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Personal Injury

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  • Some states automatically require a case to be sent for review regardless of prompts.
    True
  • The “No Pay, No Play” law applies to passengers and pedestrians.
    False: It does not apply to passengers or pedestrians—only uninsured drivers.
  • Alabama’s Guest Passenger Statute prevents all passengers from suing drivers.
    False (Passengers can sue if the driver acted recklessly or intentionally.)
  • Rideshare vehicles are considered commercial vehicles only when the app is active.
    True
  • You must never leave a qualifying question marked 'unknown' in Lead Docket.
    False (You can leave them unknown but ONLY if the PC does not know that answer.)
  • In 18-wheeler accidents, drivers, owners, or manufacturers can all be held responsible depending on the case.
    True
  • Distracted driving is the most common cause of motor vehicle accidents.
    True
  • A driver can still be considered at fault even if the pedestrian wasn’t in a crosswalk.
    True
  • If a client has three vehicles with 25K UM coverage on one policy, their total coverage could be 75K.
    True
  • Clients who were riding a bicycle when hit by a car should not be asked about their auto insurance.
    False (They should be asked, as UM coverage may apply.)
  • If the adverse driver has no insurance and the PC lives with a blood relative who has UM coverage, that coverage might apply.
    True
  • If a client was hit by a city bus, the case would be considered a Commercial Vehicle case.
    False (It would be a Municipality case.)
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