Quiz 3 Day 4 General Lines
Quiz by Brian Morton
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- Q1
What is the purpose of the symbols listed in a business auto policy (BAP)?
The BAP uses numerical symbols to indicate which autos are protected by each coverage listed in Item Two of the declarations.
They indicate the solvency rating of the insurer.
They identify the insurance company that provides the coverage.
They indicate the coverages that apply to the insured vehicle(s).
60s - Q2
The private passenger autos in Parker's fleet are sometimes used for nonbusiness purposes. His trucks are used only for business purposes. Why should Parker use symbol 3 to indicate which vehicles have medical payments coverage?
Parker does not need medical payments coverage on newly acquired vehicles.
Parker wants medical payments coverage only on his trucks.
Parker does not need medical payments coverage on his trucks because workers compensation covers employees' injuries arising from the trucks' use.
Medical payments coverage is only available for private passenger autos.
60s - Q3
Which expense is NOT covered as property damage by a business auto policy (BAP)?
lease of a substitute vehicle while a covered auto is repaired
damage to property transported in a covered auto
repairs to a covered auto damaged in a collision
damage to a structure caused by a covered auto
60s - Q4
During a delivery, a radiator hose on Roger's van bursts. Antifreeze and water stain the customer's concrete driveway, and the customer wants Roger to pay to have the driveway resurfaced. Roger's business auto policy (BAP) will:
exclude coverage for this discharge of a pollutant
cover damage from the water but not from the antifreeze
not cover this accidental discharge
cover this damage
60s - Q5
In a trailer interchange agreement, a motor carrier agrees to:
avoid using another carrier's trucks
exchange trailers with another carrier
avoid using another carrier's trailers
exchange trucks with another carrier
60s - Q6
Arnold's Auto Repair Shop's garage policy does NOT cover it for loss sustained by a vehicle that it:
is selling to a customer
is painting for a customer
owns
hires
60s - Q7
In which case would a garage coverage form NOT protect the named insured?
A customer slips and falls on a wet floor at an auto dealership.
A customer buys a car that rapidly depreciates in value.
A customer is injured in a crash after a garage replaces his brake shoes.
A customer is injured by a pest control service spray used at an auto dealership.
60s