California Property & Casualty: Personal Lines Casualty — Personal Auto, CAARP & Umbrella

Correct

The answer is B: Reasonable medical bills for the guest's X-rays and ER visit, up to the limit

Medical Payments to Others (Coverage F) pays reasonable medical expenses of others injured on the insured location, or away from it when the injury arises from a condition on the insured location or the ways immediately adjoining, or is caused by an insured's activities, a residence employee at work or an animal in an insured's care, regardless of fault, up to its limit. It does not pay lost wages or pain and suffering, which are liability damages payable under Personal Liability only if the homeowner is legally liable, and it never covers the insured or regular household residents other than residence employees.

Reviewed in our October 2026 California fact-check.

Correct

The answer is D: It applies to losses the umbrella covers but the underlying policies do not.

The SIR (Self-Insured Retention) in an umbrella policy is similar to a deductible, but it only applies to losses that are NOT covered by any underlying insurance but ARE covered by the umbrella (personal injury, etc.). If the underlying policy covers the loss, the umbrella pays once the underlying limits are exhausted without an SIR.

Reviewed in our October 2026 California fact-check.

Correct

The answer is A: The TNC's required $50,000/$100,000/$30,000 coverage (Pub. Util. Code §5433)

During Period 1 (app on, no ride accepted), Public Utilities Code §5433 requires primary TNC liability insurance of at least $50,000 per person, $100,000 per accident and $30,000 property damage, plus excess coverage, satisfied by the driver's or the TNC's policy or both. A personal auto policy provides no coverage from log-on unless it expressly says so (§5434), and the TNC coverage cannot be conditioned on the personal insurer first denying the claim. California is not a no-fault state.

Reviewed in our October 2026 California fact-check.

Correct

The answer is A: $20,000

In California, UIM coverage is 'difference-in-limits' coverage. The amount payable is the insured's UIM limit ($50,000) minus the amount paid by the at-fault driver's liability insurance ($30,000). $50,000 - $30,000 = $20,000.

Reviewed in our October 2026 California fact-check.

Correct

The answer is C: It pays the guest's medical expenses regardless of fault, up to its limit.

Medical Payments to Others (Coverage F in the ISO homeowners form) is a no-fault, goodwill coverage. It pays necessary medical expenses of a guest injured on the insured location with the insured's permission, regardless of fault, up to its limit. It does not cover the named insured or regular residents of the household (other than residence employees), and it does not pay pain and suffering. Damages from a lawsuit fall under Personal Liability.

Reviewed in our October 2026 California fact-check.