omplete the following statements regarding the coverages provided by the PAP.

Insurance companies can express their liability coverage using either a combined limit or split limits. If a split limit is used, such as $100,000/$300,000/$100,000, then the second term in the limit expresses the maximum dollar amount that the insurance company will pay for .(Each persons bodily injury expense occurred in each accident/the maximum amount paid for all vehicles damaged in the accident/the maximum amount paid for all persons injured in the accident)

Most states allow you, as a policyholder, to seek reimbursement for your medical expenses up to the limit of your policy, even if the following are true. Check all that apply.

You have already received compensation from your health insurance company.

You are occupying a vehicle that is not covered by the policy.

Your insurance company proves that someone else was at fault and youve already been paid by the other persons insurance company.

Three conditions must be met for you to receive compensation under Uninsured Motorists Coverage. These are as follows. Check all that apply.

The only damages sustained in the accident are personal injuries; property damages are not covered.

The at-fault motorist is underinsured or lacks insurance altogether.

Another motorist must have been at fault in the accident.

Underinsured motorists coverage is also available, and protects you, a policyholder, against damages caused by an at-fault or underinsured driver. If the at-fault driver causes (more/less) damage than the limit of his or her liability coverage, then your company will make up the difference, up to (a maximum of $100,000/the limit of your policy) , and then subrogates with the negligent driver.

Collision coverage pays to repair the policyholders vehicle (regardless of who is at fault/only if the policyholder is not at fault) . Lenders and lessors typically require this coverage, and unless replacement cost coverage is taken, the insurance company will pay only the vehicles (actual cash value minus the deductible/actual cash value plus the deductible/actual cash value) .

One way to reduce your insurance premium is to (lower/raise) your deductible.

Comprehensive coverage pays to repair damage to an insureds vehicle caused by perils (other than/including) collision. This part of the PAP protects the vehicle but normally does not cover (theft of personal property from the vehicle/falling objects and earthquake damage/theft, riot, or earthquake damage)

Read each of the following situations and determine if each is covered by the standard protections provided by the PAP.

Situation	Covered	Not Covered
1. Lucia decided to save money by reducing the amount of liability coverage provided by her policy. She carries only the state-minimum required coverage but had an accident that is expected to cost three times that limit. Will her policy cover the additional costs of the accident?
2. Paolo carries $10,000 per person in medical payments coverage and was struck by a car while walking down the street with four friends. Can he seek reimbursement for his medical expenses under his PAP?
3. While driving drunk, Kenji struck two pedestrians and damaged two cars. He was charged with several criminal offenses. Will his PAP pay for his defense against these charges?
4. While shopping for Christmas, Sharon placed several bags of presents in the trunk and then went back into the mall. Five minutes after she walked away from the car, thieves broke into the trunk and stole the presents. Will her PAP pay to replace the presents?