Property And Casualty Insurance License Exam Cram

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Property And Casualty Quizzes & Trivia
Property and Casualty Insurance License Exam Cram

  
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  • 1. 
    Which of the following represents a pure risk?
    • A. 

      Terry places a bet on the outcome of a basketball game.

    • B. 

      Margaret's dog is temperamental. She's afraid that it will bite a neighbor someday and she will be held responsible.

    • C. 

      Sam transfers all of his retirement funds into a stock that he expects to rise in value.

    • D. 

      Cindy, along with 32 others, puts $100 into an Indy 500 race pool at work. The person holding the name of the winning driver will win the entire $3,300.


  • 2. 
    The law of large numbers
    • A. 

      Prohibits insurance with extremely high premiums.

    • B. 

      States that there must be a narrow spread of risk for insurance to be effective.

    • C. 

      States that the more examples used to develop a statistic, the more reliable the statistic will be.

    • D. 

      Requires all members of society with insurance exposures to purchase insurance.


  • 3. 
    LaTonya purchases a house from John. She borrows $75,000 from First City Bank that, along with her $25,000 down payment, equals the $100,000 purchase price of the home. Who has an insurable interest in this home? Choose all that apply.
    • A. 

      LaTonya

    • B. 

      John

    • C. 

      LaTonya's son, who would like to inherit the home some day

    • D. 

      First City Bank


  • 4. 
    Highpoint Industries has an automatic sprinkler system installed in its office building. This is an example of which risk management method?
    • A. 

      Avoidance

    • B. 

      Reduction

    • C. 

      Retention

    • D. 

      Transfer


  • 5. 
    Benson Pharmaceutical Company decides not to manufacture a new drug after determining that it has serious potential side effects. This is an example of which risk management method?
    • A. 

      Transfer

    • B. 

      Retention

    • C. 

      Avoidance

    • D. 

      Reduction


  • 6. 
    The tread on Alan's automobile tires is very thin. This is an example of what type of hazard?
    • A. 

      Physical

    • B. 

      Moral

    • C. 

      Morale

    • D. 

      Obvious


  • 7. 
    Which of the following is a hazard as opposed to a peril?
    • A. 

      Fire

    • B. 

      Lightning

    • C. 

      Wet pavement

    • D. 

      Flood


  • 8. 
    What is meant by a contract of adhesion?
    • A. 

      Both parties are required to provide services for the other.

    • B. 

      One party draws up the contract provisions, and the other party adheres to the terms.

    • C. 

      The contract can be revoked by any party at any time for any reason.

    • D. 

      A contract that is formed without any consideration by either party.


  • 9. 
    Which of the following describes the principle of indemnity?
    • A. 

      After a loss, an insured should be restored to approximately the same condition that existed before the loss.

    • B. 

      Every insured will receive full compensation for all losses in all cases.

    • C. 

      When property is damaged or destroyed, the insurance company must pay the full replacement cost.

    • D. 

      In the case of bodily injuries, liability coverage must be available without regard to any policy exclusions.


  • 10. 
    Which part of an insurance policy describes what property and/or perils will be covered by the contract?
    • A. 

      Definitions

    • B. 

      Exclusions

    • C. 

      Insuring agreement

    • D. 

      Conditions


  • 11. 
    What is the consideration that an insurer gives to the insured under an insurance contract?
    • A. 

      Stated benefits and the dates on which they are to be paid

    • B. 

      The premium

    • C. 

      A promise to pay for certain losses if they occur

    • D. 

      A promise to be conscientious about the customer's situation


  • 12. 
    Under an insurance contract, the uncertainty of events can lead to unequal financial results for the two parties. This means that insurance is what kind of contract?
    • A. 

      Unilateral

    • B. 

      Aleatory

    • C. 

      Conditional

    • D. 

      Utmost good faith


  • 13. 
    The "ground rules" are described in which part of an insurance policy?
    • A. 

      Definitions

    • B. 

      Exclusions

    • C. 

      Insuring agreement

    • D. 

      Conditions


  • 14. 
    A mutual insurance company
    • A. 

      Is managed by an attorney-in-fact.

    • B. 

      Pays dividends to its stockholders.

    • C. 

      Is owned by its insureds.

    • D. 

      Is a voluntary association of individuals that shares in writing insurance contracts for a variety of risks.


  • 15. 
    A nonexclusive agent
    • A. 

      Represents a single insurance company.

    • B. 

      Works for a direct writer.

    • C. 

      Is an independent businessperson.

    • D. 

      Does not collect commissions.


  • 16. 
    Solicitors may not
    • A. 

      Issue or countersign policies.

    • B. 

      Sell insurance.

    • C. 

      Collect premiums.

    • D. 

      Sign an application.


  • 17. 
    At DEF Insurance Company, agents are employees of the company who are paid a salary plus commissions. This is an example of what type of insurance marketing system?
    • A. 

      Captive

    • B. 

      Independent

    • C. 

      Direct writer

    • D. 

      Direct response


  • 18. 
    Which insurance company department is responsible for accepting and rejecting applications based on company standards?
    • A. 

      Underwriting

    • B. 

      Loss Control

    • C. 

      Claims

    • D. 

      Agency


  • 19. 
    Which insurance company department is responsible for paying insureds' covered losses?
    • A. 

      Audit

    • B. 

      Claims

    • C. 

      Underwriting

    • D. 

      Reinsurance


  • 20. 
    Who is responsible for licensing insurance agents?
    • A. 

      Lloyd's Associations

    • B. 

      State insurance department

    • C. 

      Interstate Commerce Commission

    • D. 

      Insurance Services Office


  • 21. 
    Agent Blondell is offering a free television to every applicant who agrees to buy insurance through his agency. In most states, this is an illegal practice known as
    • A. 

      Rebating.

    • B. 

      Twisting.

    • C. 

      Misrepresentation.

    • D. 

      Failure of fiduciary responsibility.


  • 22. 
    J&M Industries does not have a group health insurance plan for its employees. Instead, it pays employees' medical expenses out of a fund specifically created for this purpose. This is an example of
    • A. 

      Fraternal insurance.

    • B. 

      Self-insurance.

    • C. 

      Reinsurance.

    • D. 

      Government insurance.


  • 23. 
    Which of the following statements concerning regulation of the insurance industry is correct?
    • A. 

      The insurance industry is regulated exclusively by the federal government.

    • B. 

      The insurance industry is very loosely regulated.

    • C. 

      The state insurance department is responsible for controlling insurance matters within the state.

    • D. 

      The state insurance department serves only the interests of the insurance industry.


  • 24. 
    Which of the following is not one of the duties of an agent?
    • A. 

      Making appropriate coverage recommendations to prospective customers

    • B. 

      Writing the provisions of a customer's policy

    • C. 

      Helping prospective customers complete the application

    • D. 

      Assuring that customers understand the coverage they are purchasing


  • 25. 
    The written agency contract between an insurer and an agent constitutes the agent's
    • A. 

      Express authority.

    • B. 

      Implied authority.

    • C. 

      Assertive authority.

    • D. 

      Apparent authority.


  • 26. 
    The Excel Insurance Company is incorporated in the state of Tennessee. It is also authorized to do business in Georgia. In Georgia, Excel is known as what type of company?
    • A. 

      Alien

    • B. 

      Foreign

    • C. 

      Domestic

    • D. 

      Non-admitted


  • 27. 
    Can states require insurance companies to use certain forms or rates in connection with certain types of insurance?
    • A. 

      No, that would be a violation of the principle of open competition.

    • B. 

      No, they can only require that forms and rates be subject to prior approval.

    • C. 

      No, insurers can always begin using forms and rates as soon as they are properly filed with the state.

    • D. 

      Yes, some states have mandatory forms or rates for certain coverages.


  • 28. 
    Which of the following statements concerning binders is correct?
    • A. 

      They guarantee that a policy will be issued.

    • B. 

      They can be issued by insurance companies, but not agents.

    • C. 

      They expire on the effective date of the policy to which they apply, or on the expiration date of the binder if the policy is not issued.

    • D. 

      They show an intent to consider issuing insurance, but do not include any commitment to provide coverage.


  • 29. 
    Judgment rating is based on which of the following?
    • A. 

      An evaluation of the characteristics of the individual risk

    • B. 

      Manual rates developed from statistical data

    • C. 

      Calculation and evaluation of the insured's past loss experience

    • D. 

      Loss information reported by other states


  • 30. 
    What rating method makes modifications to manual rates to reflect the unique characteristics of each risk?
    • A. 

      Judgment

    • B. 

      Merit

    • C. 

      Certification

    • D. 

      Manual


  • 31. 
    To void a policy, misrepresentation or concealment must be which of the following?
    • A. 

      Concern material facts.

    • B. 

      Be intentional.

    • C. 

      Both A and B are correct.

    • D. 

      Neither A nor B are correct.


  • 32. 
    An agreement between the insured and the insurer that certain conditions will be met is which of the following?
    • A. 

      Misrepresentation

    • B. 

      Warranty

    • C. 

      Estoppel

    • D. 

      Certificate of insurance


  • 33. 
    Which one of these statements about the Fair Credit Reporting Act is not correct?
    • A. 

      Prenotification is required for both regular and investigative reports.

    • B. 

      Postnotification is required when insurance coverage is denied because of adverse information in a credit report.

    • C. 

      An agent who obtains information from a reporting agency under false pretenses can be sent to jail and fined.

    • D. 

      Consumers have the right to challenge information in investigative reports and to have incorrect information removed.


  • 34. 
    The insured's policy is nearing the expiration date. The insurance company doesn't want to continue the insured's coverage, so it sends the insured a notice that the policy will not continue beyond the expiration date of the policy. This is considered which of the following?
    • A. 

      Flat cancellation

    • B. 

      Nonrenewal

    • C. 

      Pro rata cancellation

    • D. 

      Unearned renewal


  • 35. 
    Walt and Joanna are co-owners of a bagel shop. Both Walt and Joanna are listed in the declarations of the policy that insures the business, with Joanna's name appearing first. The declarations also list First State Bank, which has an outstanding loan on the business. Who is considered a named insured on the policy?
    • A. 

      Walt only

    • B. 

      Joanna only

    • C. 

      Both Walt and Joanna

    • D. 

      First State Bank


  • 36. 
    Renata's home is demolished in a fire that started when a neighbor misdirected the fireworks he set off to celebrate the Fourth of July. Renata's insurance company pays her for the damage, and then files suit against the neighbor to recover the amount it paid for the loss. This is an example of the application of what policy condition?
    • A. 

      Liberalization

    • B. 

      Subrogation

    • C. 

      Abandonment

    • D. 

      Salvage


  • 37. 
    Byron sells his car to his friend Annette, but does not notify his insurance company. Assuming that Byron's policy will transfer to her automatically, Annette doesn't buy insurance for the car. When the car is stolen, Annette files a claim with Byron's former insurer. The insurer denies the claim. This is an example of the application of what policy condition?
    • A. 

      Assignment

    • B. 

      No benefit to bailee

    • C. 

      Coinsurance

    • D. 

      Other insurance


  • 38. 
    A heavy snowfall causes the roof over Amaya's living room to collapse. The insurance company asks her to move her belongings out of the living room to protect them from further damage and put a tarp over the roof until it can be repaired. It also asks her to complete a proof of loss form listing the items that were damaged. This is an example of the application of what policy condition?
    • A. 

      Appraisal

    • B. 

      Arbitration

    • C. 

      Duties after loss

    • D. 

      Subrogation


  • 39. 
    Three policies, totaling $300,000 in coverage, apply to an $80,000 loss. Policy A's limit of insurance is $100,000, policy B's limit is $50,000, and policy C's limit is $150,000. Use the pro rata method to determine how much policy C would pay for this loss.
    • A. 

      $26,640

    • B. 

      $40,000

    • C. 

      $13.280

    • D. 

      $60,000


  • 40. 
    Which of the following would not normally be excluded under a property insurance contract?
    • A. 

      Catastrophic losses

    • B. 

      Nonaccidental losses

    • C. 

      Losses to personal property

    • D. 

      Extra-hazardous perils


  • 41. 
    An indirect loss is which of the following?
    • A. 

      The cause of a direct loss

    • B. 

      A type of loss that results from a direct loss

    • C. 

      An insignificant property loss

    • D. 

      Not a type of property loss


  • 42. 
    Consuela's Homeowners policy has an 80% Coinsurance condition. Her home's value is $125,000. What is the minimum amount of coverage she must carry to avoid a coinsurance penalty for partial losses?
    • A. 

      $125,000

    • B. 

      $100,000

    • C. 

      $80,000

    • D. 

      $75,000


  • 43. 
    According to the terms of the Mortgage condition, which of the following does not apply to the rights and duties of the mortgagee?
    • A. 

      The mortgagee might have to pay the premium if the insured doesn't.

    • B. 

      The mortgagee can file a proof of loss when the insured fails to do so to protect its rights under the policy.

    • C. 

      The mortgagee might have coverage under the policy even if something the insured does causes a claim to be denied.

    • D. 

      The mortgagee has no insurable interest in the covered property.


  • 44. 
    Jake has two insurance policies on his house. They are issued by different companies, but they are otherwise identical. The term for this is
    • A. 

      Concurrent causation

    • B. 

      Fraud

    • C. 

      Concurrent coverage

    • D. 

      Double indemnity


  • 45. 
    Under the Appraisal condition, the insured and the insurance company each chooses an appraiser. If the appraisers do not agree, the dispute is submitted to a third individual agreed upon jointly by the insured and the insurance company. That third party is called the
    • A. 

      Attorney-in-fact

    • B. 

      Judge

    • C. 

      Super-appraiser

    • D. 

      Umpire


  • 46. 
    Failure to use the care that is required to protect others from the unreasonable chance of harm is called what?
    • A. 

      Proximate cause

    • B. 

      Negligence

    • C. 

      A criminal act

    • D. 

      An intervening cause


  • 47. 
    All of the following must be present to establish negligence except which one?
    • A. 

      Proximate cause

    • B. 

      Legal duty owed and breach of duty

    • C. 

      Damages

    • D. 

      Willful action


  • 48. 
    An action that, in a natural and continuous sequence, produces a loss is the
    • A. 

      Hazard.

    • B. 

      Proximate cause.

    • C. 

      Appraisal point.

    • D. 

      Exposure.


  • 49. 
    Liability that is imposed as a matter of law without regard to negligence is called what?
    • A. 

      Vicarious liability

    • B. 

      Absolute liability

    • C. 

      Breach liability

    • D. 

      Proximate liability


  • 50. 
    Liability that an insured incurs because of the actions of others, such as employees, is called what?
    • A. 

      Vicarious liability

    • B. 

      Absolute liability

    • C. 

      Breach liability

    • D. 

      Proximate liability


  • 51. 
    Theresa, a spectator at a baseball game, is injured when an errant ball hits her in the head. She sues the stadium owners for negligence. Which one of the following defenses against negligence would the owners probably use?
    • A. 

      Assumption of risk

    • B. 

      Comparative negligence

    • C. 

      Contributory negligence

    • D. 

      Statute of limitations


  • 52. 
    Which one of the following illustrates the concept of contributory negligence?. Martin buys a tanning bed for his home. Although he follows the manufacturer's directions to the letter, he is severely burned after spending five minutes in the bed.
    • A. 

      . Martin buys a tanning bed for his home. Although he follows the manufacturer's directions to the letter, he is severely burned after spending five minutes in the bed.

    • B. 

      Jane goes to a hair salon to have her hair colored. The hairdresser mixes the color improperly and dyes Jane's hair purple.

    • C. 

      Rosa is injured when her car is struck from behind while she is stopped at a red light.

    • D. 

      Ben turns a corner too fast and strikes Reba's car, which was illegally parked in a fire lane.


  • 53. 
    Lee sues Pat for injuries sustained in an auto accident. During the trial, it is determined that Lee's negligence contributed to the loss. Under comparative negligence laws, what can Lee recover?
    • A. 

      Lee cannot recover any damages from Pat.

    • B. 

      Lee's damages will be reduced to the extent of her own liability for the loss.

    • C. 

      Lee can recover the full amount of the loss from Pat.

    • D. 

      Lee might only recover 50% of the damages she claims regardless of her degree of negligence.


  • 54. 
    As a result of a successful lawsuit, Agnes receives $10,000 to cover her specific losses, an additional $40,000 for pain and suffering, and because the defendant was considered to have acted with willful disregard for others' safety, Agnes was awarded an additional $75,000. This additional $75,000 award can best be described as what type of damages?
    • A. 

      General damages

    • B. 

      Compensatory damages

    • C. 

      Liability damages

    • D. 

      Punitive damages


  • 55. 
    George accidentally hits Elaine's car with his car. The accident causes $3,000 of damage to Elaine's car, plus Elaine is injured and her medical bills come to $1,000. George's car also sustains $500 damage in the accident, but George isn't hurt. What will George's auto liability coverage pay for?
    • A. 

      The damage to Elaine's car only

    • B. 

      The damage to Elaine's car and Elaine's medical bills only

    • C. 

      The damage to George's and Elaine's cars only

    • D. 

      The damage to George's and Elaine's cars, and Elaine's medical bills


  • 56. 
    Which of the following could not be covered under a Dwelling policy?
    • A. 

      A mobile home that is not permanently located

    • B. 

      A single family home that is under construction

    • C. 

      A three-unit townhouse

    • D. 

      A home that is rented to another person


  • 57. 
    Which of the following coverage provisions would not be found in an unendorsed Dwelling policy form?
    • A. 

      Dwelling

    • B. 

      Other structures

    • C. 

      Liability

    • D. 

      Personal property


  • 58. 
    Which of these items of personal property would be covered under a Dwelling policy when Coverage C is written?
    • A. 

      A motorcycle

    • B. 

      A pet poodle

    • C. 

      A pool table

    • D. 

      A sailboat


  • 59. 
    The Special Dwelling policy form provides which of the following?
    • A. 

      Basic coverage for the dwelling and broad coverage for personal property

    • B. 

      Broad coverage for the dwelling and basic coverage for personal property

    • C. 

      Open peril coverage for the dwelling and broad coverage for personal property

    • D. 

      Open peril coverage for both the dwelling and personal property


  • 60. 
    Which of the following Other Coverages is not included in the Basic Dwelling coverage form?
    • A. 

      Fire department service charge

    • B. 

      Collapse

    • C. 

      Debris removal

    • D. 

      Reasonable repairs


  • 61. 
    Under which of the Dwelling policy forms may the insured be reimbursed for the replacement cost when the dwelling is destroyed?
    • A. 

      All Dwelling forms

    • B. 

      The Basic form only

    • C. 

      The Broad and Special forms

    • D. 

      The Special form only


  • 62. 
    An insured has a DP-3 covering a home that has a replacement value of $100,000. The insured carries $60,000 of insurance. Following a loss, the determined is made that it would cost $12,000 to replace the damaged portion of the home. How much could the insured collect, assuming the ACV of the loss is $6,000?
    • A. 

      $12,000

    • B. 

      $9,000

    • C. 

      $6,000

    • D. 

      Nothing


  • 63. 
    Which of the following would not be covered under Coverage A or Coverage B of a Dwelling policy?
    • A. 

      A storage shed 100 feet in back of the insured's dwelling where she keeps various yard tools

    • B. 

      A detached garage that has been altered to house a manufacturing operation

    • C. 

      A stack of lumber placed at the edge of the insured's property that will be used to construct a storage shed

    • D. 

      A water heater located in the insured's attached garage


  • 64. 
    Which of the following losses would not be excluded under a Basic Dwelling policy form?
    • A. 

      While the insured is on vacation, a power failure that occurs away from the insured's home causes the electricity to go off in the insured's neighborhood for 10 hours. As a result, large amounts of food stored in a freezer are ruined.

    • B. 

      When Languid Lake overflows, the first floor of the insured's home is flooded, causing extensive damage.

    • C. 

      Following a fire, the insured suffers an additional loss because a city ordinance requires that he replace his frame dwelling with more expensive fire-resistant materials.

    • D. 

      An earthquake causes a fire that destroys the insured's home.


  • 65. 
    The Johnsons' home is covered by a Special Dwelling policy. When a fire damages the home, the family is forced to stay at a motel for a month while repairs are made. What coverage might reimburse them for these expenses?
    • A. 

      Dwelling coverage

    • B. 

      Additional living expenses

    • C. 

      Personal property coverage

    • D. 

      Fair rental value coverage


  • 66. 
    Myrtle has a Dwelling policy with Broad Theft coverage applicable both on and off her premises. Which of the following theft losses would be covered?
    • A. 

      A $400 handgun taken from a bureau in her home

    • B. 

      Theft of personal property owned by a boarder who rents a room in Myrtle's home

    • C. 

      Two credit cards taken from her desk in her home

    • D. 

      A tape player removed from the dashboard of her car that was parked in her garage


  • 67. 
    A homeowner who wants the maximum protection for her home and personal property should purchase the
    • A. 

      HO-4.

    • B. 

      HO-2.

    • C. 

      HO-3.

    • D. 

      HO-5.


  • 68. 
    An individual lives in an apartment. Which homeowners form should he purchase to cover his personal property?
    • A. 

      HO-4

    • B. 

      HO-6

    • C. 

      HO-8

    • D. 

      HO-3


  • 69. 
    Which homeowners form provides broad coverage for both the dwelling and its contents?
    • A. 

      HO-3

    • B. 

      HO-2

    • C. 

      HO-6

    • D. 

      HO-8


  • 70. 
    Which of the following could be covered by an unendorsed homeowners policy?
    • A. 

      Mobile home

    • B. 

      Home that is rented to another person

    • C. 

      Home occupied by the insured and two boarders

    • D. 

      Home that is owned and occupied by the insured


  • 71. 
    In the homeowners forms,
    • A. 

      the property coverage varies in each form.

    • B. 

      the property coverage is the same in each form.

    • C. 

      the liability coverage varies in each form.

    • D. 

      the liability coverage is the same in each form.


  • 72. 
    The Additional Coverage for collapse is included in which homeowners form(s)?
    • A. 

      All forms

    • B. 

      HO-4 only

    • C. 

      HO-2 and HO-3

    • D. 

      All forms except the HO-8


  • 73. 
    Which of the following classes of personal property are subject to special sublimits of coverage under a homeowners policy?
    • A. 

      Animals, birds, and fish

    • B. 

      Money

    • C. 

      Watercraft

    • D. 

      Trailers


  • 74. 
    Under a homeowners policy, which of the following classes of personal property have special limits for theft losses, but not for other types of losses?
    • A. 

      Money

    • B. 

      Firearms

    • C. 

      Silverware

    • D. 

      Jewelry


  • 75. 
    Which of these statements concerning Medical Payments to Others coverage are correct?
    • A. 

      Injury to an insured is not covered.

    • B. 

      The insured does not have to be legally liable for coverage to be available.

    • C. 

      Injuries that occur off the insured location are never covered.

    • D. 

      Medical payments are covered only if the expenses are reported within six months of the occurrence.


  • 76. 
    Which of these statements concerning personal liability coverage are correct?
    • A. 

      It covers damages that the insured becomes legally obligated to pay because of bodily injury or property damage.

    • B. 

      The insurer will not defend liability claims brought against the insured that are groundless or false.

    • C. 

      It applies to the insured's personal, nonbusiness activities that occur anywhere.

    • D. 

      It covers damages resulting from intentional acts of an insured.


  • 77. 
    Which of these statements about Coverage C of a homeowners policy are correct?
    • A. 

      It only covers the insured's personal property while it is at the residence premises.

    • B. 

      At the insured's request, coverage applies to a guest's property while the guest is in the insured's residence.

    • C. 

      Property normally kept at a residence other than the residence premises is covered for 10% of the Coverage C limit or $1,000, whichever is greater.

    • D. 

      There is no coverage for property being moved from the residence premises to a new principal residence.


  • 78. 
    A homeowners policy has been in force 30 days, and the company discovers that the insured has misrepresented certain material facts. The insurer wants to cancel the policy. Under what circumstances may it do so?
    • A. 

      The company must wait until the policy has been in force for 60 days before it may cancel.

    • B. 

      The company must give the insured 30 days written notice of cancellation.

    • C. 

      The company must give the insured 10 days written notice of cancellation.

    • D. 

      Under no circumstances; a policy cannot be cancelled because of material misrepresentation by the insured.


  • 79. 
    What is the limit on coverage for grave markers under the homeowners policy?
    • A. 

      $1,000

    • B. 

      $2,000

    • C. 

      $2,500

    • D. 

      $5,000


  • 80. 
    Which of the following cannot be covered by a homeowners Watercraft Liability endorsement?
    • A. 

      A 30-foot boat powered by a 25 horsepower outboard engine

    • B. 

      A 28-foot sailboat

    • C. 

      A 28-foot inboard motorboat

    • D. 

      A 25-foot boat powered by a 30 horsepower outboard engine


  • 81. 
    Ann's auto was damaged when it was struck by another car whose driver ran a stop sign. Which part of Ann's Personal Auto policy will cover the damage to her car?
    • A. 

      Collision Coverage of Part DCoverage for Damage to Your Auto

    • B. 

      Other Than Collision Coverage of Part DCoverage for Damage to Your Auto

    • C. 

      Part ALiability Coverage

    • D. 

      Part CUninsured Motorists Coverage


  • 82. 
    Which of the following would be eligible for a Personal Auto policy?
    • A. 

      McGuffin's Linen Service Company

    • B. 

      Nancy Hardwicke

    • C. 

      John and Suzette Oglesby, a married couple who live together

    • D. 

      Don Wilson's 16-wheel big rig, which he owns


  • 83. 
    Which of the following autos owned by the named insured could be covered under a Personal Auto policy?
    • A. 

      Pickup truck used on the insured's farm

    • B. 

      Station wagon

    • C. 

      Chevrolet sedan

    • D. 

      Panel truck used to make deliveries for the insured's small manufacturing operation


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