possibke options

1) the maximum amount paid for all persons injured in the accident/ the maximum amount paid for all vechiles damaged in the accident/ each peraons bodily injuried in each accident

2)less/ more

3)a maximum of $100,00/ the limit of your policy

4) only if the policyholder is not at fault/ regardless of who is at fault

5) actual cash value minus the deductible/ actual cash value/ actual cash value plus the deductible

6)raise/ lower

7) other than/ including

8) theft,roit or earthquake damage/ theft or personal propertt from the vechile/ falling objects and earthquake damage

Ch 10: Assignment Protecting Your Property Read and complete 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 third term in the limit expresses the maximum dollar amount that the insurance company will pay for 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 you've already been paid by the other person's 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 injured motorist must have sustained damages 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 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 causesNdamage than the limit of his or her lability coverage, then your company veill make up the difference, up to and then subrogates with the negligent driver Lenders and lessors typically require this Collision coverage pays to repair the policyholder's vehicle COVerage and unless replacement coat coverage is taken, the insurance company will pay only the vehicle's 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 damage than the limit of his or her liability coverage, then your company will make up the difference, up to and then subrogates with the negligent driver. Collision coverage pays to repair the policyholder's vehicle , tenders and lessors typically require this coverage, and unless replacement cost coverage is taken, the insurance company will pay only the vehicle's One way to reduce your insurance premium is to your deductible. Comprehensive coverage pays to repair damage to an insured's vehicle caused by perils vehicle but normally does not cover collision. This part of the PAP protects the Read each of the following situations and determine if each is covered by the standard protections provided by the PAP. Not Covered Covered Situation 1. Malika decided to save money by reducing the amount of liablity 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. Kaysan carries $10.000 per person in medical payments coverage and suffers a severe accident while walking down the street with four friends. Can he seek reimbursement for his medical expenses under his PAP? 3. While driving drunk. Michael 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, Kelly 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