When answering coverage question list the page number and section (letter and/or number) supporting your decision.
Billy Jackson and his wife Susan have a 2003 ISO version of a Personal Auto Policy with the following coverage:
Coverage A 30,000/60,000/25,000 (meets state financial responsibility limit)
Coverage B 5,000 per person
Insured Vehicle is 2005 Toyota Tundra
They also own a 2002 Subaru that has a very low value so they decided not to inform insurer about it and did not obtain coverage
Billy and Susan decide to provide care for Jerry, a 16 year old foster child. Billy asks Jerry to pick up some milk at the store and while driving he loses control and causes an accident resulting in $15,000 in medical bills to the driver of the other car and $35,000 to the passenger in the other car. The other vehicle has $5,000 in damage and they also sue for another $3,000 for loss of use of the auto.
1. Is there coverage for medical bills and how much?
2. Is there coverage for property damage?
3. Since the Toyota is damaged Billy asks Jerry to go to the post office and mail a package using the Subaru. Jerry hits a pedestrian resulting in $20,000 in medical bills. Is this covered? Explain.
4. List three Exclusions in Part A - Liability Coverage?
5. Who qualifies as an "Insured" in Part B - Medical Payments?
When answering coverage question list the page number and section (letter and/or number) supporting your decision.
Billy Jackson and his wife Susan have a 2003 ISO version of a Personal Auto Policy with the following coverage:
Coverage A 30,000/60,000/25,000 (meets state financial responsibility limit)
Coverage B 5,000 per person
Insured Vehicle is 2005 Toyota Tundra
They also own a 2002 Subaru that has a very low value so they decided not to inform insurer about it and did not obtain coverage
Billy and Susan decide to provide care for Jerry, a 16 year old foster child. Billy asks Jerry to pick up some milk at the store and while driving he loses control and causes an accident resulting in $15,000 in medical bills to the driver of the other car and $35,000 to the passenger in the other car. The other vehicle has $5,000 in damage and they also sue for another $3,000 for loss of use of the auto.
1. Is there coverage for medical bills and how much?
2. Is there coverage for property damage?
3. Since the Toyota is damaged Billy asks Jerry to go to the post office and mail a package using the Subaru. Jerry hits a pedestrian resulting in $20,000 in medical bills. Is this covered? Explain.
4. List three Exclusions in Part A - Liability Coverage?
5. Who qualifies as an "Insured" in Part B - Medical Payments?