Which of the following statements about the uninsured motorists coverage of the PAP is true?

A common use of second-to-die life insurance is

Which statement concerning towing and labor coverage under the PAP is (are) true?I.There’s no coverage for towing if the auto breaks down—towing is only covered if the auto needs to be towed after a collision has occurred. II.Towing and labor coverage pays for repairs at a service station or garage.

Ken purchased a PAP with liability limits of 100/300/50, medical payments coverage, and collision coverage. Ken fell asleep while driving late at night. He crossed the center line and hit a car approaching from the other direction. The following losses occurred:The driver of the other car suffered $30,000 in bodily injuries.Ken’s car sustained $5,000 in damages.Ken incurred $5,000 in medical expenses.The car that Ken hit was a total loss.Which of Ken’s Personal Auto Policy (PAP) coverages will cover the other driver’s medical expenses?

Duties of an insured after a collision loss covered under the PAP include which of the following?I.Take reasonable steps to protect the vehicle from further damage.II.Admit fault if the insured believes he or she caused the collision.

Which statement concerning towing and labor coverage under the PAP is (are) true?I.There’s no coverage for towing if the auto breaks down—towing is only covered if the auto needs to be towed after a collision has occurred. II.Towing and labor coverage pays for repairs at a service station or garage.

Dave purchased a life insurance policy. The policy is nonparticipating and the cash values are based on the insurer’s present mortality, investment, and expense experience. After 2 years, the insurer will recalculate the premium based on the mortality, investment, and expense experience at that time. Dave purchased

One long-term care insurance benefit trigger considers whether the insured needs supervision to protect against threats to health or safety due to memory loss or disorientation. This benefit trigger is referred to as

The appraisal provision in the Personal Auto Policy is used to determine the

Which of the following situations would be covered under the liability section of the PAP?I.A mechanic is sued by a pedestrian who is injured when the mechanic has an accident while road testing the insured’s auto. II.The daughter of the named insured is sued after she has an accident when a new friend she just met at a campus hangout lets her drive his car.