Other Than Life (OTL) Practice Exam

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Prepare for the Other Than Life Exam. Boost your confidence with multiple choice questions and detailed explanations. Start studying today!

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What does the Family Protection Endorsement provide?

Coverage similar to Accident Benefits
Replaces Highway Victim's Indemnity Funds
Equal protection if injured by a negligent motorist
Medical protection for all family members

The correct answer is: Equal protection if injured by a negligent motorist

The Family Protection Endorsement is designed to address scenarios where insured individuals suffer injuries due to the negligence of a motorist who either has insufficient insurance coverage or no insurance at all. This endorsement effectively enhances personal injury coverage by ensuring that family members can obtain compensation equal to what they would have received if the negligent party had adequate insurance. This option highlights the crucial aspect of the Family Protection Endorsement: it extends equal protection and the potential for benefits to individuals who might otherwise be left vulnerable due to inadequately insured drivers. By allowing families to receive equitable benefits, it promotes fairness and provides a safeguard against unexpected financial hardships resulting from auto accidents.