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for 4 - Heather locked the car. 8. The form and format of the personal automobil

ID: 351933 • Letter: F

Question

for 4 - Heather locked the car.

8. The form and format of the personal automobile policy Aa Aa What Coverages Are Provided in the Personal Automobile Policy? As with the homeowner's policy, the personal automobile policy (PAP) is a comprehensive policy, because it includes several types of coverages bundled into a single package. The PAP has six parts. Organize the six components into their proper sequence and complete the associated statements where applicable. Part Policy Component Coverage Provided This pays for bodily injury and/or property damage caused by for which you This pays for for up to expenses do not exceed the policy's limit. accident-related expenses years after the accident-provided that those This coverage is designed to protect policyholders, including the named insured and his or her family, when they are negligently injured by This part in the PAP provides two types of optional protection coverage and coverage

Explanation / Answer

The six parts of the PAP should be as follows:

Part A - Liability Coverage - This pays for bodily injury and/or property damage caused by an auto-accident for which you are at fault (legally responsible for damages).

Part B - Medical Payments Coverage - This pays for reasonable medical bills and other accident-related expenses for up to three years after accident – provided that those expenses do not exceed the policy limit. (this is regardless of who's at fault).

Part C - Uninsured Motorists Coverage - This coverage is designed to protect policyholders, including the named insured and his/her family, when they are negligently injured by a driver who is either completely uninsured or who has inadequate limits of coverage for the injuries sustained

Part D - Vehicle Damage Coverage - This part in the PAP provides two types of optional protection: Collision coverage and Comprehensive (other than collision) coverage.

Part E - Insured's Duties and Responsibilities

Part F - Basic Policy Provisions