AINS 102 LATEST EXAMS PAPER QUESTIONS AND
ANSWERS RATED A+
✔✔The medical payments coverage in the Personal Auto Policy (PAP) applies to
Select one:
A. Anyone occupying a car not owned by any insured but driven by an insured.
B. Any insured who is also covered by workers compensation for the same accident.
C. Anyone injured in an accident involving an insured.
D. Any person occupying a covered auto. - ✔✔D. Any person occupying a covered
auto.
✔✔The Part B—Medical Payments Coverage of the Personal Auto Policy (PAP)
contains an Other Insurance provision. If two automobile policies from different insurers
cover the same owned vehicle,
Select one:
A. The first insurer to receive notice of the claim becomes primarily liable.
B. The Other Insurance provision will address how to address the particular situation.
C. The courts will decide how to assess the payment amounts.
D. The insurer issuing the policy with the higher limits of liability will make the
determination. - ✔✔B. The Other Insurance provision will address how to address the
particular situation.
✔✔Jill is insured by a Personal Auto Policy (PAP). Several witnesses saw her run a red
light and collide with a car that clearly had the right of way. Jill was at fault for the
accident. Although the other car sustained damage, its driver drove off and neither the
car nor the driver was ever identified. Jill sustained injuries in the accident and made an
uninsured motorists (UM) coverage claim under her PAP. Jill will
Select one:
A. Not be able to recover under her UM coverage because the driver of the other car
was not at fault for the accident.
B. Be able to recover under her UM coverage because the other car was a hit-and-run
vehicle.
, C. Not be able to recover under her UM coverage because the other car was a hit-and-
run vehicle.
D. Not be able to provide the other driver with UM coverage under her PAP because he
or she has never been identified. - ✔✔A. Not be able to recover under her UM coverage
because the driver of the other car was not at fault for the accident.
✔✔Li has a Personal Auto Policy (PAP) for his car with a $100,000 limit for uninsured
motorists (UM) coverage. He was injured in an accident with a legally intoxicated
uninsured motorist. Li submitted a UM claim to his insurer. The case went to trial and Li
was awarded $50,000 for medical bills, $10,000 for rehabilitation expenses, $5,000 for
lost wages, and $10,000 for punitive damages. How much can Li collect under the UM
coverage of his PAP?
Select one:
A. $50,000
B. $55,000
C. $65,000
D. $75,000 - ✔✔C. $65,000
✔✔Under the Personal Auto Policy (PAP), a branch falling from a tree and denting the
hood of a covered auto is an example of
Select one:
A. An uninsured motorists loss.
B. A liability loss.
C. An other than collision loss.
D. A collision loss. - ✔✔C. An other than collision loss.
✔✔Which one of the following causes of loss is covered under the other than collision
(OTC) section of the Personal Auto Policy (PAP)?
Select one:
A. Hitting a tree
B. Falling objects
C. Overturn from the driver losing control
D. Hitting another car - ✔✔B. Falling objects
✔✔Personal auto policy endorsements can be categorized into two main categories.
One of these categories is
Select one:
A. Endorsements that provide higher coverage limits for navigation systems
permanently installed in the vehicles and various media owned by the named insured.
B. Endorsements that provide coverage additions/modifications for customers who own
vehicles other than cars, vans, or pickup trucks.
C. Endorsements that can be added to either a homeowners or personal auto policy the
address specific loss exposures not covered by an unendorsed PAP.
D. Endorsements that provide coverage for owners of high-value antique cars that result
in higher premiums reflecting the valuable worth of such vehicles. - ✔✔B.
ANSWERS RATED A+
✔✔The medical payments coverage in the Personal Auto Policy (PAP) applies to
Select one:
A. Anyone occupying a car not owned by any insured but driven by an insured.
B. Any insured who is also covered by workers compensation for the same accident.
C. Anyone injured in an accident involving an insured.
D. Any person occupying a covered auto. - ✔✔D. Any person occupying a covered
auto.
✔✔The Part B—Medical Payments Coverage of the Personal Auto Policy (PAP)
contains an Other Insurance provision. If two automobile policies from different insurers
cover the same owned vehicle,
Select one:
A. The first insurer to receive notice of the claim becomes primarily liable.
B. The Other Insurance provision will address how to address the particular situation.
C. The courts will decide how to assess the payment amounts.
D. The insurer issuing the policy with the higher limits of liability will make the
determination. - ✔✔B. The Other Insurance provision will address how to address the
particular situation.
✔✔Jill is insured by a Personal Auto Policy (PAP). Several witnesses saw her run a red
light and collide with a car that clearly had the right of way. Jill was at fault for the
accident. Although the other car sustained damage, its driver drove off and neither the
car nor the driver was ever identified. Jill sustained injuries in the accident and made an
uninsured motorists (UM) coverage claim under her PAP. Jill will
Select one:
A. Not be able to recover under her UM coverage because the driver of the other car
was not at fault for the accident.
B. Be able to recover under her UM coverage because the other car was a hit-and-run
vehicle.
, C. Not be able to recover under her UM coverage because the other car was a hit-and-
run vehicle.
D. Not be able to provide the other driver with UM coverage under her PAP because he
or she has never been identified. - ✔✔A. Not be able to recover under her UM coverage
because the driver of the other car was not at fault for the accident.
✔✔Li has a Personal Auto Policy (PAP) for his car with a $100,000 limit for uninsured
motorists (UM) coverage. He was injured in an accident with a legally intoxicated
uninsured motorist. Li submitted a UM claim to his insurer. The case went to trial and Li
was awarded $50,000 for medical bills, $10,000 for rehabilitation expenses, $5,000 for
lost wages, and $10,000 for punitive damages. How much can Li collect under the UM
coverage of his PAP?
Select one:
A. $50,000
B. $55,000
C. $65,000
D. $75,000 - ✔✔C. $65,000
✔✔Under the Personal Auto Policy (PAP), a branch falling from a tree and denting the
hood of a covered auto is an example of
Select one:
A. An uninsured motorists loss.
B. A liability loss.
C. An other than collision loss.
D. A collision loss. - ✔✔C. An other than collision loss.
✔✔Which one of the following causes of loss is covered under the other than collision
(OTC) section of the Personal Auto Policy (PAP)?
Select one:
A. Hitting a tree
B. Falling objects
C. Overturn from the driver losing control
D. Hitting another car - ✔✔B. Falling objects
✔✔Personal auto policy endorsements can be categorized into two main categories.
One of these categories is
Select one:
A. Endorsements that provide higher coverage limits for navigation systems
permanently installed in the vehicles and various media owned by the named insured.
B. Endorsements that provide coverage additions/modifications for customers who own
vehicles other than cars, vans, or pickup trucks.
C. Endorsements that can be added to either a homeowners or personal auto policy the
address specific loss exposures not covered by an unendorsed PAP.
D. Endorsements that provide coverage for owners of high-value antique cars that result
in higher premiums reflecting the valuable worth of such vehicles. - ✔✔B.
