Which one of the following statements correctly describes one of the General Provisions under the PAP?

Select one:

a.

The insured may file a legal action against the insurer even if the insured has not complied with any PAP policy provisions

b.

The bankruptcy or insolvency of the insured relieves the insurer of its PAP obligations

c.

The insured may recover compensation for the same damage from both the insurer and any responsible party, resulting in double payment

d.

The insurer must provide the insured with a specified number of days advance written notice if the insurer elects to cancel or nonrenew the insured's PAP

Wilhelmina Jones is the named insured under a PAP with Coverage A, B, C, and D (collision and OTC--$100 deductible). One day, Wilhelmina's neighbor, Buster Jones (who had no auto insurance),took Wilhelmina's car the described car under Wilhelmina's PAP without her permission and knowing she had forbidden him to use any of her cars. Buster drove Wilhelmina's car negligently and he struck a car driven by Barney Wilson, injuring Barney and damaging Barney's car.

Which one of the following statements aboutwhether Wilhelmina has a valid collision claimfor the damage to her car is true?

Select one:

a.

She does, her car was the described car and no exclusion applies

b.

She does not, because of the care, custody, and control exclusion

c.

She does not, because Buster drove her car without her permission

d.

She does, but only under Part CUninsured Motorists Coverage

Wilhelmina Jones is the named insured under a PAP with Coverage A, B, C, and D (collision and OTC--$100 deductible). One day, Wilhelmina's neighbor, Buster Jones (who had no auto insurance),took Wilhelmina's carthe described car under Wilhelmina's PAPwithout her permission and knowing she had forbidden him to use any of her cars. Buster drove Wilhelmina's car negligently and hestruck a car driven by Barney Wilson, injuring Barney and damaging Barney's car.

Which one of the following statements about whetherWilhelmina's policy will cover BusterunderPart ALiabilityfor Barney's injury and car damage claims against Buster is true?

Select one:

a.

It will not, because Buster used Wilhelmina's car without a reasonable belief he was entitled to do so

b.

It will, because Buster was driving "your covered auto" as defined by the PAP

c.

It will not, because Buster was not an "insured" under Wilhelmina's policy

d.

It will, because Part A covers anyone using the described car

Wilhelmina Jones is the named insured under a PAP with Coverage A, B, C, and D (collision and OTC--$100 deductible). One day, Wilhelmina's neighbor, Buster Jones (who had no auto insurance),took Wilhelmina's carthe described car under Wilhelmina's PAPwithout her permission and knowing she had forbidden him to use any of her cars. Buster drove Wilhelmina's car negligently and hestruck a car driven by Barney Wilson, injuring Barney and damaging Barney's car.

If Barney has a PAPthat is identical to Wilhelmina's, Barney is likely to have valid claimsif he chooses to make themunderwhich parts of Barney's PAP?

Select one:

a.

Part BMedical Payments only

b.

Part ALiability only

c.

Parts BMedical Payments and CUninsured Motorists

d.

Parts BMedical Payments, CUninsured Motorists, and DDamage to Your Auto

Wilhelmina Jones is the named insured under a PAP with Coverage A, B, C, and D (collision and OTC--$100 deductible). One day, Wilhelmina's neighbor, Buster Jones (who had no auto insurance),took Wilhelmina's carthe described car under Wilhelmina's PAPwithout her permission and knowing she had forbidden him to use any of her cars. Buster drove Wilhelmina's car negligently and hestruck a car driven by Barney Wilson, injuring Barney and damaging Barney's car.

If Barney has a PAPthat is identical to Wilhelmina's, Barney is likely to have valid claimsif he chooses to make themunderwhich parts of Barney's PAP?

Select one:

a.

Part BMedical Payments only

b.

Part ALiability only

c.

Parts BMedical Payments and CUninsured Motorists

d.

Parts BMedical Payments, CUninsured Motorists, and DDamage to Your Auto