Personal Lines

The PAP collision deductible is $1,000 and the other than collision deductible is a $500. How much would the insurer pay for an accident involving the overturn of one vehicle resulting in $2,000 of damage?

$1,000

Very often the deductible amount under the collision and other than collision sections of a personal auto policy are different. With this in mind, what would be the amount that an insure would pay for a loss under the following circumstance:$500.00 dedecutible for other-than-collion, and $250.00 for collision losses? An accident occurs when an insured runs a red light and collides with another car, causing $1750.00 worth of damage to his vehicle

$1,500

Les has a personal auto policy with $250 deductible collision coverage and a $10 deductible other than collision coverage. He runs a stop sign and hits another car. there is $1300 worth of damage in his car. How much would the insurance pay for the damage

$1050

What is the limit per day for transportation expenses in an unendorsed PAP in the event of theft, after it is reported and atuomobile is not returned within 48 hrs of theft?

$20

What is the limit for sound reproducing equipment under the coverage endorsement for excessive sound reproducing equipment, audio, visual, and data electronics, tapes, records, disks, and other media endorsements in a personal auto policy

$200

Under CA financial responsibility law, the minimum financial responsibility for an accident that involves several people injured 10/5/15/30

$30,000

what would it ensure likely pay if the following where the details surrounding an accident for which the insured was at fault and had bodily injury limits of $25,000 per person and $50,000 per occurence? Three people were injured person one $11,000 person two $26,000, person three $12,000

$48,000 even though the total is $49,000 policy has a limit of $25,000 person, so the person that sustained $26,000 worth of injuries would only be paid $25,000

A PAP contains the following limitations 30/50. An accident occurs that injures three people resulting in a number of lawsuits. The outcome of the lawsuits found in the insured to be liable and responsible for the following damages 10,000 for the first person, 13,000 for the second person, and 35,000 for the third person. What will the policy pay

$50,000

Calculate the amount the insurer would pay. Under a PAP, for a loss in the following circumstances, with the following coverage limits Col. Cov- 500 deductible Deductible and other collision coverage- 50 Damage to the insured's vehicle- $1050 after the insured missed a stop sign and hits another

$550 which includes a $500 deductible for collision

Car is an accident with car be, suffers $10,000 of damage but is determined that 25% responsible fo the accident. How much would you receive under the comparative negligence rules?

$7,500

An insured has a PAP and did not pay the initial insurance premium when it was due. Insurer cancels the policy for non-payment. How many days notice must the insured give?

10 days

What is the minimum number of days that an insurer must give an insured prior to canceling a policy for nonpayment

10 days

The limited mexico endorsement applies to trips to mexico with durations of

10 days or less

what is the minimum discount percentage for the good driver discount

20%

Of the following loss scenarios, identify the one that is excluded from coverage under both the collision and other than collision coverage of an insured's PAP

A palm pilot computer is stolen form the vehicle while parked in the insureds driveway. there are forceable signs of entry into the vehicle

All of the following vehicles are eligible for coverage under a personal auto policy except

A private passenger auto owned by a partnership

Which of the following is not an uninsured motor vehicle as defined by the personal auto policies uninsured motorist coverage

A vehicle owned by a stat agency which self-ensures its auto

All of the following are considered an uninsured motor vehicle, according to the policy definitions found in a personal auto policy except:

A vehicle that is self insured because it is owned by a state agency

The limit of liability in a personal auto policy provides coverage for damage to your automobile is stated as the lesser of the amounts necessary to repair the damaged property vehicle or the blank

Actual cash value of the damaged or stolen property

The limit of liability under a PAP under this sections coverage for damage to your automobile is typically the lesser of the dollar amount needed to replace or repair the damaged property othe the blank of the damaged property

Actual cash value or fair market value

Which of the following events within the last three years would disqualify an individual for receiving a good driver discount

An at fault accident involving minor bodily injury

Damage which is the result of a hailstorm, in which of the following ways under a personal auto policy?

Covered as an other than collision loss

A car is insured using a personal auto policy. The car is damages by hail. The loss is:

Covered as other than collision loss

The coverage of a PAP covers

Damage caused by the insured, driving into a fallen tree that fell during a storm

Which of the following losses is not covered by either the PAP collision or other than collision coverage

David leaves his personal laptop computer in his car overnight. Car is parked in the driveway outside of his home. Computer is stolen from his car

Jackie's personal auto policy(which is unendorsed) would provide payment for which of the following?

Expenses of repairing a neighbors wall, surrounding a garden that Jackie accidentally backed through

The best definition of the term collision as found in a personal auto policy is which of the following?

Hitting any other vehicle or object with the insured vehicle or the upset of the insured's vehicle

Of the following choices, which of the following is correct regarding why a motorcycle is not automatically covered under a personal auto policy

In unendorsed personal auto policy does not automatically does not cover two wheeled vehicles

There is exclusions in automobile insurance issued by admitted insurers in CA regarding coverage in Mexico, which can only be provided to through and in Doris meant to a PAP. Which is true regarding this endorsement

It is liability coverage, on an excess basis, provided for losses that occur in Mexico within 25 miles of the CA/Mex international border

Which of the following describes market value?

It is what property could be sold for.

Can's car insured with a PAP. The coverage includes medical payments with $2000 limits. Which of the following is a true statement about the the medical payment coverage for necessary medical expenses

Kim gives her neighbor a ride to the store in the insured car. she has an auto accident in which they each incur over $2k in med expenses. The maximum amount that Kim's policy will pay is 2000 to her neighbor

The collision coverage of a personal auto policy does not cover the following loss situations except

Large limbs and branches of tree that have fallen onto the street as a result of a windstorm the injured collides with them

What coverage is available under the extended non-owned liability coverage?

Liability and medical payments

Maxis PAP has liability and collision coverage. His neighbor's car has liability coverage only. Max borrow his neighbors car and another car Max's PAP provides

Liability coverage that is excess of his neighbors liability coverage. His collision coverage also applies, but only on a primary basis.

Which of the following coverages may you buy with a named non owner liability policy

Liability, medical payments and uninsured motorists

Which of the following coverages may you buy with a named operator policy?

Liability, uninsured motorists, medical payments, collision and other than collision

To be covered for a hit and run accident under the uninsured motorist property damage coverage of APAP, what is required to be provided by the insurer?

License number for the hit and run vehicle

A PAP is written for Lisa providing liability coverage. Which of the following auto liability situations would not be covered unless Lisa has an endorsement attached and paid an additional premium

Lisa destroys the mailbox while driving a non-owned company car furnished or Lisa's regular

Which of the following may be covered under the physical damage insuring agreement of a personal auto policy?

Loss of a CD player installed in the vehicle dashboard

If an insured purchases and fall-terrain vehicle, what endorsement can be added to the PAP to ensure the vehicle

Miscellaneous type vehicle endorsement

What endorsements can be used to ensure a motorcycle under a personal auto policy

Miscellaneous type vehicle endorsement

The PAP territory limits include: Mexico City, Mexico, or London England, Tokyo Japan, or Montreal Canada

Montreal Canada

Why is a newly acquired motorcycle not automatically covered under the tems and conditions of a persona auto policy?

Motorcycles and other types of non automobiles are not covered under a personal auto policy that is unendorsed

Jim, your unmarried home owners insured, does not own a car. He is planning a vacation trip to florida and will be renting a car. He also drives cars belonging to friends occasionally. To protect Jim in these situations, you would recommend a PAP with

Named non-owner coverage endorsement

What kind of coverage would you recommend to one of your insureds who is single and does not own a car, but, she does on occasion, drive cars that belonged to her friends. Additionally she is planning a vacation to florida and will be renting a car while there

Named non-owner coverage endorsement

If an individual doe not own an auto, nor have regular use of an auto, what endorsement to a PAP could be used to properly protect that individual

Named nonowner liability coverage

Under an endorsed PAP, what coverage is available for personal effects

None

Which of the following could be covered by the physical damage section of a personal auto policy

None of these are covered

All of the following are principle rating factors under prop 103 for personal auto policies except driver safety record, years of driving experience, number of listed drivers annual miles driven

Number of listed drivers

An insured living in California has the following coverage's under PAP: with liability, medical payments, and loss other than collision. The individual vehicle is stolen from her driveway and then totally wrecked. Which of the following cover this loss?

Other than collision coverage

A personal auto poliyc will cover all of the following types of losses except

Personally owned by the insured is stolen from the insured's car while it is parked in the driveway at home

In the event of recovery of stolen property, which of the following is an insurers option when making a settlement with the insured under PAP

Return stolen property to the address shown in the policy

Which of the following loses would be covered under dicks PAP other than collision coverage

Someone shoots dicks car rear window while the car is parked on the street overnight

Which of the following is the only reason that an insurer can cancel an automobile insurance policy

That is insured by the policy and who is insured by the policy has had his license suspended temporarily

The Fair Credit Reporting Act permits consumer reporting agencies to include applicant information about bankruptcies MORE than 10 years old under which of the following circumstances?

The applicant is seeking a transaction greater than $150,000.

the PAP towing and labor endorsement pays for

The cost of labor only if the labor is the performed at the place of disablement

Your insured has a personal auto policy that provides medical payment coverage $2000. Of the following statements, which is true regarding the amount payable under this section of the policy?

The insured is carpooling to work with her neighbor when they are in an accident. Both are injured and incur almost $3,000 each in medical expenses. The insured and her neighbor would each be paid $2000 from the policy.

An endorsement and an extra premium would be required for which of the. following liability losses under a personal auto policy

The insured regularly uses, at the permission of his employer a company owned car, and has an accident with his vehicle

Which of the following is true statement about CAARP

The minimum liability for CAARP policies are 15/30/5

A single person does not own or lease any automobiles. She occasionally drives her housemates vehicle on an emergency basis. She is going on vacation and is going to rent a car. To obtain full automobile coverage when this occurs, what should she purchase

The name non-owner coverage endorsement

If an insured borrows a neighbor's vehicle to run a personal errand, how do the policies respond in the event of an auto accident

The neighbors policy is primary and the drivers policy is excess

If an insured under a personal auto policy leaves a covered auto dealer for repairs, and the auto is involved in an accident while being test driven by employee of the dealer, how will the personal auto policy respond to liability claims

The personal auto policy is excess in this case the auto dealers coverage would be primary

State of California DOI minimums for liability coverage 15/30/5 and insured has an accident out of state that has higher financial responsibility limits in CA which of these is true

The policy automatically provides the higher necessary limits without an extra premium

Under the liability portion of an unendorsed personal auto policy, what coverage is available if the named insured is operating a company car a regular basis?

The policy excludes this usage

An unendorsed personal auto policy would cover which of the following under the liability coverage part

The repair expenses that are needed to fix the damage to a neighbors fence that is the results of the insured negligently driving through it while driving unsafe

Newly acquired motorcycles are not automatically covered under a PAP because

The unendorsed policy does not cover two-wheeled vehicles

Other than collision coverage of a personal auto policy covers which of the following types of losses

The windshield of a vehicle is damaged while left overnight on a city street within 5 miles of the insured's residence

In addition to paying legal damages, but without deducting payment for the policy limits, which of these would be covered in a personal auto policy

These are all covered in addition to the limits stated in the policy contract

Your insured client has an auto policy with liability and collision coverage's. the insured experience an at fault accident the first time he uses the neighbor's truck which has liability coverage only. His PAP provides coverage and will pay for the entire loss since he was driving the truck

This is not how the insurance would handle the claim

The territorial limits of a personal auto policy include which of the following:

Toronto Canada

Under a personal auto policy how would the damage sustained to an insured vehicle from the insured smashing into a large falling tree that had come down several hours earlier as a result of lightning strikes be covered

Under the collision section of the policy

Under PAP how would the damage sustained to an insured's vehicle as a result of an earthquake be covered

Under the policy other than collision section of the policy

Which of the following clients would fall within the policy territory limits of a PAP issued by an insurer in the state of CA

Vancouver Canada

Which of these is not included in the definition of under motor vehicles in a personal auto policy

Vehicles that are owned by an agency of the state that self ensures the vehicle

You are the agent for an insured that carries both a homeowners policy and a personal auto policy(PAP) with you through the same insurance carrier. The insured is driving home,(in the auto you have insured),after purchasing a brand new big- screen TV,VCR, stereo, CD

What is the requirement, and what is provided, under the Mexico coverage endorsement to a PAP

An individual is driving home from the store with a new 48 in TV an accident occurs in the TV is destroyed the driver carries a homeowners policy as well as a personal auto policy will the damaged TV be covered if yes how

Yes under the personal property part of his homeowners policy

If an insured runs a vehicle while on vacation in the US, what coverage is provided under the personal auto policy

all coverage is in force in the personal auto policy

All coverage is available uncer the miscellaneous type vehicle endorsement

all coverage under the PAP

After collision loss, the PAP requires the insured to

allow the company to inspect the damaged property before it is repaired

Under a personal auto policy, who qualifies as an insured while using a covered auto

any person

Which of the following is EXEMPT from the Telemarketing Sales Rule that established the National Do Not Call Registry?

calls from or on behalf of political campaigns or organizations and charities

If an insured with PAP has an accident in a state with personal injury protection(PIP), how does that policy respond

coverage is automatically broadened to provide PIP

How would the damage resulting from hail be covered under a personal auto policy

covered as other than collision loss

All of the following risks are more likely to be insured by state or federal government programs EXCEPT

employer's liability insurance.

The Gramm-Leach-Bliley Act was enacted to protect consumer's right to privacy and made mandatory which of the following?

financial institutions must have a privacy policy in place

When does the APAP required that insured to notify the police

for hit and run accidents and theft

Under a personal auto policy, if a newly acquired auto is to replace the covered auto that has only liability coverage how long does the insured have to request collision coverage

four days

All of the following are examples of an insured's negligence EXCEPT

intentional destruction of property of another

Damage done by an earthquake to an insured auto is covered by the personal auto policy

is covered if the other than collision coverage is purchased

A private passenger vehicle is added to an insurance the according to CAlifornia insurance code

it makes no mention of a vehicle inspection requirement

If a motorhome is scheduled on miscellaneous type of vehicle endorsement, all of the following property is covered except, awnings, cabanas, refrigeration facilities, or luggage

luggage

All of the following are examples of conduct of an agent that is regulated by Department of Insurance EXCEPT

misappropriation or conversion of funds by an insurance agent.

APAP insureds car was a total loss when the car was stolen and wrecked. the insured had the following coverages: liability, medical payments, and other than collision. Which part of her PAP will pay for the loss?

other than collision

All of the following expenses are covered, in addition to the limits of liability, under the coverage of a personal auto policy except

prejudgement interest

Which of the following terms means giving something of value, not specified in the policy, to induce a customer to buy insurance?

rebating

Which of the following is a form of insurance company organization that consists of members who share losses with each other?

reciprocal

What is one of the principle reading factors under prop 103 allowed for PAP's

safety driving record

The Terrorism Risk Insurance Act and the National Flood Insurance Program are similar by providing which of the following?

subsidies, loss sharing or excess coverage

Sure manner for a newly acquired auto under this, but for the request is made

the broadest coverage for any vehicle shown on the declarations

If an insured rents an auto while on vacation, what coverage, if any, will be available for physical damage coverage under a PAP

the broadest coverage on any auto shown in the declarations

A personal auto policy contains the state required liability and medical payments coverage as well as other than collision coverage. How would a claim be paid if there was a loss after an insured vehicle is stolen and then wrecked

the claim would be paid under other than collision coverage

Stevens PAP liability coverage would par for: damage or injury caused intentionally by steve, the cost of repairing the neighbors fence that steve damaged due to the negligent operation of his car, stevens rental expenses, when his car is unusable due to a collision that was not his fault, or steves broken windshield caused by the tire of a passing car

the cost of repairing the neighbors fence that steve damaged due to the negligent operation of his car

All of the following are TRUE of the emergency type of flood insurance under the National Flood Insurance Progam EXCEPT

the insured may buy limited amounts of flood insurance coverage at subsidized rates for buildings only.

automobile insurance company is permitted to cancel a personal auto policy for which of the following reasons

the insured's driver's license is suspended. This is the person that normally drives the vehicle

In reference to the coverage is provided in the basic form, the boat owners policy is similar to what other

the personal auto policy

Under the liability portion of an unendorsed PAP, what coverage is available if the named insured is operating a company car on a regular basis

the policy excludes this usage

CA has lower financial responsibility limits than most other states. If randy, a CA personal auto policy insured, caring minimum limits on coverage, has an accident in a state that requires higher limits

the policy will automatically provide the higher required limits at no extra charge

An insured vehicle is stolen. Following this, the insured runs replacement vehicle for two months until her auto is repaired by the insurer. Will her personal auto policy pay for the cost of the rental and if so how much

the policy will pay all needed expenses of the insured incurs for the rental car up to the stated limits found in the policy

When an automobile insurance policy is canceled at the request of the insured, and the insurance company keeps all earned premiums, in addition to amounts to pay for overhead expenses incurred by the insurer, it is referred to as what type of cancellation

the short rate type of cancellation

Other than collision coverage of a personal auto policy includes which of the following types of losses

theft of any of these would be covered

Under an endorsed PAP, transportation expense coverage applies to

theft only losses

What is the difference between per accident limits in a split limit policy and single limits

there is not difference

Which of the following BEST differentiates the terms vacant versus unoccupied?

vacant means the absence of people and property

Livery conveyance is best described as a

vehicle for hire to transport people