Which statement correctly describes a major section of the standard automobile policy?

Which statement correctly describes a major section of the standard automobile policy?

• A. Property damage to owned or leased vehicles
• B. Medical payments are not a major section
• C. Uninsured/underinsured motorists are not a major section
• D. Liability is not a major section

Answer: (A)

The question tests understanding of the major sections of a standard auto policy. A typical Personal Auto Policy is built around four main parts: liability coverage (for injuries and property damage you cause to others), medical payments, uninsured/underinsured motorist coverage, and physical damage coverage for your own vehicle (collision and comprehensive). The statement about property damage to owned or leased vehicles fits with the physical damage portion, which protects your own car when it’s damaged in a collision or from other perils. That makes it a major section of the policy. The other statements are inconsistent with how auto policies are structured: medical payments is indeed a major section, uninsured/underinsured motorist coverage is a major section, and liability is a major section.

The question tests understanding of the major sections of a standard auto policy. A typical Personal Auto Policy is built around four main parts: liability coverage (for injuries and property damage you cause to others), medical payments, uninsured/underinsured motorist coverage, and physical damage coverage for your own vehicle (collision and comprehensive). The statement about property damage to owned or leased vehicles fits with the physical damage portion, which protects your own car when it’s damaged in a collision or from other perils. That makes it a major section of the policy.

The other statements are inconsistent with how auto policies are structured: medical payments is indeed a major section, uninsured/underinsured motorist coverage is a major section, and liability is a major section.