FL P&C Comprehensive Practice Test

Liability coverage under the PAP will cover which of the following? A A van used to deliver newspapers B Motorcycle C Company car D Non-owned golf cart

Nice try! The correct answer was D. Vehicles designed mainly for use off public roads are excluded, except for non-owned golf carts.

If a fire burns the home and property of an insured, what must the insured provide?

A inventory of the damaged property Preparing an inventory of the damaged property is one of the Duties in the Event of Loss under the Conditions section of a policy.

Which of the following is not an element of negligence? A. Assumption of risk B. Foreseeable consequences C. Proximate cause D. Duty owed

A. The elements of negligence are: Duty of care, violation of the duty of care, proximate cause, and damages that are foreseeable. Assumption of risk is defense against negligence, rather than an element of it.

Most liability policies do not provide coverage for: A Punitive damages B Compensatory damages C Special damages D General damages

Punitive damages are awarded to punish and discourage a wrongdoer from repeating negligent acts. Most liability policies do not provide coverage for punitive damages.

Which of the following would not be covered under Section II of the Homeowners Policy? A. Property damage to property owned by an insured B. Injuries to guests visiting the insured's home C. The family dog bites someone three blocks from the residence premises. D. First aid expenses

Section II provides liability insurance for the loss of a third party. Property owned by the insured is not covered.

Which of the following is not a condition found in an insurance policy? A Subrogation B Liberalization C Assignment D Insuring Agreement

Sorry! The correct answer was D. The Insuring Agreement is a Section of the policy, separate and distinct from the policy conditions.

A manufacturer is held liable for a product caused by an injury whether the product was or was not defective. This describes what type of liability?

Strict The document of Strict Liability applies to products and their manufacturers. It holds that the manufacturer can be held responsible for an injury caused by a product, even if the product is not

Which type of construction material has a fire-resistance rating between one and two hours for walls, floors and roofs? A Joisted Masonry B Modified fire-resistive C Non-Combustible D Fire Resistive

To be classified Modified Fire Resistive, the materials used in the walls, floors, and roof of a structure must have a fire resistive rating of at least 1 hour, but less than 2 hours.

An insured has auto insurance with both Company A and Company B; how much will Company B have to pay for a covered loss of $3,000 if Company A's Limit of Liability is $100,000 and Company B's is $200,000?

$2,000

Which of the following is true regarding liability insurance? A A liability policy provides coverage for all torts B A liability policy provides coverage for criminal acts C The liability policy provides coverage for all acts of wrongdoing D A liability policy provides coverage for unintentional torts

A liability policy is intended to provide protection in the event the insured's negligence causes bodily injury or property damage to others for which the insured becomes legally obligated to pay damages. Liability is an unintentional tort. Neither intentional torts nor criminal acts are covered by a liability policy.

In Florida, how much must be covered at a minimum under a unit owner's residential property policy in property loss assessment coverage? A $2,000 B $1,000 C $7,500 D $5,000

At least $2,000 must be covered under a unit owner's residential property policy in property loss assessment coverage.

The standard PIP coverage limit is: A. $5,000 in medical and disability benefits and $10,000 in death benefits B. $10,000 in medical and disability benefits and $5,000 in death benefits C. $10,000 in both medical and disability benefits and in death benefits D. $15,000 in medical and disability benefits and $10,000 in death benefits

B. $10,000 in medical and disability benefits and $5,000 in death benefits.

All of the following statements regarding the property policy structure are correct, except: A. The Declaration Page lists other parties having an insurable interest in the property. B. Additional coverages are added to the policy for an additional premium. C. The insured's duties and obligations are listed in the conditions section. D. The insuring agreement describes the perils that are covered under the policy.

B. Additional coverages are added to the policy for an additional premium. This is not true because additional coverages are automatically included without an additional premium.

Which description applies to General Damages? A. Those damages that can be documented B. Damages to the general public rather than to a specific party C. General Damages include punitive damages. D. Compensation to an injured party for pain, suffering, mental anguish, disfigurement, and similar types of losses.

D. General Damages are damages that are likely to continue into the future, and where it is difficult to put a final figure on the losses.

An exported insurance policy may not provide for deductible amounts other than those available under similar policies in actual and current use, except for: A. Commercial policies B. Flood policies C. Auto liability policies D. Windstorm policies

D. Except for windstorm policies, an exported insurance policy may not provide for deductible amounts other than those available under similar policies in actual and current use.

The Personal Auto Policy may be used to insure all of the following, except: A A farm pickup B A motorcycle C A station wagon D A conversion van

Oops! The correct answer was B. Motorcycles may not be covered under the PAP.

Policyholder L owns a dwelling, and rents the detached garage to tenants. The premises are insured under a DP-3 with a Coverage A limit of $100,000. How much is the detached garage insured for if damaged by a covered claim? A $20,000 B $10,000 C $50,000 D $5,000

Oops! The correct answer was B. The Coverage B limit of insurance is 10% of the Coverage A limit.

Liability Insurance is a two-party contract with payments made to which of the following? A The insured B The party of the first part C A third party D The party of the second part

Oops! The correct answer was C. The parties to the Liability Insurance Contract are the insured and the insurer. Under the terms of the policy, the insurer will pay those sums owed by the insured to a third party, whom the insured may have negligently damaged by a tort.

Which of the following statements is correct concerning the required time periods under loss payments? A The insurer must pay or deny the entire portion of the claim within 90 days after receipt of notice of a property insurance claim B The insurer must pay or deny the entire portion of the claim within 15 days after receipt of notice of a property insurance claim C The insurer must begin investigating the claim within 14 calendar days after receiving proof of loss statements D An agent or insurer must acknowledge receipt of a communication regarding a claim within 10 working days

A. The insurer must begin investigating the claim within 10 working days after receiving proof of loss statements. An agent or insurer must acknowledge receipt of a communication regarding a claim within 14 calendar days. The insurer must pay or deny the entire portion of the claim within 90 days after receipt of notice of a property insurance claim.

An unintended and unforeseen event from which a loss results is called which of the following?

Accident

Which kind of contract is defined as an unequal exchange in value?

Aleatory An insurance policy is an aleatory contract because the insurer's obligation to pay a loss depends on uncertain events.

M and C both have Personal Auto policies with liability limits of 20/30/10. If M borrows C's car and injures a pedestrian, causing injuries that will cost $5,000 to treat, which policy will provide coverage for the injured party?

C's Policy The owner's coverage is primary (insurance follows the car not the driver). Coverage for a non-owned vehicle is excess.

What is the principle of liability that imposes legal liability for injury and damage by products? A. Absolute liability B. Contingent liability C. Strict liability D. Professional liability

C. Strict Liability Strict Liability applies to products causing an injury, whether or not the product was defective.

Which of the following is NOT correct with respect to premium financing? A. A premium finance agreement provides that the premium finance company will premiums to the insurer to be repaid by the insured. B. The service charge by an insurer may not be more than 1/2 of the additional charge by the premium finance company companies. C. The service charge allowed for a premium finance company is the same as the service charge allowed for an agent. D. A premium finance company must file all forms, service charge, and interest rate plants with the Office for approval.

C. The service charge allowed for a premium company is up to a maximum of $12 per $100 per year, plus a nonrefundable additional charge up to $20, whereas the service charge allowed for an agent or agency cannot exceed $3 per installment, or $36 year year.

S carries a Personal Auto Policy with Liability limits of 50/100/25. What is the maximum the policy will pay if S struck another vehicle causing injury to the occupants as follows: Driver - $70,000; Passenger 1-$30,000; Passenger 2-$50,000 and property damage to the other vehicle - $20,000?

$120,000 Coverage is as follows: Driver - $50,000; Passenger 1 - $30,000; Passenger 2 - $20,000, since the policy will only pay $50,000 per person and a total of $100,000 per accident. The property damage is fully covered, totaling $120,000

Which of the following is a legal liability imposed without demonstrated negligence? A Absolute Liability B Contingent Liability C Vicarious Liability D Direct Liability

Because of the high degree of hazard associated with some risks, no degree of care is sufficient to fulfill the responsible party's duty to the public. In such cases, the responsible party is legally liable even when no negligent act is committed. The principle conferring this liability is known as absolute or strict liability.

In Florida, how much must be covered at a minimum under a unit owners residential property policy in property loss assessment coverage?

$2000 At least $2000 must be covered under a unit owner's residential property policy loss assessment coverage.

The Florida Insurance Guaranty Association will assume the contractual obligations of an insolvent insurer up to _________ for any one policy.

$300,000 The Association's liability for the contractual obligations of the insolvent insurer does not exceed $300,000 for any one policy and an additional $200,000 for the portion of a covered claim for damage to the structure and contents.

B has two policies on a property. Policy A is for $20,000; Policy B is for $40,000. If Policy A has a pro rata provision, how much will it pay for a covered loss of $15,000?

$5000 The total amount of coverage is $60,000. Policy A provides 1/3 of that total, so Policy A's pro rata contribution would be 1/3, or $5000. Policy B provides $40,000, or 2/3 of the total coverage, so Policy B pays two-thirds.

When property is valued on a replacement cost basis, losses will be paid: A At today's costs, without any deduction for depreciation B At market value of the damaged property C At the cost to replace with functionally equivalent property D At an amount previously agreed upon by the insured and insurer

A. Replacement cost valuation pays the cost to replace property with property of like kind and quality, without a deduction for depreciation. Many property policies providing loss valuation at replacement value require covered property to be insured to a certain percentage of its replacement value, such as 80% or 90%.

Which of the following statements is correct concerning the required time periods under loss payments? A. The insurer must pay or deny the entire portion of the claim within 90 days after receipt of notice of a property insurance claim. B. An agent or insurer must acknowledge receipt of a communication regarding a claim within 10 working days. C. The insurer must pay or deny the entire portion of the claim within 15 days after the receipt of notice of a property insurance claim. D. The insurer must begin investigating the claim within 14 calendar days after receiving proof of loss statements.

A. An insurer must pay or deny the entire portion of the claim within 90 days after receipt of notice of a property insurance claim. The insurer must begin investigating the claim within 10 working days after receiving proof of loss statements. An agent or insurer must acknowledge receipt of a communication regarding a claim within 14 calendar days. The insurer must pay or deny the entire portion of the claim within 90 days after receipt of notice of a property insurance claim.

For a dwelling with limits of at least $100,000, but less than $250,000, the insurer may, in lieu of offering a policy with a $500 hurricane deductible, offer a policy that : A. Contains up to a 2% hurricane deductible B. Contains up to a 10% hurricane deductible C. Contains up to a 6% hurricane deductible D. Contains up to a 4% hurricane deductible

A. Contains up to 2% hurricane deductible For a dwelling with limits of at least $100,000, but less than $250,000, the insurer may, in lieu of offering a policy with a $500 hurricane deductible, offer a policy that contains up to a 2% hurricane deductible. For a dwelling with limits of $250,000 or more, the insurer must offer hurricane deductibles of 2%, 5%, or 10% of the policy dwelling limits

The Basic (DP-1) Dwelling Form does not include which coverage? A. Additional living expenses B. Property removed to a newly acquired residence C. Fair rental value D. Worldwide coverage on personal property with a limit up to 10% of Coverage C

A. Coverage for Additional Living Expenses ONLY available under the DP-2 and DP-3 forms.

A state requiring that the commissioner agree that a company's rates are appropriate before they are made effective uses which type of rating approval? A. Prior approval B. Open Competition C. Mandatory D. File and use

A. Prior approval Prior approval requires that the rates cannot be used until the commissioner approves the rate, or until a set time period has expired after the filing.

Under the Basic Dwelling Form, losses are paid on which basis?

Actual Cash Value The DP-1 pays on an actual cash value, rather than replacement cost basis.

An unintended and unforeseen event from which a loss results is called which of the following? A Proximate cause B Peril C Accident D Risk

An accident is the unforeseen and unplanned event from which a loss derives.

The Extended Non-Owned Coverage endorsement to the Personal Auto Policy should be added by an insured who is: A. Travelling to Mexico and will be renting a car there B. Being furnished a company car C. Renting a motorcycle D. Towing a rented snowmobile

B. Being furnished a company car The endorsement covers non-owned autos furnished or available for the insured's regular use.

Which of the following powers describes the authority stated in an agent's agency contract? A. Apparent B. Express C. Assumed D. Implied

B. Express The agency contract, which exists between an insurer and a producer, sets forth the powers that are granted to the producer. These powers are referred to as express because they are directly stated in the contract.

All of the following are elements of an insurable risk, except: A. The loss must be accidental B. The loss may be catastrophic C. The loss must be measurable D. There must be a large number of homogenous units with the same exposure.

B. Insurers want to avoid insuring against catastrophic perils.

The ISO Homeowner 2011 policy adds an additional coverage for the following, except: A. Fungi B. Rust C. Bacteria D. Wet or dry rot

B. Rust The ISO Homeowner 2011 policy adds an additional coverage caused by fungi, wet or dry rot, or bacteria, but not for damages caused by rust.

Which of the following statements is true concerning the National Association of Insurance Commissioners? A. The NAIC establishes insurance law at the federal level B. The NAIC provides research and recommendations C. The NAIC enforces insurance regulations D. The NAIC appoints Commissioners/Directors of Insurance for each state.

B. The NAIC is an advisory group that makes regulatory and legislative recommendations, but has no legal authority to enact or enforce laws.

Which of the following statements is correct concerning proof of loss requirements? A. Written proof of loss must be given to the insurer no later than 90 days from the time specified unless the claimant was legally incapacitated. B. Written proof of loss must be filed with the insurer within 30 days after the loss. C. When the insurer receives a notice of claim, the insurer, must provide the claimant forms for filing proof of loss within 15 days. D. If the forms for filing proof of loss are not given to the claimant within 15 days, the claimant will need to wait to file proof of loss.

C. If the forms for filing proof of loss are not given to the claimant within with 15 days, the claimant may give the insurer a written statement of the nature and extent of the loss within the time. Written proof of loss must be filed with the insurer within 90 days after the loss. Written proof of loss must be given to the insurer no later than one year from the time specified unless the claimant was legally incapacitated.

Which of the following best describes Towing and Labor Costs endorsement to the Personal Auto Policy? A. It provides coverage for towing a covered auto involved in an collision B. It provides coverage for towing charges incurred when towing a disabled vehicle to the insureds home C. It provides payment for towing to a garage, or for labor that is performed at the site of a mechanical disablement. D. It provides coverage for labor costs incurred after being towed to a repair shop.

C. Towing and Labor Costs Coverage pays for towing a mechanically disabled auto to a garage or for labor performed at the site of disablement.

When damages are reduced in proportion to the degree of negligence, this is an example of:

Comparative Negligence Comparative Negligence is a defense wherein damages are reduced in proportion to the degree of the claimant's negligence. For example, if the claimant is 5% negligent and the wrongdoer is 95% negligent, the claimant may only recover 95% of damages.

When damages are reduced in proportion to the degree of negligence, this is an example of: A Contributory Negligence B Absolute Negligence C Proportional Negligence D Comparative Negligence

Comparative negligence is a defense wherein damages are reduced in proportion to the degree of the claimant's negligence. For example, if the claimant is 5% negligent and the wrongdoer is 95% negligent, the claimant may only recover 95% of damages.

When a loss occurs as a result of two perils, one of which is excluded and the other of which is insured against, the situation is known as:

Concurrent Causation Concurrent Causation is the legal doctrine that states that when a property loss is due to two causes, one that is excluded and one that is covered, the loss is covered.

Which of the following is not true of the National Flood Insurance Program? A Property moved to another location to protect it from flood at the insured location is covered for 45 days at the other location. B The deductible applies separately to the building and personal property C Personal property in basements is not covered D Coverage becomes effective 24 hours after the applicant completes the application and pays the premium.

Coverage becomes effective on the 30th calendar day after the applicant completes the application and pays the premium. This is to avoid insuring property that might already be in imminent or existing flooding conditions.

Policyholder C's debit card is stolen, and $1,000 is subsequently stolen from his account. How much will his HO-3 pay for the loss? A. 0% B. $250 C. $500 D. $1,000

Coverage up to $500 is paid for the theft or unauthorized use of a credit card or electronic fund transfer card (debit card).

Which of the following coverages is not provided by the Personal Liability endorsement? A. Medical payments to others B. Defense costs C. First aid expenses D. Injury caused to a regular resident of the dwelling

D. Liability coverage applies to expenses incurred by resident employees, but not the named insured or regular residents of the named insured household.

All of the following are producer responsibilities, EXCEPT: A. Represent the insurer B. Solicit and accept applications, forward them to the insurer C. Provide quotes and collect premiums D. Issue policies

D. Producers do NOT issue policies, they represent the insurer in soliciting, receiving, and forwarding applications, providing quotes, and collecting premiums.

Which of the following is an example of general damages? A. Medical expenses B. Repair costs C. Loss of income D. Pain

D. Special damages are an award to an injured party for actual and known expenses such as bills, loss of earnings, and the cost of repairing or replacing damaged property. General damages are paid to compensate losses that cannot be calculated objectively.

A personal umbrella policy will not provide coverage for which of the following? A. Property damage liability to property in the insured's care B. Personal Injury C. Bodily injury D. Automobile liability

Damage to property in the care, custody of an insured is excluded under the personal umbrella policy.

Which of the following is false with respect to pure comparative fault? A. Only one party may be at fault B. Each party to the action will be evaluated and determined to be a certain percent at fault C. Each party would be able to collect from the other for the amount of damages that equal the percent of being free of fault D. There is no recovery if a person is injured while under the influence of drugs or alcohol and more than 50% at fault

FALSE: Only one party may be at fault Each party to the action will be evaluated and and determined to be a certain percent at fault, so more than one party is at fault.

Which of the following is true of supplementary payments under Part A of the Personal Auto Policy? A. They are paid as supplementary benefits only after the limit of liability is exhausted B. Any payments made reduce the liability limits by a like amount C. They are paid only once during the policy term D. They are paid in addition to the liability limits of the policy

FALSE: They are paid in addition to the liability limits of the policy The supplementary payments of the Personal Auto Policy Provide payment in addition to the limit of liability for the incidental expenses commonly associated with liability claims.

Loss of income suffered by a store owner after his/her store is destroyed in a fire is considered a(n):

Indirect Loss The direct loss to a property is the damage caused by an insured peril, the fire. The indirect, or consequential, loss is further financial loss that results from the loss of business income due to the loss of the damaged store.

Which of the following would be covered under the Damage to Property of Others additional coverage of the Homeowners Policy? A. Damage to the property owned by the insured B. Damage arising out of the insured's business pursuits C. Damage to the property owned by the insured's tenant D. Damage caused intentionally by the insured 10-year-old son

Intentional damage by a child under the age of 13 us covered.

Coverage for recreational vehicles can be added to the Personal Auto Policy by the:

Miscellaneous Type Vehicle Endorsement The Miscellaneous Type Vehicle coverage includes recreational vehicles.

Because the insurance company must pay claims and the insured must comply with the policy terms, the insurance contract is considered which of the following types of contracts? A Conditional contract B Aleatory contract C Contract of adhesion D Unilateral contract

Nice try! The correct answer was A. A conditional contract is enforceable only under certain conditions. For example, a claim will be paid only if there has been a covered loss.

Which of the following is false with respect to the Division of Rehabilitation and Liquidation? A The Division handles unclaimed property B The Division performs the duties as receiver of any insurer placed into receivership in Florida C The Division monitors the financial condition of insurers and rehabilitates or liquidates insurers as needed D The Division plans, coordinates, and directs the conservation, rehabilitation, and liquidation of insolvent insurance companies

Nice try! The correct answer was A. The Division of Rehabilitation and Liquidation does not handle unclaimed property.

Which statement is not correct about the Right to Recover Payment under the PAP? A The insured must reimburse the insurance company if the insured is paid by the other party B The right to recover involves going after the negligent party to pay for the insured's loss C The Right to Recover is an insured's right D The person who is paid a claim must give the insurance company the right to recover damages

Nice try! The correct answer was C. The Right to Recover is a right given by the insured to the insurer after the insurer paid a claim.

When a policy covers the peril of Windstorm or Hail, a risk may be eligible for a credit to the wind portion of the premium. Which of the following do these credits NOT apply to? A Opening Protection B Roof-Wall Connection C Flooring D Roof Shape

Nice try! The correct answer was C. The credits to the wind portion of the premium do not apply to flooring.

What is the name for an insurer organized in the same state in which it is authorized to do business? A Admitted B Alien C Foreign D Domestic

Oops! The correct answer was D. A domestic insurer is organized under the laws of the state it does business in.

Liability coverage is designed to:

Protect the insured from bodily injury and property damage they are legally obligated to pay

The Florida Insurance Guaranty Association will assume the contractual obligations of an insolvent insurer up to _________ for any one policy. A $300,000 B $100,000 C $250,000 D $150,000

The Association's liability for the contractual obligations of the insolvent insurer does not exceed $300,000 for any one policy and an additional $200,000 for the portion of a covered claim for damage to the structure and contents.

Which of the following is a function of the Bureau of Financial Investigations? A Prosecute violations of Insurance or Criminal law B Handle consumer complaints C Supervise insurer and agent licensing D Act as a criminal justice agency within the Department of Financial Services

The Bureau of Financial Investigations does not supervise insurer and agent licensing, prosecute violations of Insurance or Criminal law, or handle consumer complaints.

Which of the following statements is false regarding the Florida Automobile Joint Underwriting Association (FAJUA)? A Each auto insurer must be a member of the Association B The FAJUA provides automobile liability insurance when an insurer becomes insolvent C Losses and expenses are equitably apportioned among the member insurers D The FAJUA provides automobile liability insurance for individuals who have been unable to obtain auto insurance through normal markets

The FAJUA provides automobile liability insurance for individuals who have been unable to obtain auto insurance through normal markets, not claims for an insolvent insurer.

Which section lists the perils insured against by a property insurance policy? A Additional Coverages B Declarations C Insuring Agreement D Definitions

The Insuring Agreement is the company's commitment to protect the insured and includes a description of the perils insured against.

Which of the following parties may assign a standard property policy? A. The Bailee B. The First Named Insured C. The insured with prior written permission of the insurer. D. The insurer.

The insured can only assign or transfer rights of ownership with prior written consent of the insurer.

In the event of the total loss of a building, the insurer's liability under the policy if caused by a covered peril will be the amount of money for which the property was insured. This describes which of the following? A. Agreed Value B. Insurance to Value C. Valued Policy Law D. Replacement Cost

The policy Coverage A amount will be the insurer's liability regardless of the replacement cost of the dwelling, but it does not apply if there has been any change increasing the risk without the insurer's consent or fraudulent or criminal fault on the part of the insured or acting in the insured's behalf.

Paul is an agent for ABC Insurance Company, which has just issued a life insurance policy to Maria. Who is the "principal" in this transaction? A Maria, the insured B Maria's beneficiary C Paul, the agent D ABC Insurance Company

The principal is part of the Law of Agency. The Law of Agency is a relationship where one party (the agent) represents and acts on behalf of the other party (the principal). The insurance company is the principal.

All of the following are true of subrogation, except: A It allows the insurer to file suit against the insured B It allows the insurer to attempt collection from a third party to reimburse a loss C It helps the insurer control expenses and premiums D It prevents the insured from collecting twice for the same loss

The principle of subrogation requires the insured to transfer its right of recovery against any party causing a loss to the insurer, after it accepts payment from the insurer for a loss. Subrogation allows the insurer to recover from the third party that caused a loss any amounts paid to an insured. It also prevents the insured from collecting twice for the same loss. It does not allow the insurer to sue the insured.

What determines whether an action is a negligence action?

The substance of the action Neither a court, nor the type or amount of loss incurred, determines whether an action is a negligence action. The substance of the action determines whether an action is a negligence action.

Policyholder J has a no-fault auto policy. Upon being hit by a driver that ran a stop light, J suffers a broken leg. Whose insurance company will pay for J's injury? A J's and the negligent driver's insurer will share the loss B J's insurer C The insurer of the at-fault driver D The court will determine which insurer is responsible

Under no-fault insurance, the injured party collects insurance benefits from his/her own insurance as if it were first-party coverage, eliminating the need to determine negligence or legal liability.

Negligence is what kind of tort? A A criminal tort B An unintentional tort C An intentional tort D A gross tort

Unintentional Tort

Water damage caused by which of the following is a covered loss under the Dwelling policy? A. Discharge caused by a plumbing failure B. Overflow of water from a sump pump C. Leaks through a driveway D. Water below the surface of the ground

Water damage is excluded if caused by surface water, tidal water, and leakage through a building, foundation, or other structure.

All of the following are true regarding the structure of the property policy, except: A. The insured's duties in case of loss are found in the Insuring Agreement B. The bankruptcy condition does not relieve the insurer of its duties or obligations under the policy C. The Declarations include the insured's name, policy period, policy limits and the amount of premium. D. The Exclusions itemized the perils not covered.

a. The insured's duties in case of loss are found in the Insuring Agreement The Conditions lists the general rules and duties in the event of a loss under the policy

The Miscellaneous Type Vehicle Endorsement attached to a Personal Auto Policy allows eligibility of a motorcycle by: A. Specifically naming it in the Declarations B. Altering the four-wheel requirement C. Adding motorcycles to the list of eligible vehicles D. Amending the definition of 'your covered auto' and 'newly acquired auto' to include any miscellaneous type vehicle

d. Amending the definition of 'your covered auto' and 'newly acquired auto' to include any miscellaneous type vehicle.