ARKANSAS PROPERTY AND CASUALTY EXAM

Personal Auto Policy - Answer-Part A: Liability Coverage Part B: Medical Payments Coverage Part C: Uninsured Motorists Coverage Part D: Coverage for Damage to Your Auto Part E: Duties After an Accident or Loss Part F: General Provisions You and Your - Answer-The named insured listed in the declarations, and the spouse if a resident of the same household. The named insured should always be the person or persons to whom the vehicle is titled and registered Private Passenger Autos - Answer-Shall be deemed to be owned by a person if the auto is owned or leased under contract for a continuous period of at least 6 months. Your Covered Auto - Answer-- any vehicle shown in the declarations - a newly acquired auto - a trailer owned by the named insured - a temporary substitute vehicle A temporary substitute is - Answer-NOT a "your covered auto" under Part D - Coverage for Damage to your Auto. Newly Acquired Auto - Answer-A private passenger auto A pickup or van, for which no other insurance policy provides coverage, if the auto: Has a gross vehicle weight of 10,000 pounds or less. Coverage date begins when the insured becomes owner Under Part D, cover for damage to your auto, - Answer-automatic coverage begins on the date the named insured becomes the legal owner of the vehicle.The insured must report the newly acquired auto to the insurer for coverage to continue. If the insured doesn't report as required, coverage ends after either 4 or 14 days. If the Declarations page indicates that either Collision or Other than Collision coverage applies to at least one vehicle - Answer-the insured has 14 days to report for either coverage to apply. Automatic coverage ends after 14 days if the insured doesn't report. If the Declarations page indicates that NO Collision or Other than Collision coverage applies to at least one vehicle, - Answer-the insured has 4 days to report for coverage to apply. Automatic coverage ends after 4 days if the insured doesn't report. Part A Liability insuring agreement - Answer-The insurer will: Pay damages