Insurance Studies > EXAM > Personal Lines Insurance Test - Spring 2024 (Answered) (All)

Personal Lines Insurance Test - Spring 2024 (Answered)

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Personal Lines Insurance Test - Spring 2024 (Answered) The transportation / permission to move endorsement provides coverage for the collision, upset, stranding or sinking of a mobile home that is b... eing moved to a new location for up to ____ days. 30 A tort is a _____ or _______ wrong committed by one person against another. Civil Private Libel, slander and false arrest are categorized as ___________ torts. Intentional An unendorsed liability policy provides coverage for _____________ torts. Unintentional In establishing negligence in liability insurance, it helps if the claimant can prove the act was intentional. True or False? False _________ liability establishes that one can be held legally liable for the acts of another, such as a principal for the acts of its agents. Vicarious A willful, wanton or reckless disregard of the consequences affecting the life or property of another is the definition of _____ negligence. Gross Do specific damages include pain and suffering? No _________ damages are damages awarded as punishment for extreme objectional conduct by a negligent party. Punitive Would bodily injury coverage also include a breach of contract? No Bodily injury claims may include loss of earnings. True or False? True Personal injury includes bodily injury. True or False? False The dissemination of any written or printed material tending to unjustly injure a person's reputation, defines _____. Libel A person is obligated to a certain standard of conduct for the protection of others by legal duty. True or False? True When a stairway does not contain enough lighting, the owner has not fulfilled the required standard of care. True or False? True _________ ______ is defined as an unbroken, natural and continuous sequence that produced injury and without which the result would not have occurred. Proximate Cause ____________ negligence, under common law, denies recovery for damages caused by a negligent party if the claimant was also negligent. Contributory _________ defense in liability insurance are determined by the legislature. Statutory under __________ negligence, damages are reduced in proportion to the degree of negligence. Comparative Under comparative negligence, damages awarded vary depending on each states statues. True or False? True Employers are __________ liable for employee’s work-related injuries. Absolutely ______ liability is a legal doctrine that holds a manufacturer legally liable for injuries to a customer whether or not the manufacturer's product was defective. Strict The two types of no fault systems are _____ and ________. Pure Modified Under pure no fault, the tort system is completely abolished for bodily injuries caused by auto accidents. True or False? True Supplementary payments are not paid in addition to other limits of liability. True or False? False Exclusions may deny coverage for certain locations as well as certain persons. True or False? True When the limits of bodily injury and property damage are specified separately, they are known as _____ limits. Split When the limit of the policy can be applied to either bodily injury or property damage, wherever needed, or in any combination, this is a ________ ______ limit. Combined single Under a liability policy, an assignment of interest takes effect after the _______ consents. Insurer The process whereby an insurer seeks to recover against a third party that has caused it to pay a claimed to insured is known as ___________. Subrogation A household employee who is purchasing something for the insured would be considered a _________ employee. Residence Under the homeowner’s policy, medical payments to others applies to expenses that are incurred within ___ years of an accident. 3 Would the medical payments under section 2 of a homeowner’s policy cover loss of income of an injured person? No Would an insured's overnight guest be covered for medical payments under a homeowner’s policy? Yes Claims payed under section 2 of a homeowner’s policy are subject to a standard $250 deductible. False First aid expenses under section 2 of a homeowner’s policy would cover a neighbor that gets injured while helping the insured install a carpet. True or False? True Under section 2 of a homeowners policy, damage to property of others (additional coverages) duplicates coverage that is included in section 1. True or False? False Damages caused intentionally by an insured who is 12 years of age would be covered under damage to property of others (additional coverages). True or False? True Section 2 of a homeowner’s policy covers damage to property of the insured. True or False? False A motorized golf cart used by a retired homeowner to make trips to the corner grocery would meet the definition of covered vehicle under section 2 of a homeowner’s policy. True or False? False Would a 12 foot kayak be considered automatically as covered watercraft under section 2 of a homeowner’s policy? Yes Section 2 of a homeowner’s policy excludes payment for bodily injury or property damage arising out of the use, sale, manufacture, delivery, or possession of a controlled substance. True or False? True Under the business pursuits endorsement, must the business be named on the endorsement? Yes Malicious prosecution would meet the definition of personal injury and be a covered act under the personal injury endorsement. True or False? True A liability loss arising out of the use of a sailboat in a racing competition would be covered under the watercraft liability endorsement to the homeowner’s policy. True or False? True The home business endorsement provides coverage for the professional liability for services rendered by the insured for a business conducted form, the dwelling. True or False? False [Show More]

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