CIC - PERSONAL LINES - AUTO POLICY
EXAM QUESTIONS WITH VERIFIED
ANSWERS
Part B - Medical Payments coverage - Answer-not admission of fault/guilt
goodwill insurance
obj 13
know the time period for payment - Answer-Pays reasonable expenses for necessary
medical and funeral expenses caused by accident, sustained by an insured, within 3
years from date of accident
obj 14
identify who is an insured - Answer-1. you and your family while occupying or as a
pedestrian when struck by a motor vehicle designed for use on public roads
2. any other person while occupying your covered auto or any other motor vehicle
operated by you or a family member if the motor vehicle is a PPA or trailer
obj 15
Identify and be able to explain the exclusions - Answer-occupying your covered auto
when it is being used as public or livery conveyance
while occupying any vehicle located for use as a residence premises (campground)
while occupying or when struck by any vehicle other than your covered auto that: you
own, or furnished or available for your use
occupying a vehicle without reasonable belief that the person is entitled to do so (does
not apply to family members)
occupying any auto not owned or furnished or available for regular use while used to
carry persons for a fee. Doesn't apply to carpool
obj 15
more exclusions... - Answer-any auto not owned or furnished... auto business use
war, civil war, insurrection, rebellion or revolution
vehicle less than 4 wheels
racing
, obj 16
Know how the limits of liability are applied in a claim situation - Answer-limits in dec
page show max limit paid per person, per occurrence, regardless of number of claims,
vehicles involved, vehicles covered.
no person will be paid more than once
any insurance we provide for a vehicle you do not own will be excess (insurance follows
the car, not the driver)
obj 17
who is an insured for UM/UIM coverage - Answer-you or any family member
any other person occupying your covered auto
any person entitled to recover because of BI to which this coverage applies sustained
by a person described in above
obj 18
understand and identify the coverage triggers - Answer-applies when no liability applies
at time of accident
liability policy applies, but less than min limit of liability
BI only when hit-and-run vehicle, whose operator cannot be identified, and hits you or
family member
when liability policy applies, but company denies coverage or becomes insolvent
uninsured motor vehicle does not include - Answer-owned or furnished (don't file a claim
against yourself)
owned or operated by a self-insurer except one that becomes insolvent.
owned or operated by US, Canada, or State government
operated on rails or crawler treads
designed for use off of public roads while not on public roads
while located for use as a residence premises
obj 19
explain the application of all exclusions - Answer-do not pay BI or PD if
person settles BI without consent
EXAM QUESTIONS WITH VERIFIED
ANSWERS
Part B - Medical Payments coverage - Answer-not admission of fault/guilt
goodwill insurance
obj 13
know the time period for payment - Answer-Pays reasonable expenses for necessary
medical and funeral expenses caused by accident, sustained by an insured, within 3
years from date of accident
obj 14
identify who is an insured - Answer-1. you and your family while occupying or as a
pedestrian when struck by a motor vehicle designed for use on public roads
2. any other person while occupying your covered auto or any other motor vehicle
operated by you or a family member if the motor vehicle is a PPA or trailer
obj 15
Identify and be able to explain the exclusions - Answer-occupying your covered auto
when it is being used as public or livery conveyance
while occupying any vehicle located for use as a residence premises (campground)
while occupying or when struck by any vehicle other than your covered auto that: you
own, or furnished or available for your use
occupying a vehicle without reasonable belief that the person is entitled to do so (does
not apply to family members)
occupying any auto not owned or furnished or available for regular use while used to
carry persons for a fee. Doesn't apply to carpool
obj 15
more exclusions... - Answer-any auto not owned or furnished... auto business use
war, civil war, insurrection, rebellion or revolution
vehicle less than 4 wheels
racing
, obj 16
Know how the limits of liability are applied in a claim situation - Answer-limits in dec
page show max limit paid per person, per occurrence, regardless of number of claims,
vehicles involved, vehicles covered.
no person will be paid more than once
any insurance we provide for a vehicle you do not own will be excess (insurance follows
the car, not the driver)
obj 17
who is an insured for UM/UIM coverage - Answer-you or any family member
any other person occupying your covered auto
any person entitled to recover because of BI to which this coverage applies sustained
by a person described in above
obj 18
understand and identify the coverage triggers - Answer-applies when no liability applies
at time of accident
liability policy applies, but less than min limit of liability
BI only when hit-and-run vehicle, whose operator cannot be identified, and hits you or
family member
when liability policy applies, but company denies coverage or becomes insolvent
uninsured motor vehicle does not include - Answer-owned or furnished (don't file a claim
against yourself)
owned or operated by a self-insurer except one that becomes insolvent.
owned or operated by US, Canada, or State government
operated on rails or crawler treads
designed for use off of public roads while not on public roads
while located for use as a residence premises
obj 19
explain the application of all exclusions - Answer-do not pay BI or PD if
person settles BI without consent
