28. Under a Personal Automobile policy, if a newly acquired automobile replaces a covered automobile with liability coverage only, how long does the insured have to request collision coverage?
Answer: C
The insured has 14 days to request collision coverage for a newly acquired automobile.
In the context of a Personal Automobile policy, when a newly acquired automobile replaces a covered automobile that has liability coverage only, the insured is allowed a period of 14 days to request collision coverage for the new vehicle.
A) Immediately.
This option is incorrect because the insured does not have to request collision coverage immediately upon acquiring the new automobile. Instead, there is a specified period within which the request must be made, which is not immediate.
B) 4 days.
This option is also incorrect as the time frame of 4 days is shorter than what is actually provided under the policy terms. The insured has a longer duration to secure collision coverage than just 4 days.
C) 14 days.
This option is correct. Under the terms of a Personal Automobile policy, the insured has 14 days to request collision coverage for a newly acquired automobile, which is the correct duration specified for such a scenario.
D) 30 days.
This option is incorrect as it exceeds the actual time frame allowed for requesting collision coverage. The policy does not provide a 30-day window, making this option inaccurate.
Conclusion
The correct answer is 14 days, as this aligns with the specific provisions of a Personal Automobile policy regarding newly acquired vehicles. Options A, B, and D do not reflect the accurate time frame needed to request collision coverage, confirming that C is the only correct choice.