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1、1 Copyright 2011 Pearson Education, Inc. Principles of Risk Management and Insurance, 11e (Rejda) Chapter 22 Auto Insurance 1) Which of the following statements about the liability limits of the PAP is (are) true? I. The policy is written with split limits of liability. II. Prejudgment interest is c
2、onsidered part of the damage award and is subject to the policy limit of liability. A) I only B) II only C) both I and II D) neither I nor II Answer: C Question Status: Previous Edition 2) Which of the following statements about the payment of defense costs by the PAP is (are) true? I. They are paid
3、 in addition to the policy limits. II. They are payable even after the limit of liability is exhausted. A) I only B) II only C) both I and II D) neither I nor II Answer: A Question Status: Previous Edition 3) All of the following are covered autos under the liability section of the PAP EXCEPT A) a n
4、onowned van which is driven by the insured on a regular basis. B) a trailer owned by the named insured. C) a borrowed auto used by the insured as a substitute for a stolen covered auto. D) a newly acquired auto which replaces a vehicle previously described in the policy. Answer: A Question Status: P
5、revious Edition 4) All of the following are insured persons under the liability coverage of the PAP EXCEPT A) a friend to whom the named insured loans a covered auto. B) the employer of the named insured for actions resulting from the named insureds use of a covered auto. C) the former spouse of the
6、 named insured who moved out of the home 2 years ago when the divorce was finalized. D) a relative of the named insured if a member of the same household. Answer: C Question Status: Previous Edition 2 Copyright 2011 Pearson Education, Inc. 5) Which of the following persons is (are) covered for liabi
7、lity insurance under the PAP? I. A family member who drives a covered auto. II. A family member who occasionally drives a friends auto. A) I only B) II only C) both I and II D) neither I nor II Answer: C Question Status: Previous Edition 6) All of the following are covered as supplementary payments
8、under the liability section of the PAP EXCEPT A) the cost of an appeal bond in a lawsuit stemming from an auto accident. B) the cost of a bail bond for a traffic violation when no accident is involved. C) interest which accrues on a liability judgment covered by the policy. D) reasonable expenses in
9、curred by the insured to testify at a trial involving a lawsuit covered by the policy. Answer: B Question Status: Revised 7) Which of the following situations would be covered by the liability section of an unendorsed PAP if the insured is legally liable? A) The insured injures a pedestrian while op
10、erating a friends new motorcycle. B) The insured backs into and damages the garage door of his rented house. C) A friends suitcase and laptop computer were damaged in an auto accident while the insured and the friend were vacationing together. D) The insured damages a parked car while driving a dump
11、 truck for his or her employer. Answer: B Question Status: Previous Edition 8) What is the purpose of the extended nonowned liability coverage endorsement to the PAP? A) to provide liability coverage for an insureds employer when an insured uses his or her auto for business purposes B) to provide li
12、ability coverage for an insured who occasionally operates a nonowned auto C) to provide liability coverage for anyone who loans a covered auto to another driver D) to provide liability coverage for an insured who operates a nonowned auto on a regular basis Answer: D Question Status: Previous Edition
13、 3 Copyright 2011 Pearson Education, Inc. 9) Which of the following situations would be covered under the liability section of the PAP? I. A mechanic is sued by a pedestrian who is injured when the mechanic has an accident while road testing the insureds auto. II. The daughter of the named insured i
14、s sued after she has an accident when a new friend she just met at a campus hangout lets her drive his car. A) I only B) II only C) both I and II D) neither I nor II Answer: B Question Status: Previous Edition 10) Larry has $25,000 of bodily injury liability coverage under his PAP. This limit is the
15、 minimum amount required by his state to be considered financially responsible. While on a vacation, Larry visited a neighboring state which has a minimum financial responsibility limit of $50,000 for bodily injury. Which of the following statements describes the situation for Larry while he was in
16、the neighboring state? A) Larrys policy was suspended while he was in the neighboring state. B) Larry had only $25,000 of liability coverage. C) Larrys policy automatically provided $50,000 of liability coverage. D) Larrys policy automatically provided $100,000 of liability coverage. Answer: C Question Status: Previous Edition 11) John occasionally borrows the car of his friend, Sophie. Sophie has a PAP with liability limits of 100/300/50. John also has a PAP, and his liability limits 250
