Help with general terms for most auto insurance policies.?
I started working on this, but I want to double check my answeres before I submit it. Please help me.
Bob Brown was recently involved in a minor auto accident. His car was hit from behind, and he, in turn, slammed into the car in front of him. He would like someone to explain his coverage and show him where, in his auto policy, each of his losses might be covered. The explanantion of coverage and the location of coverage should be in general terms for most auto insurance policies, please do not use only your personal auto insurance policy as your guide for your response.
Help him out by doing that for each of the following items.
The cost of a medical checkup for his passenger, Ruth
The front and rear damage to his car
The damage to the car in front of him
The damage to the car behind him
The total amount of liability protection for bodily harm and property damage
Assuming Bob was at a complete stop when he was rearended, he would not be at-fault for the accident. Let’s also say, that Bob has Personal Injury Protection because he lives in a No-Fault state and also has medical payment coverage which covers the driver and all occupants regardless of fault. This would be on the Declarations Page.
1.) The PIP coverage and/or medical payment coverage. Either of these coverages would pay for a percent or the entire amount of his passenger’s check up.
2.) The damage to Bob’s vehicle is covered under his Collision Coverage, less his deductible. If he is not at fault, then his insurance company will subrogate against the at fault driver.
3.) Property damage would pay for the vehicle in front of him, but given the accident scenerio, he does not have any liability.
4.) The guy in back of him was legally liable for the damage to all vehicles including his own.
5.) Refer to the Declarations page under Limits of Liability. They may read something like, $50,000 per person/$100,000 per accident/$50,000 property damage.
