Mississippi Property & Casualty Practice Exam

For temporary substitute vehicles, which part of the auto policy is applicable?

1. Part A

2. Part B

3. Part C

4. Part D

The correct answer is: Part D

In an auto policy, temporary substitute vehicles are typically addressed under Part D. This part deals with coverage for damage to vehicles that the insured does not own but may be using temporarily. This inclusion ensures that if the insured’s primary vehicle is being repaired or is unavailable, coverage may still extend to another vehicle that is being used as a substitute, which can include rentals or borrowed vehicles. Part A generally pertains to liability coverage, which covers bodily injury and property damage caused to others, while Part B focuses on medical payments for the insured and passengers. Part C relates to uninsured and underinsured motorist coverage, which protects the insured in the event of an accident with a poorly insured or uninsured driver. Therefore, the specifics of temporary substitute vehicles are captured accurately under Part D of an auto insurance policy.