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IMch13 - CHAPTER 13 Risk Management for Auto OwnersPart I...

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CHAPTER 13 Risk Management for Auto Owners—Part I THE HIGH COST OF AUTOMOBILE LOSSES INSURANCE CLAIMS THE NEED FOR INSURANCE PERSONAL AUTOMOBILE POLICY Eligibility Definitions PERSONAL AUTOMOBILE POLICY COMPONENTS Liability Supplementary Benefits Limit of Liability Exclusions Other Liability Conditions Medical Payments Exclusions Other Conditions Uninsured Motorist Uninsured Motor Vehicles Exclusions Other Conditions Physical Damage to Autos Exclusions Transportation and Towing Other Provisions Duties after an Accident or Loss General Provisions Policy Cancellation Provisions Endorsements to the PAP Motorcycles and Other Vehicles Snowmobiles Auto Loan/Lease Coverage AUTOMOBILE INSURANCE AND THE LAW Financial Responsibility Laws Compulsory Insurance Laws Unsatisfied Judgment Fund Uninsured-Underinsured Motorist Coverage RISK MANAGEMENT AND PERSONAL AUTOMOBILE RATING Rating Factors Deductibles for Damage to Your Auto The Youthful Driver Dilemma Selection of Liability Limits KEY TERMS AND CONCEPTS Collision Covered auto Family member
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