RMI test 2 Review HOMEOWNER S POLICY break window 6 playing baseball in front yard hit ball thru kitchen windows and answer additional coverages 2 you breakdown and buy a full bred show dog 3 days later the dog s stolen from your backyard answer not covered where is it excluded coverage c personal property 6 while repainting your room you spill paint all over the wall to wall carpet answer A dwelling 6 the Ups carrier drives his truck thru your detached garage door and damages it answer coverage b other structures 6 your oldest son calls you after he returns to school from thanksgiving vacation his comp was stolen while he was at home answer coverage c personal property 6 lightning strikes a tree in your front yard killing the tree answer additional coverages 6 an earthquake hits your neighborhood and causes several fires the earthquake damages your home answer NOT COVERED where s it excluded section 1 exclusions 6 earthquake hits your hood and causes several fires one of the fires destroys your tool shed answer other structures 6 the compressor in your 15 yr old refrigerator goes out and the whole refrigerator must be replaced answer NOT COVERED its excluded under personal property 6 your car s stolen from your garage answer NOT COVERED not excluded under personal property 6 one winter morning you awake to find your pipes frozen they break and cause considerable damage to your belongings you had the heater on last night answer personal property 6 your son leaves his roller blades in living room your boss trips 6 your grandma gave you a 300 antique lamp your toddler over them and breaks his wrist answer medical payments knocks it over and breaks it answer not covered excluded under personal property 6 after your boss gets over the fact that he broke your arm in your house he invites you over you re nervous and knock a 400 vase off a table in his living room answer liability 6 you get a new dog it bites your neighbor s son answer medical payments 6 you rent a carpet cleaning machine you negligently damage the machine answer not covered excluded under liability 6 while playing ball you accidentally hit one of your teammates in the face w elbow he has to go to hospital answer medical payments 6 12 hr old daughter s mad at neighbors she throws rock thru car s window causing 500 in damage answer liability 6 you re a lawyer and one of your clients sues you for inaccurate legal advice answer not covered excluded under liability 6 you re driving a golf cart and thinking about all of accidents you and your family have had you run over your friend you friend sues you for damage 6 after you hit pedestrian you drive up on curb and run over your answer liability 6 you hit a pedestrian w your car answer not covered excluded under liability son s bike answer personal property sudden electrical current answer personal property 6 the compressor in your 15 yr old refrigerator is fried by a 6 your car s stolen from your garage you had left your lap top in trunk is computer covered answer personal property 6 a tornado tears up your front lawn and shrubs answer not covered excluded under additional coverages AUTO POLICY 6 you borrow friends car you smash into another motorist the damage done to other motorist s car is answer friend s liability 6 you borrow friends car smash into someone while you re texting the damage to friends car is answer friends collision 6 you hate your daughters boyfriend and forbid him from ever being near her or her car she lends him her car and he causes serious accident the boyfriend is sued for 10 000 is there coverage under your policy answer your liability 6 you re walking across street and are struck by a motorist who failed to stop hit and run you have bodily injuries of 15 000 is the loss covered answer covered by uninsured motorist 6 you re driving home one night and hit a moose you have 700 damage done to your car is the loss covered answer your other than collision 6 your spouse is driving your car and loses control of vehicle crashing into the foundation of the statue of chief osceola is the property damage to the chief covered answer your liability is the damage to your car covered answer your collision are your spouse s medical bills covered answered your medical payments 6 students out celebrating LaSalle advancing to the sweet 16 break your car window and steal your golf clubs is the glass covered answer your other than collision your golf clubs are stolen is the stolen property covered answer not covered excluded under liability
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