
Casualty Policies Quiz

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Professional Development
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Hard
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15 questions
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1.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
What is the purpose of Split Limits in an auto insurance policy?
To cover medical expenses regardless of fault
To separate coverage into per-person BI, per-accident BI, and per-accident PD limits
To cover uninsured motorists
To provide a single pool of liability money
Answer explanation
Split Limits in an auto insurance policy separate coverage into specific amounts: per-person bodily injury (BI), per-accident BI, and per-accident property damage (PD). This structure helps define liability limits clearly.
2.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
What does Bodily Injury Liability cover?
Medical expenses for you and your passengers
Repair or replacement of your own vehicle
Medical bills, lost wages, and pain-and-suffering of other people injured in a crash
Damage to your own property
Answer explanation
Bodily Injury Liability covers the medical bills, lost wages, and pain-and-suffering of other people injured in a crash, making it essential for protecting you against claims from others.
3.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
Which type of coverage pays for damage to your own vehicle when it hits another vehicle or object?
Comprehensive
Collision
Uninsured Motorists
Medical Payments
Answer explanation
Collision coverage pays for damage to your own vehicle when it collides with another vehicle or object. This type of insurance is specifically designed to cover such incidents, unlike comprehensive or other types.
4.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
What is the purpose of Transportation Expense & Rental Reimbursement coverage?
To pay rental car or taxi costs if your car is stolen or under repair for a covered loss
To cover medical expenses for you and your passengers
To cover damage to your own vehicle
To provide additional liability limits over primary policies
Answer explanation
The purpose of Transportation Expense & Rental Reimbursement coverage is to pay for rental car or taxi costs if your car is stolen or under repair due to a covered loss, making it the correct choice.
5.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
What does Medical Payments (MedPay) coverage reimburse?
Legal obligations for bodily injury
Damage to others’ property
Medical and funeral expenses for you and your passengers
Repair or replacement of your own vehicle
Answer explanation
Medical Payments (MedPay) coverage specifically reimburses medical and funeral expenses for you and your passengers, making it the correct choice. It does not cover legal obligations, property damage, or vehicle repairs.
6.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
Who is considered an 'insured' under a personal auto policy?
Only the named insured on the declarations page
Only the resident spouse
Named insured, resident spouse and family members, permissive drivers, passengers, and personal representatives
Only the person driving the car at the time of the accident
Answer explanation
Under a personal auto policy, an 'insured' includes the named insured, their resident spouse, family members, permissive drivers, passengers, and personal representatives, making this the most comprehensive choice.
7.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
What is a common exclusion in personal auto policies?
Damage from theft
Use as public livery (Uber, taxi) unless endorsed
Medical expenses for passengers
Damage from a collision
Answer explanation
A common exclusion in personal auto policies is the use of the vehicle as public livery, such as for Uber or taxi services, unless specifically endorsed. This means coverage is not provided for such uses without an endorsement.
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