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loverstornlovers | Bob Brown was recently involved in a minor auto accident. His car was hit from behind, and he, in turn, slamme |
Bob Brown was recently involved in a minor auto accident. His car was hit from behind, and he, in turn, slammed into the car in front of him. He would like someone to explain his coverage and show him where, in his auto policy, each of his losses might be covered. The explanantion of coverage and the location of coverage should be in general terms for most auto insurance policies, please do not use only your personal auto insurance policy as your guide for your response.
Help him out by doing that for each of the following items.
The cost of a medical checkup for his passenger, Ruth
The front and rear damage to his car
The damage to the car in front of him
The damage to the car behind him
The total amount of liability protection for bodily harm and property damage
Additional Details
GREAT OBSERVATION EINSTEIN! |
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mbrcatz
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Really, this is going to depend on which state he is in, and if you're talking about an ISO pap or state specific form.
In some states, his policy would cover Ruth, in others, Ruth's policy would be primary, and in still others, it would be the liability of the vehicle behind him. This is going to depend on if you're in a no fault state, or if RUTH lives in a no fault state - you'd check either "medical payments", "pip protections" or "liability" depending on which state you are in.
In most states, the damage to the front of Bob's car would be under his collision subject to deductible, the damage to the rear would be the guy behind him - liability. In some states, ALL the damage to Bob's car would be the problem of the guy behind him, as well as all the damage to the car in front of him.
Total liability protection would be on the declarations page of each policy.
sorry, not enough info for an exact answer here! |
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bearmeister34
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This question can't be answered with the information provided. The answer depends on which state you are insured in, and the state the accident happened in.
And, I do believe this question is right out of the book. |
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Chris
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Well for one thing, an insurance policy is not going to tell him the cost of a medical checkup. The medical provider giving the services sets that amount.
You aren't going to find out the amount of the front and rear damages to his car by looking in the policy.
Same thing with the car in front and the car behind.
The total amount of liability protection is not found in the policy either. It is found on the declarations page of the individual policy.
While this is really asking for homework help, I'd tell you that with any insurance policy you go to "losses we will pay", determine if the loss qualifies as one listed, then check definitions to determine if you and your vehicle are considered insured and an owned auto under the policy.
You know, now that I really think about it, this question is stupid. I've been in insurance for many years and no one asks questions this way even on a test. |
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KE
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You shouldn't have copied this right of the textbook. It is obvious that you are wanting some to do your homework for you. |
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Kara K
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Call your insurance company, and the company of the person who hit you first....and yes, we all know it was you! lol It was the fault of the person behind you, not your fault, so the other driver has to pay for damages. |
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mamatohaley+1
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My answer is based on the laws of Kansas. Statutes vary state by state.
1. If Ruth were a titled owner of a vehicle she would go under her auto PIP insurance. If she were uninsured then she would be responsible out of pocket. If she does not own a vehicle than she would go under Mr. Brown's PIP coverage.
2. Once liability was clear, the vehicle in the very rear would pay for the front and rear damages to Mr. Brown’s vehicle. The liability adj would have to verify that the front car felt only 1 impact. This would support that the car that hit Mr. Brown pushed him into the front car. If the front car felt 2 impacts there would be some liability issues that would need to be cleared up.
3. The front car would also be paid for by the end vehicle for the reasons stated in #2
4. The at fault car would be responsible for his own damages. If he has collision coverage than his insurance would pay for his car if not he would pay out of pocket.
5. Not enough info to answer this. Need to know what the dec page says. It is normally something like 100/300/100. The first 100 if for liability coverage per person. That means the most any 1 injured person will receive is 100,000. The 300 means the limit the policy will pay out for liability in an accident is 300,000. If 5 people die in an accident the most the policy will pay is 300,000 divided among the 5 people. The last 100 is for the property damage. This is the most the policy will pay out for property damage in any 1 loss. |
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