AIC 302 Chapter 2 Questions with Verified
Correct Answers
1. In most circumstances the spouse of the named insured under an auto insurance
policy is also covered by the policy. But what if the married couple don't reside in the
same home? Is the spouse still covered by the policy?
Assuming the spouse and the named insured lived at the same address when the policy was
issued, the spouse will continue to be covered by the policy if he or she moves out of the
household but remains married to the named insured. But the spouse will only be covered for
90 days, until the policy expires, or until the spouse purchases other PAP coverage—
whichever occurs first.
You and your
Refer to the named insured on the Declarations page. "You" and "your" can also include an
unnamed spouse of the named insured when the spouse is a resident of the same household. If
the spouse moves out of the household but remains married to the named insured, the spouse
will remain covered for another 90 days or until the policy expires. Coverage ceases if he or
she is named on another policy
Family member
A person who is related to the named insured or spouse by blood, marriage, or adoption and
resides in the named insured's household. Wards or foster children are also included.
We us and our
These words refer to the insurer providing insurance under the contract, generally the insurer
named in the Declarations page.
Bodily injury
, Bodily harm, sickness, or disease, including death.
Occupying
Defined as in; upon; or getting in, on, out, or off. This is used in connection with Part B and
Part C and clarifies the coverages provided. For example, if an insured's friend was injured
while leaning over an insured vehicle to check the battery connection, the friend would be
considered to be occupying the vehicle.
Property damage
Physical injury to, destruction of, or loss of use of tangible property.
Transportation network platform
An application designed to connect passengers and drivers who provide transportation for
compensation.
2. Your covered Auto
- Any vehicle shown in the declaration
- A newly acquired auto
- Any trailer you own
- A temporary auto or trailer
3. After getting married Thomas and Carla lived together in New York City. Since
public transportation was so accessible, Carla had never bothered owning a car. After
the wedding, Thomas switched auto insurers and was assured that the new policy on his
car would cover Carla as well. However, after receiving a promotion, Carla moved to
Albany, where the public transportation network wasn't as extensive. Before moving,
Thomas bought another car for her use. One week after Thomas purchased the car and
Carla moved to Albany, she was in an accident. Assuming Thomas had not yet added
Correct Answers
1. In most circumstances the spouse of the named insured under an auto insurance
policy is also covered by the policy. But what if the married couple don't reside in the
same home? Is the spouse still covered by the policy?
Assuming the spouse and the named insured lived at the same address when the policy was
issued, the spouse will continue to be covered by the policy if he or she moves out of the
household but remains married to the named insured. But the spouse will only be covered for
90 days, until the policy expires, or until the spouse purchases other PAP coverage—
whichever occurs first.
You and your
Refer to the named insured on the Declarations page. "You" and "your" can also include an
unnamed spouse of the named insured when the spouse is a resident of the same household. If
the spouse moves out of the household but remains married to the named insured, the spouse
will remain covered for another 90 days or until the policy expires. Coverage ceases if he or
she is named on another policy
Family member
A person who is related to the named insured or spouse by blood, marriage, or adoption and
resides in the named insured's household. Wards or foster children are also included.
We us and our
These words refer to the insurer providing insurance under the contract, generally the insurer
named in the Declarations page.
Bodily injury
, Bodily harm, sickness, or disease, including death.
Occupying
Defined as in; upon; or getting in, on, out, or off. This is used in connection with Part B and
Part C and clarifies the coverages provided. For example, if an insured's friend was injured
while leaning over an insured vehicle to check the battery connection, the friend would be
considered to be occupying the vehicle.
Property damage
Physical injury to, destruction of, or loss of use of tangible property.
Transportation network platform
An application designed to connect passengers and drivers who provide transportation for
compensation.
2. Your covered Auto
- Any vehicle shown in the declaration
- A newly acquired auto
- Any trailer you own
- A temporary auto or trailer
3. After getting married Thomas and Carla lived together in New York City. Since
public transportation was so accessible, Carla had never bothered owning a car. After
the wedding, Thomas switched auto insurers and was assured that the new policy on his
car would cover Carla as well. However, after receiving a promotion, Carla moved to
Albany, where the public transportation network wasn't as extensive. Before moving,
Thomas bought another car for her use. One week after Thomas purchased the car and
Carla moved to Albany, she was in an accident. Assuming Thomas had not yet added
