Arkansas Insurance Adjuster Practice Exam

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

  1. Collision Coverage

  2. Comprehensive Coverage

  3. Medical Payments/PIP

  4. Uninsured Motorist Coverage

The correct answer is: 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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