PAP Liability

Barry is negligent for a car accident when he runs into a car driven by Larry. All of the following will be paid by Barry’s liability coverage on his personal automobile policy EXCEPT

Under the liability coverage, in addition to paying for bodily injury or property damage of others, the insurer will pay all defense costs it incurs. The insurer’s duty to settle or defend ends when

Mario has a personal auto insurance policy with a bodily injury per person limit of $100,000. Mario is negligent for causing a car accident that results in Luciana having $120,000 in medical expenses. Additionally, the insurer incurred $30,000 of defense costs to settle the claim. What is the total amount the insurer will have to pay for everything related to this claim?

Which of the following situations is NOT excluded for liability coverage under a personal auto policy?

Which of the following losses is NOT excluded for liability coverage under Herman’s personal auto policy?

Valentina causes a car accident which results in following medical expenses: $5,000 for Valentina, $6,000 for Valentina’s passenger, and $7,000 for the person in the other car. Valentina’s personal auto insurance policy has a limit of $3,000 for the Medical Payments coverage. What is the total amount that Valentina’s policy will pay under the Medical Payments coverage for this accident?

All of the following drivers would be considered an uninsured motorist EXCEPT which one?

Edgar suffers $70,000 of medical expenses in a car accident when Doreen was negligent for running a stop sign. Doreen has liability split limits of $50,000 / $100,000 / $25,000. Edgar has underinsured motorist limits of $100,000 bodily injury per person / $300,000 bodily injury per occurrence. How much will each policy pay?

Stephanie is negligent for a car accident when she runs into a car driven by Kathleen. All of the following will be paid by Stephanie’s liability coverage on her personal automobile policy EXCEPT

In addition to paying damages for bodily injury and property damage, the insurer will pay on behalf of an insured all of the following EXCEPT

Uninsured Motorist coverage can pay for the injuries of all of the following individuals EXCEPT

A mechanic was injured at a repair shop while working on the insured’s vehicle. Which coverage on the insured’s Personal Auto Policy (PAP) will cover the mechanic’s injuries?