瑞达 Rejda 保险教材英文练习题22.docx
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瑞达 Rejda 保险教材英文练习题22.docx
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瑞达Rejda保险教材英文练习题22
PrinciplesofRiskManagementandInsurance,11e(Rejda)
Chapter22AutoInsurance
1)WhichofthefollowingstatementsabouttheliabilitylimitsofthePAPis(are)true
I.Thepolicyiswrittenwithsplitlimitsofliability.
II.Prejudgmentinterestisconsideredpartofthedamageawardandissubjecttothepolicylimitofliability.
A)Ionly
B)IIonly
C)bothIandII
D)neitherInorII
Answer:
C
QuestionStatus:
PreviousEdition
2)WhichofthefollowingstatementsaboutthepaymentofdefensecostsbythePAPis(are)true
I.Theyarepaidinadditiontothepolicylimits.
II.Theyarepayableevenafterthelimitofliabilityisexhausted.
A)Ionly
B)IIonly
C)bothIandII
D)neitherInorII
Answer:
A
QuestionStatus:
PreviousEdition
3)AllofthefollowingarecoveredautosundertheliabilitysectionofthePAPEXCEPT
A)anonownedvanwhichisdrivenbytheinsuredonaregularbasis.
B)atrailerownedbythenamedinsured.
C)aborrowedautousedbytheinsuredasasubstituteforastolencoveredauto.
D)anewlyacquiredautowhichreplacesavehiclepreviouslydescribedinthepolicy.
Answer:
A
QuestionStatus:
PreviousEdition
4)AllofthefollowingareinsuredpersonsundertheliabilitycoverageofthePAPEXCEPT
A)afriendtowhomthenamedinsuredloansacoveredauto.
B)theemployerofthenamedinsuredforactionsresultingfromthenamedinsured'suseofacoveredauto.
C)theformerspouseofthenamedinsuredwhomovedoutofthehome2yearsagowhenthedivorcewasfinalized.
D)arelativeofthenamedinsuredifamemberofthesamehousehold.
Answer:
C
QuestionStatus:
PreviousEdition
5)Whichofthefollowingpersonsis(are)coveredforliabilityinsuranceunderthePAP
I.Afamilymemberwhodrivesacoveredauto.
II.Afamilymemberwhooccasionallydrivesafriend'sauto.
A)Ionly
B)IIonly
C)bothIandII
D)neitherInorII
Answer:
C
QuestionStatus:
PreviousEdition
6)AllofthefollowingarecoveredassupplementarypaymentsundertheliabilitysectionofthePAPEXCEPT
A)thecostofanappealbondinalawsuitstemmingfromanautoaccident.
B)thecostofabailbondforatrafficviolationwhennoaccidentisinvolved.
C)interestwhichaccruesonaliabilityjudgmentcoveredbythepolicy.
D)reasonableexpensesincurredbytheinsuredtotestifyatatrialinvolvingalawsuitcoveredbythepolicy.
Answer:
B
QuestionStatus:
Revised
7)WhichofthefollowingsituationswouldbecoveredbytheliabilitysectionofanunendorsedPAPiftheinsuredislegallyliable
A)Theinsuredinjuresapedestrianwhileoperatingafriend'snewmotorcycle.
B)Theinsuredbacksintoanddamagesthegaragedoorofhisrentedhouse.
C)Afriend'ssuitcaseandlaptopcomputerweredamagedinanautoaccidentwhiletheinsuredandthefriendwerevacationingtogether.
D)Theinsureddamagesaparkedcarwhiledrivingadumptruckforhisorheremployer.
Answer:
B
QuestionStatus:
PreviousEdition
8)WhatisthepurposeoftheextendednonownedliabilitycoverageendorsementtothePAP
A)toprovideliabilitycoverageforaninsured'semployerwhenaninsureduseshisorherautoforbusinesspurposes
B)toprovideliabilitycoverageforaninsuredwhooccasionallyoperatesanonownedauto
C)toprovideliabilitycoverageforanyonewholoansacoveredautotoanotherdriver
D)toprovideliabilitycoverageforaninsuredwhooperatesanonownedautoonaregularbasis
Answer:
D
QuestionStatus:
PreviousEdition
9)WhichofthefollowingsituationswouldbecoveredundertheliabilitysectionofthePAP
I.Amechanicissuedbyapedestrianwhoisinjuredwhenthemechanichasanaccidentwhileroadtestingtheinsured'sauto.
II.Thedaughterofthenamedinsuredissuedaftershehasanaccidentwhenanewfriendshejustmetatacampushangoutletsherdrivehiscar.
A)Ionly
B)IIonly
C)bothIandII
D)neitherInorII
Answer:
B
QuestionStatus:
PreviousEdition
10)Larryhas$25,000ofbodilyinjuryliabilitycoverageunderhisPAP.Thislimitistheminimumamountrequiredbyhisstatetobeconsideredfinanciallyresponsible.Whileonavacation,Larryvisitedaneighboringstatewhichhasaminimumfinancialresponsibilitylimitof$50,000forbodilyinjury.WhichofthefollowingstatementsdescribesthesituationforLarrywhilehewasintheneighboringstate
A)Larry'spolicywassuspendedwhilehewasintheneighboringstate.
B)Larryhadonly$25,000ofliabilitycoverage.
C)Larry'spolicyautomaticallyprovided$50,000ofliabilitycoverage.
D)Larry'spolicyautomaticallyprovided$100,000ofliabilitycoverage.
Answer:
C
QuestionStatus:
PreviousEdition
11)Johnoccasionallyborrowsthecarofhisfriend,Sophie.SophiehasaPAPwithliabilitylimitsof100/300/50.JohnalsohasaPAP,andhisliabilitylimits250/500/50.JohnhadanaccidentwhileusingSophie'scarandwasfoundtobelegallyliablefor$300,000inbodilyinjuryliability.Howmuchwillbepaidbyeachpolicy
A)Sophie'spolicywillpay$150,000,John'spolicywillpay$150,000.
B)Sophie'spolicywillpay$50,000,John'spolicywillpay$250,000.
C)Sophie'spolicywillpay$100,000,John'spolicywillpay$200,000.
D)John'spolicywillpaytheentireamount.
Answer:
C
QuestionStatus:
PreviousEdition
12)WhichofthefollowingstatementsaboutthemedicalpaymentscoverageofthePAPistrue
A)Theamountofthebenefittypicallyis$100,000.
B)Coveredexpensesmustbeincurredwithin6monthsoftheaccident.
C)Coveredexpensesincludethecostoffuneralservices.
D)Thebenefitlimitappliesonaper-accidentbasisratherthanonaper-personbasis.
Answer:
C
QuestionStatus:
PreviousEdition
13)AllofthefollowingarecoveredpersonsunderthemedicalpaymentscoverageofthePAPEXCEPT
A)afamilymemberofthenamedinsuredifstruckbyanautowhilecrossingthestreet.
B)apedestrianstruckbythenamedinsured'sauto.
C)thenamedinsuredwhoisinjuredwhileoccupyingafriend'sauto.
D)afriendwhoisinjuredwhileoccupyingthenamedinsured'sauto.
Answer:
B
QuestionStatus:
PreviousEdition
14)TonyhasaPAPwhichprovidesmedicalpaymentscoverage.UnderwhichofthefollowingcircumstanceswouldtheinjuredpersonbeeligibleforbenefitsunderTony'spolicy
I.AfriendinthecarisinjuredwhileTonyisdrivingacoveredauto.
II.ApassengeronamotorcycledrivenbyTonyisinjuredwhenTonyhitanothervehicle.
A)Ionly
B)IIonly
C)bothIandII
D)neitherInorII
Answer:
A
QuestionStatus:
PreviousEdition
15)AllofthefollowingareexclusionsunderthemedicalpaymentscoverageofthePAPEXCEPT
A)injuriesincurredwhileridingamotorcycle.
B)injuriesincurredwhileanautoisbeingusedwithoutthepresumptionthatpermissionwouldhavebeengrantedtousetheauto.
C)injuriesincurredinanautowhileitisusedinashare-the-expensecarpool.
D)injuriesincurredduringthecourseofemploymentifworkerscompensationbenefitsareavailable.
Answer:
C
QuestionStatus:
PreviousEdition
16)WhichofthefollowingstatementsabouttheuninsuredmotoristscoverageofthePAPistrue
A)Thecoverageusuallyappliesonlytopropertydamage.
B)Thecoverageappliesonlyiftheuninsuredmotoristislegallyliable.
C)Unlesshigheramountsarepurchased,themaximumbenefitisnormallylimitedto$1,000.
D)Acoveredperson'sonlyrecourseistosuetheinsurerifthereisadisagreementovertheamountofdamages.
Answer:
B
QuestionStatus:
PreviousEdition
17)Whichofthefollowingpersonsis(are)insuredundertheuninsuredmotoristscoverageofthePAP
I.Apedestrianstruckbyacoveredautoifheorshehasnoinsurancetopaymedicalexpenses
II.Thespouseofanamedinsuredwhoiskilledbyanuninsuredmotorist
A)Ionly
B)IIonly
C)bothIandII
D)neitherInorII
Answer:
B
QuestionStatus:
PreviousEdition
18)AllofthefollowingareconsideredtobeuninsuredvehiclesforpurposesoftheuninsuredmotoristscoverageofthePAPEXCEPT
A)avehicleownedbyanindividualwhoisinsured,butforlessthantheamountrequiredbythestate'sfinancialresponsibilitylaw.
B)ahit-and-runvehicle,theownershipofwhichcannotbedetermined.
C)avehicleownedbyanindividualwhopurchasedenoughenoughliabilityinsurancetosatisfythestate'sfinancialresponsibilitylaw.
D)avehicleinsuredbyacompanywhichbecomesinsolventbeforeaclaimcanbepaid.
Answer:
C
QuestionStatus:
PreviousEdition
19)Joycewasinjuredbyanuninsureddrunkdriverwhileshewasridinginafriend'scar.JoyceandherfriendeachhaveaPAPwithanuninsuredmotoristslimitof$50,000.HowmuchwillbepaidbyeachpolicyifitisdeterminedthatJoycehas$70,000ofbodilyinjuries
A)Eachpolicywillpay$35,000.
B)Joyce'spolicywillpay$50,000,andthefriend'spolicywillpaynothing.
C)Joyce'spolicywillpay$50,000,andthefriend'spolicywillpay$20,000.
D)Thefriend'spolicywillpay$50,000,andJoyce'spolicywillpay$20,000.
Answer:
D
QuestionStatus:
PreviousEdition
20)AllofthefollowingstatementsaboutPartD(coveragefordamagetoyourauto)ofthePAParetrueEXCEPT
A)Coveragemaybepurchasedwithorwithoutcollisioninsurance.
B)Lossesarepaidregardlessoffault.
C)Coverageappliestoanonownedautooccasionallydrivenbyaninsured.
D)Nocoverageisprovidedfornewly-acquiredvehicles.
Answer:
D
QuestionStatus:
PreviousEdition
21)WhichofthefollowingisconsideredtobeacollisionlossunderPartD(coveragefordamagetoyourauto)ofthePAP
A)Thecoveredautowasdamagedwhenthecarhitadeer.
B)Thecoveredautoisvandalizedbyathiefafteritisstolen.
C)Thecoveredautoisdamaged
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