Auto Insurance Coverage and Liability
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Questions and Answers

If the defendant’s liability coverage is 15/30, and the plaintiff’s insurance coverage amounts to 50/100, how much will the latter receive from the defendant’s and the plaintiff’s insurance coverage?

  • $15,000 from the defendant’s insurance coverage and $50,000 from the plaintiff’s insurance coverage.
  • $15,000 from the defendant’s insurance coverage and $35,000 from the plaintiff’s insurance coverage. (correct)
  • $15,000 from the defendant’s insurance coverage and $15,000 from the plaintiff’s insurance coverage.
  • $5,000 from the defendant’s insurance coverage and $10,000 from the plaintiff’s insurance coverage.
  • In the following scenario, determine in which cases can you not access the Uninsured Motorist/Uninsured Motorist Coverage?

    A. Defendant’s Liability Coverage: 15/30 - UM/UIM Coverage: 15/30 B. Defendant’s Liability Coverage: 100/300 - UM/UIM Coverage: 50/100 C. Defendant’s Liability Coverage: 25/50 - UM/UIM Coverage: 50/100 D. Defendant’s Liability Coverage: 50/100 - UM/UIM Coverage: 15/30

  • A – B – C
  • B – C – D
  • C – D – A
  • A – B – D (correct)
  • What happens if the vehicle and the passenger client both have a UM/UIM Coverage, and the client has a higher UM/UIM coverage?

  • The client may recover from both coverages.
  • The client’s UM/UIM will apply. (correct)
  • The vehicle’s UM/UIM coverage will apply.
  • The client may only recover from the defendant’s insurance coverage.
  • How much of a UM/UIM policy of 100/300 can we get if the defendant has a policy limits of 25/50?

    <p>75/250</p> Signup and view all the answers

    In which situation does the client’s UM/UIM coverage shall apply?

    <p>If the client’s UM/UIM coverage is higher than the defendant’s liability coverage.</p> Signup and view all the answers

    Can the UM/UIM coverage be applied when the plaintiff lives under the household of a UM/UIM policyholder and was a passenger inside a vehicle involved in the accident?

    <p>True</p> Signup and view all the answers

    Can a plaintiff claim for the UM/UIM coverage if he/she is listed only as a beneficiary on a policy with UM/UIM?

    <p>True</p> Signup and view all the answers

    If the driver is not at fault, and the passenger client does not own the vehicle, but the vehicle has UM/UIM, may the client avail for the vehicle’s UM/UIM coverage?

    <p>Yes</p> Signup and view all the answers

    The plaintiff is a driver or a passenger in a vehicle. In this case, the defendant ran the red light and T-boned the plaintiff. UM/UIM coverage applies when:

    <p>All of the above.</p> Signup and view all the answers

    Which of the following is not true about UM/UIM coverage?

    <p>The UM/UIM provides coverage only for drivers.</p> Signup and view all the answers

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