- Economyst or anyone please
Can someone help me on this?
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
here are two reponses:
Bob Brown unfortunately was in a minor auto accident. His passenger, Ruth should be covered for medical payments (Part B). The limits (between $500 and $5000) per person are low but they cover minor medical expenses are regardless of who is at fault. The damage to Bob’s front and rear of his car are covered by collision (part D) regardless of who is at fault. If it is determined that the other driver was responsible then his insurer may seek reimbursement and refund the deductible.
The total amount of liability protection for bodily harm and property damage is covered under (Part A) Liability. There are two different types split liability limit and single liability limit. If Bob has split that the limits are shown as the first number stating the maximum amount the insurer will pay for bodily injury to a single person. The second the maximum amount for all injuries in the accident and the last is the limit for property damage in any given accident. (Numbers can vary but it would look like: 100/300/10) If they policy has single liability than it means that the insurer will pay up to the amount and it would not be divided per.
Each car will place a claim to their own insurance company for their own car so the car in front of him will place a claim to his insurance company and they will in turn try to collect back from Bob’s insurance company. The damage to the car behind him will be paid from his own insurance company. When my insurance company claims he is at fault then it should be paid from his liability portion (part A).
At first glance, this appears to almost be a trick question. Since Mr. Brown was hit from behind, it seems that all of the liability involved in this accident should lie with the driver that hit him and his insurance company. Assuming that this is not a trick question I would advise him as follows.
The cost of a medical checkup for his passenger Ruth would be covered under Part B, the Medical Payments portion of his policy. This is due to the fact that according to Winger and Frasca, the Medical Payments portion of his insurance policy covers injuries sustained by himself, his family, or anyone else riding in his vehicle would be covered by this section regardless of fault.
The damage to Mr. Brown’s car would be covered under Part D, Collision coverage.
The damage to the car in front of Mr. Brown’s car would be covered under Part A, Liability Coverage.
The damage to the car behind him is especially tricky. If it was covered at all be his policy, I would assume that it would be covered under Part D, Collision coverage.
To answer this question for Mr. Brown, I would have to look at his policy and determine his liability limits, either split liability limit or single liability limit. If for example a review of his policy revealed that he had a split liability limit of 100/300/30 I could then tell him that he was covered for a single bodily harm of $100,000, $300,00 for all injuries sustained in an accident, and $30,00 for property damage.
Thankyou for you vote of confidence in me. However, your question is clearly out of my realm. Sorry. And lotsa luck.
If Bob has full coverage, he has no problem and this goes for the other vehicles involved in the accident.
Answer this Question
Choose the sentence that is written in active voice. A. A serious accident was prevented on the highway by Roger's quick thinking. B. Roger's quick thinking prevented a serious accident on the highway. C. A serious accident was prevented on the highway. D.
Question 1 A) Which of the following is a summary of a literary text?(1 point) a list of a story's main points a mix of minor details and main points extracted from a text a shortened version of a work that includes the main points of the story and the
Medical research indicates that the risk of having a car accident increases exponentially as the concentration of alcohol in the blood increases. The risk is modeled by R=6e^12.77x Where x is the blood alcohol concentration and R, given as a percent, is
Consider a conical pendulum with an 80.0-kg bob on a 10.0-m wire making an angle of 5.00 with the vertical as shown. Determine (a) the horizontal and vertical components of the force exerted by the wire on the pendulum and (b) the radial acceleration of
Bob’s monthly phone bill is made up of a $10 fee plus $0.05 per minute. Bob’s phone bill for July was $22. Write an equation to model the situation, using to represent the number of minutes. Solve the equation to determine the number of phone minutes
1. What does a summary do?(1 point) a. Includes the reader's own o b. Adds more supporting details to a text pinions about the text c. recaps the minor details in a text d. Restates the most important information in a text 2.What characteristic does a
Which of the following statements is CORRECT regarding deciding whether an alcohol sale is legal? A. IF a person looks over 21, they likely are. B. Few minors have physical characteristics of an adult. C. if a person looks like a minor, they likely are a
Sinusoidal functions A pendulum is swinging back and forth. After t seconds, the horizontal distance from the bob to the place where it was released is given by H(t)=7−7cos( 2π(t−2)/20). How often does the bob cross its midline?
During a study of auto accidents, the highway safety council found that 60% of all accidents occur at night 52% are alcohol related and 37% occur at night and are alcohol related. (a) What is the probability that an accident was alcohol related given that
Imagine that you are an astronomer, and you are planning to do a survey to find new brown-dwarf stars. You need to calculate how sensitive your search needs to be (and hence how big a telescope you will need and how long the survey will take). You want to