Minnesota Real Estate Exam Practice Question
While making a delivery for an employee, an employee's car was struck by a truck that went through a red light. The employee suffered a broken arm. In this situation, coverage for the injuries would most likely be provided by the:
Correct Answer: C
Rationale: Coverage for the injuries sustained by the employee would most likely be provided by the employee's personal No-Fault Insurance. This type of insurance is designed to cover medical expenses and lost wages regardless of who is at fault in an accident, making it applicable in this scenario.
Option A, the truck driver's personal auto insurance, may provide coverage for the damage caused by the accident but typically does not cover the injured party's medical expenses directly. Option B, the employee's general hospitalization plan, may assist with medical expenses but is not specifically tailored for injuries sustained in a vehicle accident. Option D, the employer's Workers' Compensation Insurance, generally covers injuries that occur in the course of employment, but since the injury happened during a personal delivery, it may not apply.
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