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Question: Sarah Pays Cash For A New Car And When She Drives It Off The Dealer’s Lot, She Hits Another Car On Her Way To A Friend’s House To Celebrate. The Accident Is Sarah’s Fault. She Injured The Driver Of The Other Car And Damaged Both Her New Car And The Other Driver’s Car. Sarah’s PAP Policy Provides The Following Coverages: Part A 50/100/25 Part D

Sarah pays cash for a new car and when she drives it off the dealer’s lot, she hits another car on her way to a friend’s house to celebrate. The accident is Sarah’s fault. She injured the driver of the other car and damaged both her new car and the other driver’s car. Sarah’s PAP policy provides the following coverages: Part A 50/100/25 Part D Collision Deductible $500 Other than Collision Deductible $500 Medical Payments $2,000 Rental Reimbursement $25 per day up to 30 days Determine if the following losses are covered and state what line of coverage would respond: Sarah’s car’s bumper, hood, and passenger door are damaged, and the mechanic estimates damage totaling $7,500. Sarah received a moving violation from the attending police officer at the site of the accident. The ticket will cost $250. The other driver’s vehicle incurred $10,000 worth of damages. The other driver was unable to go to work for 36 days due to the injuries he suffered and filed a claim for loss wages of $5,600. It took the repair shop 45 days to complete the work on Sarah’s vehicle and the rental car company charged her $30 per day, thus a total of $1,350. Sarah went to the doctor several days later due to pain in her lower back, which she believed was due to the accident. Her medical bill was $1,000. Sarah believes her laptop was stolen from her car while the tow truck company was delivering it to the repair shop. Covered: Part D collision coverage with a $500 deductible. Line of Coverage: Part D. Covered: Not covered under PAP. Line of Coverage: N/A. Covered: Part A liability coverage with a limit of $100,000 for all claims arising from the same accident. Line of Coverage: Part A. Covered: Part A coverage with a limit of $100,000 for all claims arising from the same accident. Line of Coverage: Part A. Covered: Part D loss of use coverage, which provides for rental reimbursement if the vehicle is being repaired or replaced due to a covered loss. Line of Coverage: Part D. Covered: Medical Payments coverage with a limit of $2,000 per person. Line of Coverage: Medical Payments. Not covered: Not covered under PAP. Line of Coverage: N/A.

Solutions for Sarah's PAP Policy Coverages

Bumper, Hood, and Passenger Door Damage: The damage to Sarah's car's bumper, hood, and passenger door are covered under Part D collision coverage with a $500 deductible. This line of coverage specifically applies to damages to Sarah's vehicle due to collisions, such as the accident described.

Moving Violation Ticket:

The moving violation ticket cost of $250 is not covered under Sarah's PAP policy. This type of expense is not typically included in auto insurance policies as it relates to traffic violations and fines.

Other Driver's Vehicle Damages:

The $10,000 worth of damages to the other driver's vehicle is covered under Part A liability coverage with a limit of $100,000 for all claims arising from the same accident. This line of coverage is designed to handle damages caused to third-party vehicles in accidents where the insured party is at fault.

Loss Wages Claim:

The other driver's loss wages claim of $5,600 for 36 days of missed work due to injuries is covered under the Part A coverage with a limit of $100,000 for all claims arising from the same accident. This type of coverage handles expenses related to bodily injury and loss of income for third parties.

Rental Car Charges:

The charges from the rental car company totaling $1,350 for the 45 days it took to repair Sarah's vehicle are covered under Part D loss of use coverage. This particular coverage provides reimbursement for rental car expenses when a covered vehicle is undergoing repairs or replacement due to a covered loss.

Medical Bill:

Sarah's medical bill of $1,000 for treatment of pain in her lower back is covered under the Medical Payments coverage with a limit of $2,000 per person. This coverage addresses medical expenses for bodily injuries to the insured party resulting from a covered accident.

Stolen Laptop:

Sarah's belief that her laptop was stolen while her car was being towed is not covered under the PAP policy. This type of incident falls outside the scope of typical auto insurance coverage as it relates to theft of personal belongings rather than damages to the vehicle.
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