State Farm Auto Booklet Exam (Latest 2023/2024)

State Farm Auto Booklet Who is covered under an Auto Policy? ANS- You, your spouse and any other person using the car with your consent are covered for Your Car, A Temp Substitute Car, A Car that Replaces your car How long will your policy provide coverage for a newly acquired car? ANS- Up to 14 days after you take possession of the car. Liability- Coverage A ANS- Pays damages due to bodily injury and property damage to others for whch you are responsible. If you are sued, it also pays your defense and court costs. Medical Payments- Coverage C ANS- Pays medical and funeral expenses for bodily injury sustained by a covered person in a car accident. Expenses must be reasonable and necessary, and for services furnished within three years after the accident What is the most Medican Payments coverage will pay for funeral expenses? ANS- The lower of your limit or $3,000 Uninsured Motor Vehicle Coverage (U and U1) ANS- Coverage U pays damages when an insured is injured in a car accident caused by another person who does not have any liability insurance. Coverage U1 pays damages for the insured's injuries the same as coverage U, in addition to property damage caused by accident by another person who does not have any liability insurance. Underinsured Motor Vehicle Coverage ANS- Pays damages when an insured is injured in a car accident caused by another person who has liability insurance, but whose available limits are less than the limits you chose for this coverage. Comprehensive Coverage ANS- Pays for a covered car that is stolen or damaged by causes other than collision or upset. Comprehensive will also pay for substitute transportation expenses of up to $25 a day, up to a total of $750, if your car is stolen. Collision Coverage ANS- Pays for a covered car that is damaged by collision with another object or by the overturning of the car. A deductible is required. Emergency Road Service Coverage ANS- Pays the reasonable expense for Mechanical labor for up to one hour at the place of its breakdown, Towing to the nearest place where repairs can be made, Towing the car out if it is stuck on or next to a public road, Delivery of gas, oil, battery, or change or tire, but no the cost of such items, locksmith labor for up to one hour to unlock a covered car it its key is lost stolen, or locked inside the car