Automobile quiz 1 Study Guide
driver has an accident with a horse and buggy, and in the process there is damage to his car. the
horse was killed, and no damage to the buggy. he would be covered under OPF 1 - Answer
section - 7 collision (physical damage)
section - 3rd party liability
a driver leaves a tavern, gets into his automobile in an intoxicated state and is involved in an
accident. which of the following would he be NOT insured for under the OAP #1 - Answer
collision damage to his auto
under OAP 1 which of the following is insured under pard D uninsured motorist coverage -
Answer a pedestrian being hit by uninsured vehicle
statutory conditions as they apply to auto policies - Answer identifies rules and regulations
governed by statute
if the insured drives their auto into the side of their house, what will be covered under section 3
of OAP 1 (3rd party liability) - Answer no coverage is provided
- you cannot sue yourself.
who may NOT give notice and proof of a claim under the auto policy - Answer can be any
person, no explanation is required
if an applicant makes a false statement on the auto application, the insurance company -
Answer can void the policy
in section 4, coverage is designed to provide the insured with (accidental benefits) - Answer
financial protection following physical injury
when a person is advised to purchase a non-owned auto policy, because - Answer he has
employees use their own cars in the course of their employment
what are specified perils - Answer FRESH FLOWERS
Fire, riot, explosion, sink, hail
Falling object, lightning, oh theft, windstorm, earthquake, rising water
total disability is defined in the OPF1 auto policy under section 4 as - Answer being unable to
perform every duty
driver has an accident with a horse and buggy, and in the process there is damage to his car. the
horse was killed, and no damage to the buggy. he would be covered under OPF 1 - Answer
section - 7 collision (physical damage)
section - 3rd party liability
a driver leaves a tavern, gets into his automobile in an intoxicated state and is involved in an
accident. which of the following would he be NOT insured for under the OAP #1 - Answer
collision damage to his auto
under OAP 1 which of the following is insured under pard D uninsured motorist coverage -
Answer a pedestrian being hit by uninsured vehicle
statutory conditions as they apply to auto policies - Answer identifies rules and regulations
governed by statute
if the insured drives their auto into the side of their house, what will be covered under section 3
of OAP 1 (3rd party liability) - Answer no coverage is provided
- you cannot sue yourself.
who may NOT give notice and proof of a claim under the auto policy - Answer can be any
person, no explanation is required
if an applicant makes a false statement on the auto application, the insurance company -
Answer can void the policy
in section 4, coverage is designed to provide the insured with (accidental benefits) - Answer
financial protection following physical injury
when a person is advised to purchase a non-owned auto policy, because - Answer he has
employees use their own cars in the course of their employment
what are specified perils - Answer FRESH FLOWERS
Fire, riot, explosion, sink, hail
Falling object, lightning, oh theft, windstorm, earthquake, rising water
total disability is defined in the OPF1 auto policy under section 4 as - Answer being unable to
perform every duty
