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:

Question

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C Rationale: Coverage for the injuries 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 for the insured, regardless of who is at fault in an accident.

The truck driver's personal auto insurance would typically cover damages related to the truck and any other vehicles involved, but it may not directly cover the employee's medical expenses in this situation.

The employee's general hospitalization plan might cover medical costs, but it is not specifically designed for automobile accident injuries and may involve higher out-of-pocket costs.

Employer's Workers' Compensation Insurance generally covers work-related injuries; however, since the employee was injured in a vehicle accident not directly related to their job duties, this coverage may not apply.

Minnesota State Real Estate Salesperson Exam Prep

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: