RISK 112 ( Ch.3)

If the insured has uninsured motorist coverage and was hit by an uninsured motorist, he will ……………….

• Claim against his insurer.

• Claim against the reinsurer.

• Claim against the other driver.

• Claim against the other driver's insurer.

If more than one auto policy covers a loss, ………………………

• Reinsurer pays all compensation.

• The insurer pays its pro rata share of the loss for an owned vehicle.

• The insured receives full compensation from each company.

• Either party cannot demand an evaluation of the loss.

Insurer may cancel the insurance policy if ……………………..

• The insured has a valid driver's license.

• The insured's file is free of any claims.

• The insured doesn't have a valid driver's license.

• The insured declared information.

Uninsured motorists' coverage doesn't apply when …………………..

• The other car driver has enough insurance.

• The other car driver is hit-and-run.

• The other car driver is at fault.

• Injury to the insured in a vehicle owned by him but not insured under the policy.

If you know that the cost of repairing the insured vehicle s 4.500 SR and the deductible is 5.000 SR, then the insurer will pay …………..

• 500 SR

• Nothing

• 9.500 SR

• 4.500 SR

In auto insurance, collision coverage covers ……………..

• Damage to the insured vehicle because of storms.

• Damage to the insured vehicle due to collision with a tree.

• Thefts of the insured vehicle.

• Damage to the insured vehicle because of vandalism.

Under motor insurance, collision coverage excludes one of the following.

• Damage from wear and tear.

• Damage to the insured vehicle result of collision.

• The insured hits an object.

• Damage to the insured vehicle by an impact with tree.

……………… covers any property damage to the insured's vehicle caused by any accident other than collision.

• Medical payment coverage.

• Personal injury protection coverage.

• Comprehensive coverage.

• Liability coverage.

Conditions of uninsured motorist coverage include one of the following.

• The insured vehicle is driven by a person has a valid driver's license.

• The other car driver has liability insurance.

• The insured must be at fault.

• The other car driver hit-and-run.

In full coverage, the premium depends on ………………..

• Color of the insured vehicle.

• Insured vehicle value.

• Name of the reinsurer.

• Name of the agent.