Medical Coverage
Does fault matter for medical payments?
What are the qualifications for loyalty discount?
1 year of liability coverage
What does UMBI cover?
Covers your injuries and your passengers' injuries if you're hit by a driver who doesn't have enough or has no auto insurance coverage.
What is the late fee when payment is not received within 10 days after due date?
$7 late fee
What is CA state requirements for liability?
30/60/15
What limits are available for medical/excess coverage?
$2000 & 5000
How many vehicles is needed for multi policy discount?
2 or more
What defines a hit and run vehicle? (3 answers)
Physical contact
Owner/operator unknown
Reported to the police in 24 hours
____ are based on balance and begin with 2nd installment
Finance charges
Can comprehensive be listed without collision?
Yes
What does excess medical payment covers?
Reasonable medical and funeral expenses in excess of what is paid for by primary health coverage
What proof is needed for mature driver discount?
Certificate
What does UDW cover?
The collision waiver
What is the returned check fee amount ?
$15 returned check fee
What does BUMP stand for?
Bodily Injury
UM/UIM
Medical/Excess
Property Damage
Which medical coverage is primary?
medical
Driver Course Discount program is called?___
Licensed to Learn program
If I'm hit by someone who doesn't have insurance, how would my injuries be covered?
UMBI covers up to the limits selected on your policy.
What is the short rate fee when policy cancels in 1st year?
up to 11%
Is rental reimbursement included with collision?
No, included with comprehensive
Insured was hit by car walking down Main St. Would medical coverage apply and to who?
Yes, and the insured.
What two discounts require 9 years of driving experience?
good student and student away discounts
If I'm hit by someone who doesn't have enough insurance, how would my injuries be covered?
Underinsured motorist (UIM) covers the difference between the insured's coverage limit (if more than the at fault party) and the at fault party's limits.
What is the percentage on the balance exceeding $1000
1%
Explain the difference between comprehensive and collision.
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