Property and Casualty Exam

The insured under a property insurance policy must carry insurance equal to a specified percentage of the property's value to qualify for replacement cost coverage. This is an example of the A. Coinsurance clause. B. Liberalization clause. C. Other Insurance clause. D. Subrogation clause.

A. Coinsurance clause.

An unendorsed Commercial Crime policy is designed to pay for A. direct losses to the insured's property, subject to a deductible. B. direct and indirect losses to the insured's property, with no deductible. C. property in the care of the insured, with no deductible. D. losses due to interruption of business.

A. direct losses to the insured's property, subject to a deductible.

When the insured's home is damaged in a tornado, she is forced to move into a hotel for several days while repairs are made. The additional expenses the insured incurs for the hotel are considered a/an A. indirect/consequential loss. B. liability loss. C. negligence loss. D. punitive loss.

A. indirect/consequential loss.

The definition of "Casualty" insurance includes A. liability insurance. B. property insurance. C. life and health insurance. D. title insurance. Next Question

A. liability insurance.

Which of the following statements is NOT true? A. A sealed roof deck can be achieved in both new and existing homes B. A homeowner must be reroofing in order to achieve a sealed roof deck on an existing home C. Sealing the roof deck is a critical part of achieving FORTIFIED Home designations D. The Bronze level of FORTIFIED is focused on strengthening the roof system and keeping water out of the home

B. A homeowner must be reroofing in order to achieve a sealed roof deck on an existing home

What is arbitration? A. A means of convincing a client to cancel already existing insurance and buy another policy to the detriment of the policyholder B. A means of settling disputes between the insured and the insurer C. Transferring to the insurance company the insured's right to collect from a negligent third party D. A means of paying a claim by deducting depreciation from replacement cost

B. A means of settling disputes between the insured and the insurer

What is subrogation? A. A device to pro rate an insurance company's liability when other insurance covers the same property. B. A means of settling loss disputes. C. Transferring to the insurance company the insured's right to collect from a negligent third party. D. A device to diminish small insurance claims. Next Question 3

B. A means of settling loss disputes.

John's Personal Auto policy limits are 100/300/100. He causes an accident which injures the three occupants of the other vehicle in amounts of $40,000, $120,000 and $140,000. He also caused $30,000 of damage to the other vehicle. John's liability coverage would pay a total of A. $240,000 [40 + 100 + 100 = 240] B. $270,000 [40 + 100 + 100 + 30 = 270] C. $300,000 [40 + 120 + 140 + 30 = 330, but the limit is 300] D. $330,000 [40 + 120 + 140 + 30 = 330]

B. $270,000 [40 + 100 + 100 + 30 = 270]

An insurance producer must inform the Alabama Commissioner of Insurance of administrative action against the producer by another governmental agency within _________ days of its final resolution. A. 10 B. 30 C. 60 D. 90

B. 30

Assume the following items were stolen from the insured's home. Which one of these losses would be fully covered under Coverage C (Personal Property) of the Homeowner's policy, assuming the loss was for the full value of the property described? A. $500 in cash B. A $1,000 emerald bracelet C. A canoe valued at $2,000 D. A $3,000 fur coat

B. A $1,000 emerald bracelet

Xavier's car is insured by ABC Insurance Company. Xavier took out a loan with First City Bank to purchase the car, and is still making payments on the car loan. Who has an insurable interest in the car? A. Xavier only B. Xavier and First City Bank C. ABC Insurance Company and Xavier D. ABC Insurance Company, Xavier and First City Bank

B. Xavier and First City Bank

Frank owns a power boat with a 100 horsepower motor. Which is true of Frank's coverage for the boat under his Homeowner's policy? A. Frank would have no property or liability coverage for the boat B. Frank would have $1000 property coverage and limited liability coverage C. Frank would have $1500 property coverage for the boat but no liability coverage D. Frank would have both property and liability coverage for the boat

C. Frank would have $1500 property coverage for the boat but no liability coverage

Which of the following is a peril? A. Smoking in bed B. Improper storage of flammables C. Hail D. Fog

C. Hail

Which of the following is normally NOT an exclusion under the Equipment Breakdown Coverage policy? A. Earthquake B. Flood C. Internal Explosions D. Wear and tear

C. Internal Explosions

Which of the following statements BEST describes a collision? A. The impact of two or more vehicles B. The impact of an automobile with any other object C. The impact of an automobile with another object or vehicle, or the upset of the vehicle D. The impact of an automobile with any moving vehicle

C. The impact of an automobile with another object or vehicle, or the upset of the vehicle

The implied warranties of an Ocean Marine policy include all of the following EXCEPT A. The cargo is in good condition and packed properly. B. The ship is seaworthy. C. The sprinkler system is in place and functional. D. The voyage's purpose is legal.

C. The sprinkler system is in place and functional.

Under the "Reinstatement of Limit after Loss" condition form in a Commercial Inland Marine policy, the contract limits will not be reduced following payment of a loss EXCEPT in the case of what? A. The partial loss of a scheduled item. B. The partial loss of an unscheduled item. C. The total loss of a scheduled item. D. The total loss of an unscheduled item.

C. The total loss of a scheduled item.

Which of the following would NOT be covered under the Other Than Collision section of a Personal Auto policy? A. Theft of the spare tire from the trunk B. Theft of the radio mounted in the dash C. Theft of a portable radio left on the seat D. Theft of the hood ornament

C. Theft of a portable radio left on the seat

The Broad Cause of Loss Form adds coverage for damages caused by all the following EXCEPT A. Falling Objects. B. Freezing and Leaking of Pipe and Plumbing Fixtures. C. Theft. D. Weight of Snow, Ice or Sleet.

C. Theft.

You are held responsible when your 13-year-old daughter vandalizes the neighbor's house. This is an example of A. Absolute Liability B. Strict Liability C. Vicarious Liability D. Contractual Liability

C. Vicarious Liability

Who may cancel an insurance policy, assuming cancellation is not contrary to the law? A. the insured B. the insurance company C. either A or B D. neither A nor B

C. either A or B

Under a Personal Auto policy, your duties following a loss include all of the following EXCEPT A. notify the company promptly. B. notify the police if a law has been broken. C. file a lawsuit against any negligent third party. D. file a formal written proof of loss if requested.

C. file a lawsuit against any negligent third party.

To file a claim for coverage under Part B (Med Pay) of the Personal Auto policy, the claimant A. must prove that the driver was negligent. B. suffer extreme bodily injury to recover for pain and suffering. C. must incur expenses within three years of the accident. D. suffer an injury while covered by Workers Comp. Next Question

C. must incur expenses within three years of the accident.

Coverage C under a Dwelling policy contains coverage for A. the dwelling and all permanent attachments. B. other detached structures on the insured premises. C. personal property. D. additional living expenses.

C. personal property.

In an Umbrella Liability policy, the amount the insured must satisfy before payment may be made under the Umbrella for a loss NOT covered by an underlying policy is called the A. excess liability. B. reinsurance level. C. self-insured retention. D. disappearing deductible.

C. self-insured retention.

Under the NFIP policy, all of the following are generally considered to be floods EXCEPT A. mudslides. B. runoff of surface water. C. sewer backup. D. overflow of tidal waters.

C. sewer backup.

Liability insurance for an auto dealer to cover damage to a customer's auto while in the dealership's repair shop can be provided under A. a Commercial General Liability policy. B. the Liability section of a Garage coverage form. C. the Garagekeepers Liability section of the Garage coverage form. D. the Liability section of a Business Auto coverage form.

C. the Garagekeepers Liability section of the Garage coverage form.

A surety bond is a (an) A. two-party contract. B. four-party contract. C. three-party contract. D. insurance contract.

C. three-party contract.

A person who for compensation, fee, or commissions negotiates settlement of claims under insurance contracts in Alabama is called a/an A. Consultant. B. Adjuster. C. Service Claims Representative. D. Financial Planner.

B. Adjuster.

The HO-4 is basically intended to cover which of the following types of risks? A. Apartment buildings B. An apartment-dweller's personal property C. A single-family detached dwelling D. A mobile home

B. An apartment-dweller's personal property

A thief hides in a store until it closes. He then takes insured property and breaks out of the store. In the Commercial Crime policy this would be called A. Breaking and Entering. B. Burglary. C. Robbery. D. Vandalism.

B. Burglary.

Bid bonds, performance bonds, payment bonds, and completion bonds are all examples of what type of surety bonds? A. Judicial bonds B. Contract bonds C. License and Permit bonds D. Public Official bonds

B. Contract bonds

Which of the following property is covered under the Building and Business Personal Property coverage form? A. Property being illegally traded B. Paper stock on a loading dock at the insured's premises awaiting pickup C. Cash contained in a cash register inside the insured's business D. The insured's pet mynah bird, which occupies a cage in the insured's office

B. Paper stock on a loading dock at the insured's premises awaiting pickup

Under Alabama law an insurer can cancel an automobile insurance policy for any of the following EXCEPT A. Lying on the application for insurance B. Paying the insurance premium on time C. Filing a false claim for insurance D. The insured vehicle is unsafe

B. Paying the insurance premium on time

The Common Policy Declarations of the Commercial Package policy includes each of the following EXCEPT A. name and mailing address of the insured. B. policy period. C. premium. D. perils insured against.

D. perils insured against.

The type of hazard represented by slick floors is called a A. speculative hazard. B. moral hazard. C. morale hazard. D. physical hazard.

D. physical hazard.

In Crime insurance, any act of stealing is considered A. burglary. B. forgery. C. robbery. D. theft.

D. theft.

All of the following are requirements to receive an Alabama insurance producer license EXCEPT: A. An applicant must be at least 18 years old. B. An applicant must complete a prelicensing course (unless exempt from the requirement). C. An applicant must successfully pass a written examination for the requested line of authority (unless exempt from the requirement). D. An applicant must have a diploma from an approved college or university.

D. An applicant must have a diploma from an approved college or university.

Which of the following is NOT a mechanism available to eliminate the coinsurance requirement of a Commercial Property insurance policy? A. Agreed value approach. B. Monthly limit of indemnity. C. Maximum period of indemnity. D. Extended business income period.

D. Extended business income period.

Which one of the following limits in the Commercial General Liability coverage form is NOT subject to the GENERAL aggregate limit? A. Fire legal limit B. Per occurrence limit C. Premises and operations limit D. Products and completed operations aggregate

D. Products and completed operations aggregate

Which is NOT automatically covered by a Commercial General Liability policy? A. Premises Liability B. Products Liability C. Personal Injury Liability D. Professional Liability

D. Professional Liability

What type of Ocean Marine insurance covers goods while they are in transit over water? A. Cargo B. Freight C. Hull D. Protection and Indemnity

A. Cargo

Under the Personal Auto policy, which of the following losses would be considered a collision loss? A. A car hits a tree. B. Thugs damage a car with a baseball bat. C. During a riot, the insured's car is damaged by a flying brick. D. None of the above

A. A car hits a tree.

In calculating the premium for a Workers Compensation policy, an experience modification factor over 1.0 will result in what? A. A premium increase B. A premium reduction C. No change in the premium D. Any of the above.

A. A premium increase

The Farm Property Coverage BASIC Cause of Loss form insures against all of the following perils EXCEPT A. Accidental shooting of covered livestock. B. Fire, Lightning and Explosion. C. Vandalism. D. Wind or hail.

A. Accidental shooting of covered livestock.

Which one of the following terms describes a contract where the insurer drafts the contract and the applicant must accept or reject it? A. Adhesion B. Aleatory C. Unilateral D. Utmost good faith

A. Adhesion

Which of the OPTIONAL coverages available under the Building and Business Personal Property coverage form says that the insurance company will agree to replace certain property without reduction for depreciation? A. Agreed value coverage B. Replacement cost coverage C. Inflation guard coverage D. Actual cash value coverage

A. Agreed value coverage

Which of the following provides temporary coverage for the insured between the time the application is made and the policy is issued? A. Binder B. Certificate of insurance C. Endorsement D. Insuring Agreement

A. Binder

Common elements, such as playground equipment, which condominium unit owners own jointly are covered by the: A. Condominium Association coverage form. B. Condominium Unit Owners coverage form. C. Both of the above D. None of the above

A. Condominium Association coverage form.

Which endorsement to a Commercial Auto Coverage form allows any leased auto specifically scheduled on the endorsement to be treated as an owned auto? A. Lessor - Additional Insured and Loss Payee B. Employee as Insured C. Individual Named Insured D. Auto Medical Payments

A. Lessor - Additional Insured and Loss Payee

To extend coverage under the Personal Auto policy for a motorcycle, the insured must purchase the A. Miscellaneous Type Vehicles endorsement. B. Named Non-Owner endorsement. C. Extended Nonowned Coverage endorsement. D. Uninsured Motorists endorsement.

A. Miscellaneous Type Vehicles endorsement.

In the Commercial General Liability policy, invasion of privacy is considered what type of injury? A. Personal injury B. Contractual injury C. Incidental injury D. Bodily injury

A. Personal injury

Which of the following is a correct statement regarding the Property Damage coverage available under the Equipment Breakdown Coverage policy? A. Property Damage coverage is only for direct damage to property within the business premises owned by the insured or in the care, custody or control of the insured. B. The standard minimum deductible is $5,000. C. Property Damage coverage includes indirect damage for property within the business premises owned by the insured. D. Property Damage coverage includes indirect damage for property within the business premises in the care, custody or control of the insured.

A. Property Damage coverage is only for direct damage to property within the business premises owned by the insured or in the care, custody or control of the insured.

The purpose of the Non-Owned Auto Liability endorsement to a Businessowners Policy is to cover which of the following: A. The employer's liability exposure when an employee is using his own personal vehicle on company business B. The employee is using his personal vehicle C. Only vehicles owned by the employer D. The employer's physical damage exposure to employee vehicles

A. The employer's liability exposure when an employee is using his own personal vehicle on company business

The maximum claim amount covered by the Alabama Insurance Guaranty Association is A. $100,000. B. $150,000. C. $300,000. D. $500,000.

B. $150,000

Which Homeowner's policy provides all risk or open peril coverage on the dwelling but broad form coverage on the personal property? A. HO-2 B. HO-3 C. HO-5 D. HO-8

B. HO-3

Which statement is FALSE about Medical Payment coverage under a Personal Auto Policy? A. Med Pay pays on a no-fault basis. B. Med Pay always pays for pain and suffering. C. Med Pay does not cover lost income. D. Med Pay is valid for one year in Commercial Lines policies and three years in Personal Lines policies.

B. Med Pay always pays for pain and suffering.

What type of insurance policy only insures against perils that are specifically listed in the policy? A. All-risk policy B. Named peril policy C. Open peril policy D. Special policy

B. Named peril policy

Hank, who is the named insured under a Personal Auto policy, borrows a neighbor's car and hits a parked car while driving the neighbor's auto. The neighbor is also insured under a Personal Auto policy. Whose policy would provide Liability coverage for this loss? A. Hank's Personal Auto policy is the only policy that would respond. B. The neighbor's Personal Auto policy would be primary; Hank's policy would apply on an excess basis. C. Neither Personal Auto policy would apply to the loss. D. The neighbor's Personal Auto policy is the only policy that would respond.

B. The neighbor's Personal Auto policy would be primary; Hank's policy would apply on an excess basis.

Which statements require the absolute literal truth? A. Representations B. Warranties C. Waivers D. Guarantees

B. Warranties

The Newly Acquired or Constructed Property coverage extension in a Commercial Property policy A. covers the newly purchased or constructed building for a limit of $100,000 and the business personal property (contents) for a limit of $100,000. B. covers the newly purchased or constructed building for a limit of $250,000 and the business personal property (contents) for a limit of $100,000. C. covers the newly purchased or constructed building for a limit of $250,000 and the business personal property (contents) for a limit of $250,000. D. covers the newly purchased or constructed building for a limit of $500,000 and the business personal property (contents) for a limit of $250,000.

B. covers the newly purchased or constructed building for a limit of $250,000 and the business personal property (contents) for a limit of $100,000.

Under the Dwelling policy, personal property away from the premises anywhere in the world A. has full coverage. B. is covered for up to 10% of the amount of coverage for personal property. C. is not covered. D. is covered only while at a secondary residence.

B. is covered for up to 10% of the amount of coverage for personal property.

A mutual insurance company A. has officers elected by its agents. B. is owned and controlled by its policyholders and managed by directors chosen by the policyholders. C. writes nonparticipating policies only. D. insures only risks in the state in which it is incorporated.

B. is owned and controlled by its policyholders and managed by directors chosen by the policyholders.

An insurer compares what it paid in claims against the amount received in premium to determine its A. expense ratio. B. loss ratio. C. underwriting profit. D. manual rates.

B. loss ratio

Coverage B under a standard Homeowner's policy contains coverage for A. the dwelling and all permanent attachments. B. other structures on the insured premises. C. personal property. D. loss of use.

B. other structures on the insured premises.

Insurance may be used to manage A. speculative risk. B. pure risk. C. either A or B D. neither A nor B

B. pure risk.

An individual otherwise qualified except for having taken and passed the examination can be issued a temporary insurance producer license, which is valid for a maximum period of A. three months. B. six months. C. nine months. D. one year.

B. six months.

Providing misleading comparisons of the terms and benefits of an insurance policy for the purpose of inducing the policyholder to change to another policy is known as A. rebating. B. twisting. C. embezzlement. D. coercion.

B. twisting.

A Commercial Package policy must contain at least _____ coverage part(parts). A. one B. two C. three D. seven

B. two

Which one of the following coverages is NOT included in the Commercial Crime insuring agreements but can be added by endorsement? A. Money & securities B. Employee dishonesty C. Extortion D. Forgery or alteration

C. Extortion

What is the standard policy limit for Coverage E (Personal Liability) under Section II of the Homeowner's policy? A. $25,000 per occurrence B. $50,000 per policy period C. $100,000 per occurrence D. $250,000 per policy period

C. $100,000 per occurrence

The minimum limits in Alabama for automobile liability are A. 20/40/20. B. 20/50/20. C. 25/50/25. D. 30/60/30.

C. 25/50/25.

In Alabama, the Commissioner of Insurance may hold a hearing upon written demand by an aggrieved person within ____ days after receipt of demand. A. 10 B. 20 C. 30 D. 60

C. 30

When does Flood insurance begin? A. 10 days after the application date B. 15 days after the application date C. 30 days after the application date D. 45 days after the application date

C. 30 days after the application date

Which statement regarding insurance producer license appointments is TRUE? A. An insurance producer license alone grants authority to the producer to market insurance for any licensed insurance company. B. A licensed insurance company can accept insurance applications and premium directly from any licensed insurance producer. C. A licensed insurance producer must be licensed and appointed by the insurer to act as the insurer's agent. D. A licensed insurance company accepting business directly from an insurance producer not appointed by the insurer is subject to a fine of ten times the amount of the premium received.

C. A licensed insurance producer must be licensed and appointed by the insurer to act as the insurer's agent.

Which of the following describes an insurance company authorized to do business in a state? A. Alien B. Foreign C. Admitted D. Nonadmitted

C. Admitted

When another insurance policy is considered primary for the same loss as the Commercial General Liability policy, the responsibility for covering the loss is typically shared between the insurers in one of two ways. What are the two "other insurance" provisions called? A. Contribution by Equal Shares or Contribution by Participation. B. Excess Contributions or Contribution by Aggregate Limits. C. Contribution by Equal Shares or Pro Rata. D. Fixed Contribution or Contribution by Retained Limits.

C. Contribution by Equal Shares or Pro Rata.

Which of the following statements about the Pollutant Clean-up and Removal provision of the Building and Business Personal Property coverage form is correct? A. It provides coverage to extract pollutants from water, but not land. B. It is subject only to the policy limit. C. It covers the cost to extract pollutants from water or land up to $10,000 in addition to the policy limit. D. It is subject to a $25,000 aggregate limit in addition to the policy limit.

C. It covers the cost to extract pollutants from water or land up to $10,000 in addition to the policy limit.

What happens under a Businessowners policy if the amount of insurance purchased falls below 80% of the replacement cost value of the property insured? A. A coinsurance penalty will only apply to loss settlement for the business personal property. B. A coinsurance penalty will only apply to loss settlement for the building. C. Loss settlement is made on the basis of Actual Cash Value. D. Loss settlement is made on the basis of Replacement Cost.

C. Loss settlement is made on the basis of Actual Cash Value.

Under the Commercial General Liability policy, which of the following coverages is available whether or not there is a legal obligation for the insured to pay? A. Personal and advertising injury coverage B. Bodily injury coverage C. Medical payments coverage D. None of the above

C. Medical payments coverage

Which of the businesses below would NOT be eligible for a Business Auto coverage form? A. Academy of Dance Design B. Spokes and Folks Bicycle Shop C. Niemier's Parking Garage D. Pick and Run Grocery Store

C. Niemier's Parking Garage

Under a Commercial Property, which of the following perils is NOT included in the Causes of Loss -- Basic form? A. Explosion. B. Riot. C. Plumbing. D. Smoke.

C. Plumbing.

In a Fidelity Bond, the employee is known as the A. Guarantor. B. Obligee. C. Principal. D. Surety.

C. Principal.

If you have not met the Continuing Education requirement when it is time to renew your license, you may? A. Falsify on your renewal submission that you have completed the requirements and do so within 30 days. B. Falsify on your renewal submission that you have completed the requirements and do so within 60 days. C. Request an extension and continue to do business until your request is accepted or denied. D. Use any carryover hours left from the last license renewal.

C. Request an extension and continue to do business until your request is accepted or denied.

Under the Personal Auto policy, Uninsured Motorists coverage provides coverage for bodily injury for which the insured is legally entitled to recover that results from an accident with A. an uninsured driver. B. a hit and run driver. C. a driver whose insurance company is insolvent. D. All of the above

D. All of the above

Which of the following are excluded property losses under all Homeowner's forms? A. Loss due to earth movement B. Loss due to the insured's neglect to preserve property following a loss C. Loss due to flood D. All of the above

D. All of the above

Which of the following statements about surplus line brokers is CORRECT? A. An Alabama resident must be licensed as a property and casualty insurance producer to hold a surplus line broker license. B. An Alabama resident must post a bond of at least $50,000 to be licensed as a surplus line broker. C. To be licensed in Alabama as a non-resident surplus line broker the applicant must be licensed as a surplus line broker in their home state. D. All of the above statements are correct.

D. All of the above statements are correct.

Which Homeowner's coverage provides indirect loss coverage? A. Coverage A (Dwelling) B. Coverage B (Other Structures) C. Coverage C (Personal Property) D. Coverage D (Loss of Use)

D. Coverage D (Loss of Use)

Which endorsement to a Commercial Auto Coverage form protects employees while using their own vehicles on company business? A. Lessor - Additional Insured and Loss Payee B. Personal Injury Protection C. Individual Named Insured D. Employee as Insured

D. Employee as Insured

Which of the following is INCORRECT concerning premiums collected by an insurance producer in Alabama? A. Premiums are considered to be trust funds received by the producer in a fiduciary capacity. B. The producer must account for and pay those funds to those entitled to them. C. A producer who unlawfully diverts or appropriates funds for his or her own use is guilty of theft of property. D. Premium payments become the property of the producer.

D. Premium payments become the property of the producer.

Which of the following businesses could be eligible for a Businessowners policy? A. Fenley's Trucking B. Nuts & Bolts Auto Repair C. Don's Construction Company D. Sweet Dreams Apartments

D. Sweet Dreams Apartments

In what department of an insurance company are decisions made to accept or reject applications? A. Policy issue B. Claims C. Legal D. Underwriting

D. Underwriting

Which of the following perils are NOT covered by the Equipment Breakdown Coverage policy? A. Malfunction of pressure or vacuum equipment B. Mechanical malfunction, including rupture or bursting C. Electrical malfunction, including arcing D. Valve or fitting leakage

D. Valve or fitting leakage

A financial loss suffered because of legal responsibility for the physical injury to, or the death of, another person is A. covered by physical damage Liability insurance. B. covered by personal injury Liability insurance. C. indemnification insurance. D. covered by bodily injury Liability insurance.

D. covered by bodily injury Liability insurance.

The Valuable Papers and Records Inland Marine coverage form reimburses the insured for replacing all of the following EXCEPT A. damaged films, maps and drawings. B. damaged manuscripts, deeds and books. C. damaged records in the care, custody or control of the insured. D. damaged securities and paper money

D. damaged securities and paper money

An insured who needs coverage for her home and its contents against loss caused by earthquake can obtain it with A. a Commercial Property coverage form. B. an unendorsed Dwelling policy. C. an unendorsed Homeowner's policy. D. either a separate Earthquake policy or a Dwelling or Homeowner's policy with an Earthquake endorsement attached.

D. either a separate Earthquake policy or a Dwelling or Homeowner's policy with an Earthquake endorsement attached.

Which one of the following is used to modify the coverage provided under an insurance policy? A. application B. binder C. certificate of Insurance D. endorsement

D. endorsement

Under the Personal Auto policy, Liability coverage EXCLUDES A. breakage of glass to the insured's vehicle. B. damage or injury done intentionally by the insured. C. property damage caused by the insured to another person's auto. D. expenses for emergency treatment.

D. expenses for emergency treatment.

Coverage D under a standard Homeowner's policy contains coverage for A. the dwelling and all permanent attachments. B. other structures on the insured premises. C. personal property. D. loss of use.

D. loss of use.

Legal duty owed, breach of legal duty owed, proximate cause, and damages are all elements required to establish a charge of A. adhesion. B. liberalization. C. negligence. D. subrogation.

c. negligence