Class 22

What does uninsured motorist insurance cover?

If you get into an accident and someone else is at fault, but they flee the scene or are uninsured.

Does uninsured motorist insurance have a dedubible?

No

What all can uninsured motorist coverage pay for?

Assuming it applies, it can cover medical bills, lost wages, pain and suffering, and funeral expenses. It can cover anything that liability insurance would cover. It effectively increases the other driver’s liability coverage

What is APHD coverage?

Auto Physical Damages

What does APHD cover?

Damage to your car for any reason

What are the types of APHD?

Other than collision and Collision

Is APHD required?

Not by law, but by most lenders

What type of auto insurance is the only kind with a deductible?

APHD

Is the dedubitible higher for OTC or Collision?

Collision because you have more control over collisions than you do other stuff

For a claim to be covered as OTC what is required?

It must not be a collision, and it must not be excluded. Everything else is

How much coverage will a non-owned auto get?

As much as an owned auto in the policy

What examples of other than collision that we need to know?

• Contact with a bird or animal (deer)

• Falling objects

• Fire

• Theft

• Vandalism

What examples of other than collision exclusions that we need to know?

• Vehicle being used in ride-sharing

• Wear and tear (oil changes)

• War

• Electronic equipment

• Loss to a non-owned auto when used by you without a reasonable belief that you are entitled to do so (stolen vehicle)

• Racing

How are the limits for physical damages calculated?

The lower of ACV and repair costs. When the ACV is lower it is totaled

is a loaner vehicle from a dealership covered?

Yes, as a non-owned auto