NYS Property and Casualty - Auto
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Insurance questions with answers |\ |\ |\
personal auto policy - CORRECT ANSWERS ✔✔for owners
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of private passenger vehicles, physical damage insurance
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on the car and liability insurance for claims from use of
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the auto |\
other than collision - CORRECT ANSWERS ✔✔covers
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losses caused by missiles or falling objects, fire, theft,
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explosion/earthquake, windstorm, hail, water, flood, VMM, |\ |\ |\ |\ |\
riot or civil commotion, contact with birds/animals,
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breakage of glass |\ |\
supplementary payments - CORRECT ANSWERS |\ |\ |\ |\ |\
✔✔insurer will pay |\ |\
bail bonds - $250
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other reasonable expenses
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$200/day for loss of wages for assisting in legal
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proceedings
exclusions - CORRECT ANSWERS ✔✔intentional |\ |\ |\ |\
damage/injury, commercial vehicles, livery, damage
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, caused by someone servicing, parking the vehicle,
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anything with < 4 wheels, |\ |\ |\ |\
split limit - CORRECT ANSWERS ✔✔25/50/10 25,000
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bodily injury per person, 50,000 per occurrence, 10,000
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for property damage
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combined single limit - CORRECT ANSWERS ✔✔single |\ |\ |\ |\ |\ |\ |\
limit for bodily injury and property damage
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out of state coverage - CORRECT ANSWERS ✔✔limits
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adjust to the minimum limits of that state when insured is
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involved in an accident
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PAP medical payments - CORRECT ANSWERS ✔✔within 3
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years of accident |\ |\
uninsured motorist - CORRECT ANSWERS ✔✔no liability |\ |\ |\ |\ |\ |\ |\
bond/insurance for the vehicle |\ |\ |\
insurance is less than required by the state |\ |\ |\ |\ |\ |\ |\
driver cannot be identified (hit and run)
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insurance company denies coverage/is insolvent. other |\ |\ |\ |\ |\ |\
drive is AT FAULT |\ |\ |\
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Insurance questions with answers |\ |\ |\
personal auto policy - CORRECT ANSWERS ✔✔for owners
|\ |\ |\ |\ |\ |\ |\ |\
of private passenger vehicles, physical damage insurance
|\ |\ |\ |\ |\ |\
on the car and liability insurance for claims from use of
|\ |\ |\ |\ |\ |\ |\ |\ |\ |\ |\ |\
the auto |\
other than collision - CORRECT ANSWERS ✔✔covers
|\ |\ |\ |\ |\ |\ |\
losses caused by missiles or falling objects, fire, theft,
|\ |\ |\ |\ |\ |\ |\ |\ |\
explosion/earthquake, windstorm, hail, water, flood, VMM, |\ |\ |\ |\ |\
riot or civil commotion, contact with birds/animals,
|\ |\ |\ |\ |\ |\ |\ |\
breakage of glass |\ |\
supplementary payments - CORRECT ANSWERS |\ |\ |\ |\ |\
✔✔insurer will pay |\ |\
bail bonds - $250
|\ |\ |\
other reasonable expenses
|\ |\ |\
$200/day for loss of wages for assisting in legal
|\ |\ |\ |\ |\ |\ |\ |\ |\
proceedings
exclusions - CORRECT ANSWERS ✔✔intentional |\ |\ |\ |\
damage/injury, commercial vehicles, livery, damage
|\ |\ |\ |\ |\ |\
, caused by someone servicing, parking the vehicle,
|\ |\ |\ |\ |\ |\ |\
anything with < 4 wheels, |\ |\ |\ |\
split limit - CORRECT ANSWERS ✔✔25/50/10 25,000
|\ |\ |\ |\ |\ |\ |\
bodily injury per person, 50,000 per occurrence, 10,000
|\ |\ |\ |\ |\ |\ |\ |\
for property damage
|\ |\
combined single limit - CORRECT ANSWERS ✔✔single |\ |\ |\ |\ |\ |\ |\
limit for bodily injury and property damage
|\ |\ |\ |\ |\ |\
out of state coverage - CORRECT ANSWERS ✔✔limits
|\ |\ |\ |\ |\ |\ |\ |\
adjust to the minimum limits of that state when insured is
|\ |\ |\ |\ |\ |\ |\ |\ |\ |\
involved in an accident
|\ |\ |\ |\
PAP medical payments - CORRECT ANSWERS ✔✔within 3
|\ |\ |\ |\ |\ |\ |\ |\
years of accident |\ |\
uninsured motorist - CORRECT ANSWERS ✔✔no liability |\ |\ |\ |\ |\ |\ |\
bond/insurance for the vehicle |\ |\ |\
insurance is less than required by the state |\ |\ |\ |\ |\ |\ |\
driver cannot be identified (hit and run)
|\ |\ |\ |\ |\ |\
insurance company denies coverage/is insolvent. other |\ |\ |\ |\ |\ |\
drive is AT FAULT |\ |\ |\
