Ken Purchased a PAP with Liability Limits of 100/300/50,medical Payments

question 54

Multiple Choice

Ken purchased a PAP with liability limits of 100/300/50,medical payments coverage,and collision coverage.Ken fell asleep while driving late at night.He crossed the center line and hit a car approaching from the other direction.The following losses occurred.
-The driver of the other car suffered $30,000 in bodily injuries.
-Ken's car sustained $5,000 in damages.
-Ken incurred $5,000 in medical expenses.
-The car that Ken hit was a total loss.
Which of Ken's Personal Auto Policy (PAP) coverages will cover the damage to Ken's car?

• A)bodily injury liability
• B)collision coverage
• C)medical payments coverage
• D)property damage liability

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Definitions:

Personal Injury

Physical or psychological harm caused to an individual due to another's negligence or intentional act.

Testify

To give evidence as a witness in a court of law or legal proceeding, which can be done orally or in writing.

Unenforceable

Describes a contract or clause that, due to legal deficiencies, cannot be upheld or enforced by a court.

Exculpatory Clauses

Clauses included in contracts that release one party from liability for harm or damage that might occur, despite negligence or fault.