Answer to Question #86191 in Finance for Linh

Question #86191
Harvey Smidlap, the named insured under a PAP (with all available coverage), was
injured while being driven to a Broadway play in a new York taxicab ( the cab was not
owned by Harvey and was insured only for liability). Harvey incurred medical expenses
due to his injury and he made a claim under Coverage B of his PAP. Which one of the
following statements is true about whether Harvey’s claim is valid?
a. It is, because the taxicab qualified as “your covered auto”
b. It is, because Harvey is the named insured and no exclusion applies
c. It is not, because of the public or livery exclusion
d. It is not, because Harvey was not occupying a covered car
Expert's answer

The personal auto policy (PAP) is a standardized design for auto insurance. These policies offer coverage for liability, medical payments, damage to the vehicle and damage from uninsured/underinsured motorists.

The correct answer is d. It is not, because Harvey was not occupying a covered car.

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