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Property and Casualty Insurance Exam- Louisiana BEST STUDYING MATERIAL WITH VERIFIED ANSWERS LATEST VERSION UPDATE WITH 250+ QUESTIONS$25.99
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Property and Casualty Exam- Louisiana
BEST STUDYING MATERIAL WITH VERIFIED
ANSWERS LATEST VERSION UPDATE 2024-
2025 WITH 250+ QUESTIONS
Funding for the operation and administration of the Louisiana Insurance Guaranty
Association comes from
- ANSWER Annual assessments paid by member insurers.
Uninsured Motorist property damage coverage is subject to a deductible of
- ANSWER $250.
Rates that are established based on the similarities of the risk with other risks are
known as
- ANSWER Manual rates.
The personal injury liability endorsement to an HO policy applies to all the
following EXCEPT
- ANSWER A third party breaks a leg when the insured knocks him down.
The process an insurer uses to evaluate applications and determine if a policy
should be issued and on what terms, conditions, and rates is known as
- ANSWER Underwriting.
,Terrorism Risk Insurance Program Reauthorization Act of 2015 has extended the
TRIA to the year
- ANSWER 2020
According to the Fair Credit Reporting Act, all of the following would be
considered negative information about a consumer EXCEPT
- ANSWER Disputes regarding consumer report information
Replacement cost coverage is provided in both the broad and special form
dwelling policies when
- ANSWER At least 80% of the replacement cost
The business income coverage form covers consequential loss of business income
that occurs when a business must suspend operations because of a direct loss.
Which of the following terms best describes the nature of this type of coverage?
- ANSWER Time element
Under which type of coverage does the insurer agree to pay for bodily injury or
property damage liability which the insured has agreed to assume under a written
contractual agreement?
- ANSWER Contractural liability policy
Which commercial crime form would provide coverage for a loss that did not
necessarily happen during the policy period but was revealed during the policy
period?
- ANSWER Discovery form
,Under the Fair Credit Reporting Act, if the consumer challenges the accuracy of
the information contained in his or her report, the reporting agency must
- ANSWER Respond to the consumer's complaint.
Workers compensation benefits are provided for an employee injury or death that
arises out of the course of normal employment in all of the following situations
EXCEPT
- ANSWER On his evening stroll, an employee of an advertising company is injured
while watching a competitor's billboard sign being removed from an advertising
site.
An insured pays a $100 premium every month for his insurance coverage, yet the
insurer promises to pay $10,000 for a covered loss. What characteristic of an
insurance contract does this describe?
- ANSWER Aleatory
An uninsured motor vehicle includes all of the following EXCEPT
- ANSWER The vehicle has no liability bond or insurance in force.
Which of the following are the authorities that an agent can hold?
- ANSWER Express and implied
All of the following are supplemental payments found in liability policies EXCEPT
- ANSWER Costs the insured incurred in hiring an attorney.
, In a dwelling policy, which of the following provides coverage for additional living
expenses incurred by an owner-occupant in the event a covered peril makes the
premises uninhabitable due to a covered loss?
- ANSWER Coverage E
A producer who fails to segregate premium monies from his own personal funds is
guilty of
- ANSWER Commingling
What is the name for the type of property damage coverage that protects the
insured or the covered auto in an accident with someone who does not have
coverage?
- ANSWER Uninsured motorist
If a farm building or structure is vacant or unoccupied, which is true?
- ANSWER If for 120 consecutive days, the limits applicable to the building and its
contents are reduced by 50%.
Workers compensation laws provide all of the following types of benefits EXCEPT
- ANSWER Compensatory benefits.
Should 2 or more insurers issue a combined Standard Fire Policy insuring a single
risk, in the event of a loss, the insured must notify
- ANSWER Any of the insurers providing coverage.
The policy conditions define
- ANSWER How parties to the contract must act following a loss.
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