Mississippi Property & Casualty Practice Exam

If a car is being repaired or is broken down, what coverage applies?

1. Part A

2. Non-owned coverage

3. Part B

4. Part C

The correct answer is: Non-owned coverage

In the context of car insurance coverage, non-owned coverage applies when a vehicle is being used that is not owned by the policyholder. This type of coverage typically includes situations where you're driving a rented car or a vehicle borrowed from a friend. When a car is being repaired or is broken down, the policyholder may rely on non-owned coverage if they're using another vehicle temporarily. This means that while the primary vehicle is out of commission, the policyholder could be liable in the event of an accident while using a different vehicle, and non-owned coverage would protect them in that scenario. In contrast, Parts A, B, and C would pertain to specific coverages within the policy, such as liability coverage, medical payments coverage, and uninsured/underinsured motorist coverage. However, these coverages would not directly address the situation of driving another vehicle while one's own car is being repaired. Thus, the correct response emphasizes the relevance of non-owned coverage when a car is not available for use.