Hired Auto Vs Non-owned Auto on the Insurance Exam

[kathyp]

You are a gift! Reading all the paperwork was too boring and hard to follow. THIS is what I need. Thank you.

[cheezypeezy]

Thank you for covering this! I’m scheduling my exam and your videos have really helped

[ZakitaDiggs]

I just loveeee you and never met you!!! You are helping me TREMENDOUSLY!! Blessings to you and your family!

[matthewgonzales]

Your videos are so helpful and you are such a great teacher! Thank you for your courses and videos as you are an amazing asset to learning all of this information. I just wanna say thank you! I have learned so much from you! Still studying, but just wanted to show some appreciation! Also love your style! keep it up!

[monicadenise]

Thank you so much for this you cleared up a lot for me!! Thanks for sharing 😊

[midwestsk-]

Godbless you. I can see your future is bright with success and from the fruits of your labors. Never change for negative and keep excelling thank you for giving us some of your valuable time!

[mizzbebe]

Thank you thank you for being so good at explaining policies

[wneykmx]

thank you so much for your wonderful presentation.

[CrypticStonks]

Love, love, love your energy and videos! On the subject of owned autos do you have a video on the Symbols or a way to remember these for the test? Thanks in advance Cheers from Florida 🙂

[samanthagayton]

You are amazing, thank you so much for these helpful tips and tricks! Do you have a video on Business auto policies?

[goldenchild_chosenone]

No one does it better than you 🙌 hands down! 💯🥳

[lorenamartinez]

Thank you so much 👑 Queen! Can you please do a video explaining the Principals of Indemnity? Replacement Cost, Actual Cash Value? I'm having a hard time understanding ACV 🥺 Thank you! ❤️

[tinachilders]

OHIO, wanted to use Hondros College for my P&C course, they stopped proctoring the class and their website linked me to Xcel. Xcel was not professionally written and not user friendly. The videos did not always work, the practice tests at the end of the chapters repeated the same answer for A-D and the spelling and grammar I looked for help on YouTube and the Insurance Exam Queen came thru. Passed my test today 1st try!!

[josegomez]

Thanks for this clarification. It sheds a new light on this sibject.

[mayranoriega]

There was a particular question on the test that i failed i know, was worded super weird.
It asked about business owned car borrowing an employees car. i was sooo confused

[donnagriffin]

Thank you so much. That did help me a lot. I have another question though. My husband drives a business owned car for a company he works for. He commutes each day about 1.25 hrs each way everyday. How is that classified? I think I read that somewhere but not sure where. I'm in South Carolina btw. Taking my P&C next week.

[chantannaboo]

I went through my entire course and I’m just now understanding the difference 😢 I have taken the New York general adjuster exam 4x and last time for a 69 😢 please send me some tips worker’s compensation is crazy too

[tavias.forrest]

Thank you Melissa.You are doing such an awesome job!
I’m in the state of Connecticut, what and studying P&C. What should I focus on more and which of your packages is best for me to purchase?

[Porchelini]

HI queen!! I've been looking your videos, tomorrow is my test... Can you explain me very quick.. WHO is an INSURED in a PAP? I get really confused when they start to talk about employees driving the vehicle, or someone who has permission to use the vehicle, someone who is entitled to do so, ettccc.. I really dont know who can be & who cannot be an insured..

[MadiShell]

I'm still having trouble with all of them! I can't keep them straight. The terms used here in Tennessee are "Covered Auto", "Non-owned Auto", and "Temporary Substitute Automobile" -

Example question (from Q-bank):
"Marita's car was damaged in an accident, so she rents a car to drive while hers is in the shop. Under the Liability section of Marita's PAP, the rental car is defined as.."
(Answer: Covered Auto)

Another confusing question:
"Howard borrows his neighbor's car because his son took his car to college for a week while moving into the dorm. Under Howard's automobile policy, his neighbor's car is considered..."
(Answer: Non-owned auto)

Last one:
"Which of the following would be considered a Temporary Substitute Automobile under PAP terms?"
(Answer: Loaner vehicle provided by repair shop)

I'm confused, though you explained most of it, that a rental car would be a "Hired" auto, is that different from the term "Covered"? I'm just so confused 😭