs, wellness care, and medical devices. Most health insurance will not cover elective or cosmetic procedures, beauty treatments, off-label drug use, or brand-new technologies.

Which of the following perils is normally excluded from coverage in a personal auto policy quizlet?

All of the following perils would typically be covered by Other than Collision coverage in a personal auto policy, EXCEPT: Rollover.

Which of the following contingencies is not covered under personal accident policy?

A personal accident policy does not cover third-party liability or injury.

What are the types of personal accident insurance?

There are two different types of personal accident insurance available, namely individual personal accident cover and group personal accident cover. These policies also provide coverage for accidents that occur while travelling by road, air, and rail.

What are the 8 types of coverage available for an automobile?

What are the different types of car insurance?
  • Liability coverage. ...
  • Collision insurance. ...
  • Comprehensive insurance. ...
  • Uninsured motorist insurance. ...
  • Underinsured motorist insurance. ...
  • Medical payments coverage. ...
  • Personal injury protection insurance. ...
  • Gap insurance.

What three types of auto insurance coverage are the most important to have?

The most important ones are liability, comprehensive and collision coverage. We'll call them the Big Three. Think of them as the basics—coverage you can't afford to go without.

What are the different types of losses?

The four main types of loss are resistive loss, eddy currents, hysteresis, and flux loss.

What are the two types of liability coverage?

It's important to note there are two types of liability coverage: bodily injury and property damage.

What are the 2 main types of losses in a motor?

Intrinsic losses are of two types: fixed losses - independent of motor load, and variable losses - dependent on load. Fixed losses consist of magnetic core losses and friction and windage losses. Magnetic core losses (sometimes called iron losses) consist of eddy current and hysteresis losses in the stator.

Which of the following is included in the personal auto policy's coverage territory?

Your Personal Auto Policy (PAP) extends auto liability, uninsured / underinsured motorist, and medical payments coverage (if purchased) to any “non-owned auto”, including a rental car.

Which of the following is included in vehicle insurance policy?

Auto insurance generally includes: Loss or damage by crash, fire, lightning, self ignition, external explosion, burglary, housebreaking or theft, malicious act. Liability for third-party injury/death, third-party property and liability to paid driver.

What type of losses is not covered by the personal injury protection?

PIP covers medical expenses, funeral expenses, lost income, childcare expenses, survivors' loss benefits, and household services. PIP does not cover vehicle damage, property damage, or injuries sustained by people outside your car.

What is personal auto insurance?

Personal auto insurance only covers accidents that occur while you're driving your vehicle for personal use. That includes commuting to and from work and travel unrelated to your job duties. Policies typically insure the owner of the vehicle and one or two immediate family members.

Which of the following coverages is provided by the PAP?

The PAP separates liability coverage into two parts: bodily injury coverage and property damage coverage.

Which of the following is not covered by a business auto policy?

Comprehensive Coverage under the Business Auto Coverage Form is a broad open perils coverage that covers damage from perils not excluded. Collision is excluded under the policy.

Which are 4 types of insurance coverages *?

There are, however, four types of insurance that most financial experts recommend we all have: life, health, auto, and long-term disability."

Which is not covered in personal accident?

Injuries from a civil or foreign war: If the burns, broken bones, permanent partial disability, permanent total disability, dismemberment, temporary partial disability, temporary total disability, death, hospitalization, etc.

Which of the following is covered in personal accident?

Definition Of Personal Accident Insurance

It covers hospitalisation, pre-and post-hospitalisation, and offers daily cash allowance up to 30 days, depending on the insurer.

Which would be covered by the liability portion of your insurance policy quizlet?

Liability coverage insures you against the cost of injury and damage you cause to another in an automobile accident. It's made up of two policies, bodily injury liability, and property damage liability. Auto liability insurance is required in virtually every state.

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