Exam Simulation for United States Personal Lines Question 23 of 50.. You Selecte

Question

Exam Simulation for United States Personal Lines Question 23 of 50.. You Selected Answer (D). Morris caused a traffic accident that injured Bernie. Morris had let his insurance lapse because he had recently lost his job. Bernie's medical expenses and the costs to fix his car are owed to him. What can Bernie expect when he notifies his insurer? Qu The insurer will pay for the bodily injury portion of Bernie's claim subject to his per person limit in Part C of his policy. Full payment for damage to his vehicle only CAbsohutely nothing D Payment for his injuries and his vehicle, subject to Part C limits of his policy Time Remaining: 01:2615

Explanation / Answer

If Bernie has an Uninsured Motorist Insurance part in his policy then his bodily injury part is covered by his insurer. For reimbursement of damages to his vehicle then Bernie needs also to have Uninsured Motorist Property Damage Coverage which will fully take care of all vehicular damages. It would be rash to assume that Bernie has Uninsured Motorist Property Damage (UMPD). Therefore a reasonably correct asnwer would be Option (A) as a general Uninsured Motorist Insurance covers only bodily injury and not vehicular damage.

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