23) The personal auto policy is considered to be the most complicated insurance contract because A) the legal wording does not follow the recent trend of simpler insurance contract langua
23) The personal auto policy is considered to be the most complicated insurance contract because A) the legal wording does not follow the recent trend of simpler insurance contract language. B) of all the possible parties who can be considered insured under the policy. C) loss to property, injury and liability are all covered under a single contract. D) all package policies tend to be comprehensive.
24) An auto policy providesforsplit limits of50/100/50. The insured is liable for the following injuries: Victim A suffered $ 30,000 of personal injury, Victim B suffered $25,000 of personal injury and Victim C’s claims totaled $60,000. The insured will be personally liable for which of the following amounts? A) $ 5,000 B) $ 10,000 C) $ 15,000 D) $ 0
25) Auto policy coverage applies to which of the following automobiles? I) An owned auto II) A nonowned auto III) A borrowed auto A) I only B) I and II only C) I, II and III D) Neither I, II nor III
26) All of the following are exclusions to the Personal Auto Policy, except: A) A maid working in the home of the insured who is not covered under state workers compensation laws. B) An automobile used by the owner to take people to the airport in exchange for a fee. C) If the auto is used to maliciously injure another party. D) an auto used exclusively for business purposes.
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