The time between the date of loss and the policy expiration date
The time between the policy effective date and date of loss
The time of year when a seasonal business suffers a loss
The time it takes to repair, rebuild, or restore damaged property
Assumption of risk
Fellow servant rule
Vehicles with fewer than four wheels are not eligible.
Vehicles owned by an individual or married couple may be insured.
Private passenger autos, pickup trucks, and vans used for personal transportation may be insured.
Vans used in a delivery business are eligible for coverage.
Loss of custom furnishings in a customized van
Loss caused by freezing of the cooling system
Damage to equipment designed for the detection of radar
Damage to a covered auto while being used as part of a car pool
It is being operated on public roads.
It is being carried or towed by a covered auto.
It is being operated away from the insured's premises and work sites.
It is being used for the purpose for which it was designed.
Both pure and speculative risks
Neither pure nor speculative risks
45 consecutive days
30 consecutive days
20 consecutive days
10 consecutive days
Six months after the accident date
One year after the accident date
Two years after the accident date
Three years after the accident date
A storage shed connected to the dwelling by a utility line
A laundry room attached to the dwelling
Building equipment and outdoor equipment
Materials and supplies used for construction or repair of the dwelling
Family cemetery plots
Any newly acquired premises
Structures on farm land owned by an insured
A nonowned premises used as a temporary residence by an insured
Original cost, plus depreciation
Original cost, less depreciation
Replacement cost, plus depreciation
Replacement cost, less depreciation
There are maximum limits on the amount of coverage available.
Coverage may be written by private insurance carriers.
Eligibility requirements are set by private insurance carriers.
The federal government reimburses insurance companies for losses that exceed premiums collected.
Underwriting practices that discriminate against applicants in certain geographical areas
Selling types of insurance to applicants who do not need that particular kind of coverage
Agency marketing practices that promote only the policies that pay the highest commissions
The tendency of people with greater than average exposure to loss to purchase insurance
90 days of the accident date
1 year of the accident date
3 years of the accident date
5 years of the accident date
Is in effect a deductible for insured losses.
Reflects the maximum the insurer will pay for a particular loss.
Applies between underlying coverage and the umbrella coverage.
Reduces the amount of underlying coverage available to cover insured losses.
Cargo lost or damaged through negligence
Damage to other vessels when caused by collision
Damage to or loss of the insured ship
Job-related injuries to sailors
Private residences only
Private residences and residential contents only
Residential and nonresidential buildings only
Residential and nonresidential buildings and contents
The basic and broad forms only
The broad and special forms only
The special form only
The basic, broad, and special forms
A bank or saving and loan association
A bar and grill
An office building of any size
An apartment building of any size
$150 a day for lost earnings
$200 a day for lost earnings
$250 a day for lost earnings
$300 a day for lost earnings