Auto
The insurance term that refers to the ability or inability to sue for pain
What is tort?
If items are stolen while on vacation, do I need to have a rider on my policy to get paid for that loss?
What is NO?
AC stopped working after just 8 years
What is NO?
This type of insurance protects a business if someone is injured on their property.
What is General Liability Insurance?
My neighbor had a tree that fell on my roof
What is Yes?
PA law dictates that origin of tree is not a factor
This coverage pays for damage to another person's property when you are at fault in an accident.
What is property damage liability?
This is the maximum amount an insurer will pay for a covered loss.
What is the policy limit?
Your personal car is damaged while running a quick work errand for your employer.
What is NO?
Not covered unless the policy includes Hired and Non-Owned Auto
This number is required for companies operating commercial vehicles across state lines.
What is a USDOT number?
My husband painted the carpet instead of the walls when he spilled a paint can.
What is Yes?
Insurance covers stupid accidents
Someone backs into me and claims I hit them, I will likely be ruled at fault unless I spent $75 on
What is a dashcam?
If I have a swimming pool, it makes sense to carry high_______________
What is liability limits?
An employee rear-ends another vehicle while making a delivery in a company owned van.
What is yes?
Covered under liability and collision
This type of insurance helps cover lost income if a business is forced to close temporarily due to a covered event.
What is Business Interruption Insurance?
Torrential rain raised the creek and my basement is now an indoor pool
What is NO?
Flood policy is needed for coverage
This coverage pays for damage to your vehicle caused by a collision with another object or vehicle
What is collision coverage?
This is the amount the policyholder must pay out of pocket before insurance kicks in.
What is the deductible?
A company vehicle is stolen from parking lot
What is yes?
Covered under comprehensive coverage
I rented a car and slipped on gas pedal and demolished my garage door, how many claims is that?
What is 2?
An employee uses their personal vehicle to pick up office supplies and hits a parked car
What is Yes?
If the company has Hired and Non-Owned Auto coverage
This type of policy covers vehicles owned or leased by a business and used for work purposes.
What is a commercial auto policy?
This policy covers damage to a business's building and contents due to fire, theft, or natural disasters.
What is commercial property insurance?
Someone stole my car and hit a pedestrian
What is NO?
Pedestrian may be covered under his own policy.
This type of insurance is required by law in most states and covers employee injuries on the job
What is Workers Compensation Insurance?
A company vehicle is used for a side gig food delivery service and is involved in an accident
What is NO?
Likely excluded due to unauthorized or non-covered use