Alabama Insurance Adjuster Practice Exam

Who is considered a passenger and is thus covered under passenger bodily injury liability according to the scenario given?

1. A mechanic working on the plane

2. Logan himself

3. Any guests accompanying the pilot

4. Maureen looking for a window seat

The correct answer is: Maureen looking for a window seat

In the context of passenger bodily injury liability, the term "passenger" typically refers to individuals who are traveling in a vehicle, such as an aircraft, and are not part of the crew or operatives of that vehicle. Therefore, someone who is considered a passenger for the purposes of coverage would be directly involved in the journey but not involved in operating or maintaining the aircraft. In this scenario, Maureen is specifically described as looking for a window seat, which implies that she is a traveler on the plane, enjoying the flight as a typical passenger would. It is clear that her role is purely to occupy a seat and benefit from the travel experience, making her a passenger in every sense. As a passenger, she qualifies for coverage under passenger bodily injury liability in case of an accident or mishap. The mechanic, while important to the operation and safety of the aircraft, is not considered a passenger because he is engaged in a work capacity rather than traveling for personal reasons. Similarly, Logan himself, as the pilot, is not regarded as a passenger since he is responsible for flying the aircraft. Guests accompanying the pilot could also potentially be passengers, but without further details, Maureen’s role as someone actively seeking to sit and travel makes her the quintessential passenger