Hello I had a question on Quiz Unit 3. #10 the correct answer on the quiz states the limit is $500 but the book states $1500 limit. Also # 24 there seemed to be 2 other correct answers (A & D) and the actual correct answer as stated on the quiz was no where to be found in the book. :-/ Please clarify this for me. Thanks so much! ^-)
Re: Quiz Question for Teach
by Jan Bradburn- - YOu will need to send me the exact question. The system 'scrambles' the questions each time you log in. Therefore my question #10 and #24 will not be your question. Thanks!
Oh ok I thought mabey you had access to our quizes. So here are the questions/answers
#10
How are losses paid in Part D of a PAP?
Choose one answer.
a. Payment is made based on the replacement value of the vehicle less the deductible 
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b. The limit of liability provision calls for payment of the lesser of actual cash value or the cost to repair or replace, and a special limit of $500 applies to any non-owned auto that is a trailer. 
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| c. Payment is made less the standard $500 deductible
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| d. Payment is made based on the actual cash value of the vehicle less the deductible |
#24
Marks: 0.7/1
How does the coverage for bodily injuries work under the Uninsured Motorist provision?
Choose one answer.
| a. Limits are offered in the same way as liability coverage. There may be a single limit; the minimum usually is $20,000 per accident or there may be split limits with a minimum being $10,000 per person and $20,000 per accident (10/20).
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| b. Generally states will want to be sure it is not intended to duplicate payments otherwise available under disability benefits, medical payments coverage, or liability coverage
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| c. It is a form of coverage to pay compensatory damages for BI under one's own policy, for amounts, which would otherwise have been recovered from the liability insurance of another, either an uninsured motorist or one who has lower limits.
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| d. Generally it is only available in conjunction with auto liability insurance.
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Re: Quiz Question for Teach
by Jan Bradburn- - The correct answer to your first question is B, but you are correct in stating the $500 limit has been increased to $1500 with the latest edition of the state manual. This number just changed last week and we are in the process of making the revisions to the course.
The second question - B is also the correct answer. Look closely at what the question is asking...The question asks about coverage for BI under the UM provision. The first answer is incorrect because the minimum is $10,000. The last answer is incorrect because BI coverage is NOT only available in conjunction with liability coverage.
Please refer to page 51 of the state manual. Answer C is stated verbatium as the definition for the UM provision.