Question

Under a personal auto policy, in which of the following locations would a vehicle primarily garaged in California be covered?

1) California
2) New York
3) Texas
4) Florida

Answer 1

A vehicle primarily garaged in California is typically covered under a personal auto policy in California, New York, Texas, and Florida. Coverage extends across the United States, regardless of auto theft rates, which are higher in California according to FBI data.

Step-by-step explanation:

Under a personal auto policy, a vehicle that is primarily garaged in California would typically be covered in all states, which includes California, New York, Texas, and Florida. This coverage is one of the standard provisions that ensures the policyholder is covered across the United States regardless of where the vehicle is physically located or driven. However, the reason a person may inquire about coverage in different states may be related to the varying auto theft rates by state, as data from the FBI indicates that California has a higher rate of vehicle thefts compared to states like New York.