Episode
Property & Casualty Exam Prep 29, Personal Auto Liability Coverage
- Podcast
- Insurance Exam Prep
- Published
- Jul 1, 2026
- Duration seconds
- 175
- Processing state
not_requested- Canonical source
- https://open-exam-prep.com/
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Summary
This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Part A Liability coverage pays for bodily injury and property damage caused to others, never for the insured's own damages. - Who is considered an "insured," including the named insured, resident family members, and those with permissive use. - How to interpret split limits (e.g., 25/50/25) for per-person bodily injury, per-accident bodily injury, and per-accident property damage. - That permissive use can be voided if the vehicle is used for business or by an excluded driver. - That defense costs and supplementary payments, like for bail bonds, are paid in addition to the policy's liability limits. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep