Helen was staying at her friend Grace's house. One night, Helen decided to go out for snacks. She wanted to borrow Grace's car, but Grace was asleep. Grace had told Helen earlier not to use the car without first obtaining Grace's permission, but Helen figured that the car was not being used anyway, so she should be able to use it. She found Grace's keys and drove the car to a convenience store. Along the way, she caused an accident and a liability claim was made against her. Is there coverage for this claim under Grace's Personal Auto Policy (PAP)? Yes, because Helen's beliet that she should be able to use the car was reasonable. c Yes, because Helen's had driven Grate's car in the past. C Yes, because tar insurance purpases,it tsassumed that an insured has permission ta use a triend's car No, betause Helen intentionally borrowed Grace's car without her permission Eddie and Janet Orr are married and have a Personal Auto Policy (PAP). Eddis name is the only one listed on the declarations page of the policy. Janet is concerned because she thinks both their names should appear since they ach own yehices, Which one of the following is true? Ony Eddie's name, as the primary named insured, should appear on the declarations page. c Eddie and lanet should each have their own palicy The policy can be written in Eddie's and Janet's names by using an additional named insured The pol cy can he written in Eddie's name, lanet's name, or bath Eddo's and lanet's names lessie has a portable navigation system (Garmin) that attaches to the dashboard of his car with a Velcro patch. Jessie discovered one morning that his car had been broken into and someone had stolen the Garmin unit from the car's dashboard. What amount will Jessie's auto insurer pay for this loss? Nothing C Actual cash value The amount necessary to replace the item with property of like kind and quality rReplacement costs Lori has a company car with insurance coverage provided by her employer and she does nat own her own car. On occasion, Lori drives her grandmother's car to pick up prescriptions. Lori knows that her grandmother's auto palicy has low limits of liability. What coverage can Lori purchase to provide insurance for herself when she drives her grandmother's car? Persona Auto Poley(PAP) covering her company car Miscelaneaus Type Vehicle ondarsement attached to a PAP Extended Non-Owned Coverage for Named individual endorsement attached to PAP Named Non-wner Coverageendoesement attached to a PAP Which one of the following causes of loss is covered under the other than collision IOTC) section of the Personal Auto Policy (PAP)? C Overturn from the driver losing control Missiles or falling objects C Hittinc a tree C Hitting anather car
