51. Which of the following items is covered without endorsement under a Personal Auto Policy?
Answer: C
A permanently installed CD player is covered without endorsement under a Personal Auto Policy.
A permanently installed CD player is typically considered part of the vehicle and is therefore covered under a Personal Auto Policy without the need for additional endorsement.
A) A portable radio.
A portable radio is not considered a permanent fixture of the vehicle and would usually require specific coverage or endorsement under a Personal Auto Policy. As it can be easily removed, it falls outside the standard coverage.
B) A citizens band radio.
Similar to a portable radio, a citizens band radio is not permanently installed and would not be covered without endorsement. Its removable nature makes it ineligible for coverage under a standard Personal Auto Policy.
C) A permanently installed CD player.
A permanently installed CD player is integrated into the vehicle, making it eligible for coverage under a Personal Auto Policy without needing additional endorsements. This integration distinguishes it from removable items.
D) Golf clubs in the trunk.
Golf clubs, while personal property, are not covered under a Personal Auto Policy as they are not considered part of the vehicle itself. Such items would require separate coverage or endorsement.
Conclusion
The correct answer is C, as a permanently installed CD player is treated as part of the vehicle and thus covered under a Personal Auto Policy without additional endorsement. In contrast, options A, B, and D are either removable items or personal property that do not qualify for coverage under standard policy terms. Only option C meets the criteria for automatic coverage.