Question

all quiz questions must be answered before you will be allowed to continue.

1. kendricks car is insured with a personal auto policy (pap). how can he have the policy also cover his new motorcycle?

○ a. add the miscellaneous type vehicle endorsement to the pap
○ b. list the motorcycle in the paps declarations
○ c. replace the pap with a fleet policy to cover more than one vehicle
○ d. the pap provides automatic coverage on a newly acquired vehicle

1. maryanns car is being towed from its parking space on the street in front of her home. the other-than - collision coverage of her personal auto policy will cover her loss if the:

○ a. car was being repossessed by the lender that financed its purchase
○ b. car was being towed because it was parked illegally
○ c. police had a warrant to seize the car as evidence in a criminal investigation
○ d. tow truck operator was unlawfully removing the car

Explanation:

1. For the first question, a miscellaneous type vehicle endorsement is needed to cover a motorcycle under a PAP. Listing in declarations (b) is not sufficient. Replacing with a fleet policy (c) is for businesses. PAP doesn't automatically cover (d) as motorcycles are not standard.
2. For the second question, other - than - collision covers loss if the tow is illegal (d). Repossession (a) and illegal parking (b) are not covered. Police seizure with a warrant (c) is a legal action not covered.

Answer:

1. A. add the miscellaneous type vehicle endorsement to the PAP
2. D. tow truck operator was unlawfully removing the car