Illinois Casualty Insurance State Practice Exam

Which of the following expenses are included under supplemental payments in auto policies?

1. Legal fees for property disputes

2. First aid expenses

3. Costs of replacing lost items

4. Home repair expenses

The correct answer is: First aid expenses

In auto insurance policies, supplemental payments refer to additional benefits provided by the insurer that go beyond the standard coverage, typically related to the legal or medical aspects of a claim. First aid expenses are included under supplemental payments because they cover costs incurred for giving emergency medical treatment to someone injured in an accident, regardless of fault. This reflects the auto insurer’s commitment to providing immediate assistance to injured parties and promoting safety. Other items, such as legal fees for property disputes, costs of replacing lost items, and home repair expenses, do not fit within the supplemental payments framework. Legal fees for property disputes may be related to other forms of insurance or legal assistance but are not part of supplemental payments linked specifically to auto policies. The other options are geared towards non-automobile-related expenses or may be covered under different policy provisions, thereby illustrating the distinct nature of supplemental payments in auto insurance.