Arkansas Insurance Adjuster Practice Exam

Question: 1 / 400

To mitigate the financial risk of a hospital stay from an auto accident, what does Francis add to his BAP?

Collision Coverage

Comprehensive Coverage

Medical Payments/PIP

Medical Payments/PIP is the best option in this scenario because it specifically covers the medical expenses associated with a hospital stay after an auto accident. Collision coverage and comprehensive coverage may help with damages to Francis's car, but they would not cover his medical expenses. Uninsured motorist coverage may cover medical expenses in some cases, but it is not always included in a basic auto policy (BAP) and may not cover all of Francis's medical costs.

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Uninsured Motorist Coverage

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