Florida 2-20 General Lines Agent (Property, Casualty, Commercial Lines and Florida Law)Florida Law and EthicsEasy
A Florida 2-20 General Lines Agent is advising a client on their auto insurance policy. The client is concerned about liability coverage for property damage they might cause to another vehicle or structure. Which portion of the client's Personal Auto Policy (PAP) would directly address this concern?
- APart A - Liability Coverage for Property Damage
- BPart A - Liability Coverage for Bodily Injury
- CPart D - Coverage for Damage to Your Auto
- DPart B - Medical Payments Coverage
Show answer & explanationAnswer & explanation
Correct answer: A. Part A - Liability Coverage for Property Damage
Part A of the Personal Auto Policy (PAP) includes liability coverage. Specifically, it covers both bodily injury and property damage for which the insured is legally responsible.
Why the other options are wrong
- B. This covers bodily injury to others, not property damage.
- C. This covers damage to the insured's own vehicle (e.g., collision, other than collision), not damage caused to others' property.
- D. This covers medical expenses for the insured and passengers, regardless of fault.
PAP Part A - Liability
Part A of the Personal Auto Policy (PAP) provides coverage for bodily injury and property damage for which the insured is legally responsible.
- Covers legal liability to others.
- Includes both bodily injury and property damage.
- Mandatory in most states, including Florida.
Memory trick: Always Be Careful Driving