RMIN 4000 UGA EDMUNDS EXAM SCRIPT UPDATED
QUESTIONS AND ANSWERS SURE A+
✔✔what are some tort liability problems? - ✔✔defective tort system, medical sector
claims, and class action lawsuits
✔✔what types of vehicle are covered under a PAP - ✔✔private passenger vehicle,
station wagon, sports utility vehicle (SUV), and pickup truck or van (weighs <10,000
pounds and not for business use)
✔✔Insurance Services Office (ISO) - ✔✔a provider of statistical, actuarial, underwriting,
claims information, and analytics with compliance and fraud identification tools
✔✔definition of "your covered auto" - ✔✔Any auto shown in declarations, a "newly
acquired auto", a "trailer" owned by the named insured, or a temporary substitute
vehicle
✔✔PAP - ✔✔Personal Auto Policy
✔✔PAP liability coverage - ✔✔Protects a covered person against suit or claim arising
out of ownership or operation of a covered vehicle. covers damages and defense costs
✔✔Split-Limit Coverage - ✔✔liability coverage that allows for separate coverage limits
for bodily injury and property damage, split-coverage limits per person, or both. (injury
per person/injury per accident/property damage per accident)
✔✔combined single limit - ✔✔liability coverage for bodily injury and property damage in
one limit
✔✔compulsory insurance laws - ✔✔Require motorists to carry at least a minimum
amount of liability insurance before the vehicle can be licensed or registered (GA
minimum is 25k/50/25)
✔✔who are insured persons under liability coverage? - ✔✔named insured and resident
family members, persons using named insured's covered auto WITH permission,
person or org. legally responsible for insured use of covered auto on their behalf, and
those legally responsible for named insured or family's use of any other auto or trailer
✔✔exclusions to liability coverage - ✔✔intentional injury or harm; property owned or
transported; property rented, used, or in insured's care; used as a public or livery
conveyance; vehicles used in a business; vehicles with fewer than four wheels; using a
vehicle without reasonable belief the person is entitled to do so
, ✔✔other liability coverage provisions - ✔✔out of state coverage ( policy limits match
state you are in) and multiple policy loss (primary liability coverage follows the vehicle,
insurer pays pro rata share of loss)
✔✔PAP medical payments coverage - ✔✔Covers reasonable medical expenses
incurred by an insured in an accident. Coverage is not based on fault. covers within 3
years from date of accident. limits range from 1k-10k per person
✔✔who has medical payments coverage under PAP - ✔✔The named insured and
family members
(While occupying any motor vehicle and as pedestrians when struck by a motor vehicle)
and other person occupying a covered auto or owned vehicle
✔✔medical payment coverage exclusions - ✔✔Occupying any vehicle with fewer than
four wheels, public of livery conveyance, using the vehicle as a residence, or vehicle
used during the course of employment (would likely be covered under workers' comp.)
✔✔other medical payment coverage provisions - ✔✔if more than one policy covers a
loss: The insurer pays its pro rata share of the loss for an owned vehicle, and insurance
coverage is excess over any other insurance for a non-owned vehicle
✔✔percentage of uninsured motorists in GA - ✔✔12%
✔✔what does uninsured motorists coverage protect against? - ✔✔Covers bodily injury
caused by: an uninsured motorist, a hit and run driver, or a negligent driver whose
insurance company is insolvent. Also could cover property damage if uninsured is
responsible (and depends on the state)
✔✔who has uninsured motorists coverage under PAP? - ✔✔The named insured and
family members, another person while occupying the auto, and any person legally
entitled to recover damages
✔✔what vehicles are considered to be uninsured vehicles? - ✔✔A motor vehicle or
trailer for which no bodily injury liability insurance policy applies at the time of accident,
an insured vehicle with less coverage than the amount required by the state's financial
responsibility law, a hit and run vehicle, or a vehicle covered by an insurer that denies
coverage or becomes insolvent
✔✔exclusions to uninsured motorist coverage - ✔✔Uninsured motor vehicles owned by
the insured to a family member, the insured settles a claim without the insurer's
consent, vehicle is used as a public or livery conveyance, when workers' comp. Benefits
are applicable, there is no reasonable belief the person is entitled to use that vehicle,
and no coverage for punitive damages
QUESTIONS AND ANSWERS SURE A+
✔✔what are some tort liability problems? - ✔✔defective tort system, medical sector
claims, and class action lawsuits
✔✔what types of vehicle are covered under a PAP - ✔✔private passenger vehicle,
station wagon, sports utility vehicle (SUV), and pickup truck or van (weighs <10,000
pounds and not for business use)
✔✔Insurance Services Office (ISO) - ✔✔a provider of statistical, actuarial, underwriting,
claims information, and analytics with compliance and fraud identification tools
✔✔definition of "your covered auto" - ✔✔Any auto shown in declarations, a "newly
acquired auto", a "trailer" owned by the named insured, or a temporary substitute
vehicle
✔✔PAP - ✔✔Personal Auto Policy
✔✔PAP liability coverage - ✔✔Protects a covered person against suit or claim arising
out of ownership or operation of a covered vehicle. covers damages and defense costs
✔✔Split-Limit Coverage - ✔✔liability coverage that allows for separate coverage limits
for bodily injury and property damage, split-coverage limits per person, or both. (injury
per person/injury per accident/property damage per accident)
✔✔combined single limit - ✔✔liability coverage for bodily injury and property damage in
one limit
✔✔compulsory insurance laws - ✔✔Require motorists to carry at least a minimum
amount of liability insurance before the vehicle can be licensed or registered (GA
minimum is 25k/50/25)
✔✔who are insured persons under liability coverage? - ✔✔named insured and resident
family members, persons using named insured's covered auto WITH permission,
person or org. legally responsible for insured use of covered auto on their behalf, and
those legally responsible for named insured or family's use of any other auto or trailer
✔✔exclusions to liability coverage - ✔✔intentional injury or harm; property owned or
transported; property rented, used, or in insured's care; used as a public or livery
conveyance; vehicles used in a business; vehicles with fewer than four wheels; using a
vehicle without reasonable belief the person is entitled to do so
, ✔✔other liability coverage provisions - ✔✔out of state coverage ( policy limits match
state you are in) and multiple policy loss (primary liability coverage follows the vehicle,
insurer pays pro rata share of loss)
✔✔PAP medical payments coverage - ✔✔Covers reasonable medical expenses
incurred by an insured in an accident. Coverage is not based on fault. covers within 3
years from date of accident. limits range from 1k-10k per person
✔✔who has medical payments coverage under PAP - ✔✔The named insured and
family members
(While occupying any motor vehicle and as pedestrians when struck by a motor vehicle)
and other person occupying a covered auto or owned vehicle
✔✔medical payment coverage exclusions - ✔✔Occupying any vehicle with fewer than
four wheels, public of livery conveyance, using the vehicle as a residence, or vehicle
used during the course of employment (would likely be covered under workers' comp.)
✔✔other medical payment coverage provisions - ✔✔if more than one policy covers a
loss: The insurer pays its pro rata share of the loss for an owned vehicle, and insurance
coverage is excess over any other insurance for a non-owned vehicle
✔✔percentage of uninsured motorists in GA - ✔✔12%
✔✔what does uninsured motorists coverage protect against? - ✔✔Covers bodily injury
caused by: an uninsured motorist, a hit and run driver, or a negligent driver whose
insurance company is insolvent. Also could cover property damage if uninsured is
responsible (and depends on the state)
✔✔who has uninsured motorists coverage under PAP? - ✔✔The named insured and
family members, another person while occupying the auto, and any person legally
entitled to recover damages
✔✔what vehicles are considered to be uninsured vehicles? - ✔✔A motor vehicle or
trailer for which no bodily injury liability insurance policy applies at the time of accident,
an insured vehicle with less coverage than the amount required by the state's financial
responsibility law, a hit and run vehicle, or a vehicle covered by an insurer that denies
coverage or becomes insolvent
✔✔exclusions to uninsured motorist coverage - ✔✔Uninsured motor vehicles owned by
the insured to a family member, the insured settles a claim without the insurer's
consent, vehicle is used as a public or livery conveyance, when workers' comp. Benefits
are applicable, there is no reasonable belief the person is entitled to use that vehicle,
and no coverage for punitive damages
