A. Most of the time, an additional charge is needed to extend coverage for a replacement vehicle. It is dependent on the company policy. Ultimately no, it is not always automatically covered.
A. The premise exposure is typically someone falling down and becoming injured.
A. It is not. Most companies have to write a second policy or make an extension charge to extend the liability.
A. It is dependent of the type of policy. Some automatically include it and some require an additional charge.