Examen
AUTO INSURANCE PRACTICE TEST QUESTIONS AND ANSWERS 100% PASS
Institución
AUTO INSURANCE
AUTO INSURANCE PRACTICE TEST QUESTIONS
AND ANSWERS 100% PASS
What type of coverage is provided by an inland marine policy? - Open or all risk coverage - Inland
marine policies have only a few limited exclusions.
Any person who transacts insurance without a valid license is: - Guilty of a misdem...
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19 artículos
1. Examen - Auto insurance practice test questions and answers 100% pass
2. Examen - Personal auto insurance policy exam questions and answers 100% pass
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10. Examen - Auto insurance coverages exam questions and answers 100% pass
11. Examen - Auto insurance (practice) exam questions and answers 100% pass
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13. Examen - Types of auto insurance exam questions and answers 100% pass
14. Examen - Auto insurance faq exam questions and answers 100% pass
15. Examen - Automobile insurance vocabulary exam questions and answers 100% pass
16. Examen - Auto insurance vocabulary exam questions and answers 100% pass
17. Examen - Auto insurance terms questions and answers 100% pass
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19. Examen - Auto insurance exam questions and answers 100% pass
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1|Page
AUTO INSURANCE PRACTICE TEST QUESTIONS
AND ANSWERS 100% PASS
What type of coverage is provided by an inland marine policy? - ✔✔Open or all risk coverage - Inland
marine policies have only a few limited exclusions.
Any person who transacts insurance without a valid license is: - ✔✔Guilty of a misdemeanor, Subject to a
fine not exceeding $50,000 and/or improsonment, Subject to imprisonment in county jail for a period not
exceeding one year.
For homes subject to the state & defensible space req, the total amount of defensible space req around the
home is - ✔✔100 ft
Notifying the police is a req under which of the following circumstances, as it applies to a personal auto
policy? - ✔✔For hit and run accidents and thefts.
Under a yacht policy, protection and indemnity provides coverage for: - ✔✔Liability if the insured vessel
strikes a marina and injures a dock worker.
Which of the following is a principal rating factor for a personal automonile policy? - ✔✔The number of
miles the drives each year. This is the second principal rating factor that must be used according to the
Code.
The cost to rebuild or replace a home increases for all of the following reasons after a catastrophe such as
tornadoes or wildfire, except: - ✔✔Insurance policy issues - Insurance does not increase the cost to
rebuild after a catastrophe; it just might not be enough to cover all of the increased costs.
Withholding, rather than misstating, a material fact on an insurance application is an act of which of the
following? - ✔✔Concealment
Created by Katelyn Whitman © 2025, All Rights Reserved.
,2|Page
How you would compute the combined ratio is to: - ✔✔Add the loss and expense ratios
Absolute liability is imposed on a risk: - ✔✔When there is negligence whether proven or not
The measure of loss potential which is used for pricing of insurance is known as: - ✔✔An exposure unit
Which part of the policy is said to personalize it? - ✔✔Declarations
According to California Insurance Law, who is legally allowed to cancel an insurance policy? - ✔✔Either
the insured or insurer
When a premium is based solely on an underwriter evaluation of an individual applicants loss potential
this is known as: - ✔✔judgement rating.
What is is about a liability policy that causes the need for inland marine coverage? - ✔✔The exclusion for
care, custody, and control
Which of the following coverages must be offered to all insureds that purchase residential property
insurance policies in CA? - ✔✔Earthquake coverage
The Ca FAIR plan makes it possible for people that are unable to obtain insurance in the voluntary
market to qualify for coverage through this program. Which type of insurance is obtained through the
Fair Plan? - ✔✔Real and personal property at a fixed location in areas designated
In order for a rate to remain in effect it must be: - ✔✔Reasonable, not excessive: Adequate, not
inadeqaute: Equitable, not unfairly discriminatory
Which of the following events may be covered by insurance? - ✔✔Owning a home - This is a pure risk
and only pure risk can be insured
A type of auto insurance that car owners can buy to protect themselves againts lossess that can arise
when the amont of compensation received from a total loss does not fully cover the amount the insured
owes on the vehicle financing or lease agreement would be: - ✔✔Gap insurance
Created by Katelyn Whitman © 2025, All Rights Reserved.
, 3|Page
An all risk or open peril policy: - ✔✔Protects against any peril except those specifically excluded
An insured duties after a loss are described in the homeowners Section 1 conditions, The incorrect
statement concerning the insured duties would be? the insured must - ✔✔Submit to questions under oath
while not in the presenc of any other insured. (This question has two possible incorrect answers so you
have to determine which is most incorrect. The insured must protect property always, but must submit to
examination under oath only if the insurer requests it.)
The physical dmg insuring agreement of a personla auto policy would cover which of the following? -
✔✔Loss of a CD player installed in the vehicle dashboard.
Which of the following would not be a proper way to evaluate a potential client insurance needs? -
✔✔Obtain a copy of the current insurance policy and coverages.
All property owners in the State of Ca wishing to purchased flood insurance may: - ✔✔Not all property
owners may purchased a floos.
All of the following are covered property under HO policy except - ✔✔Hovercraft
All of the following are considered intentional torts except; - ✔✔Ownership of a wild animal
A written provision that modifies the provisions of the original contract is known as - ✔✔an endorsement
Boatowners liability policies typically exclude: - ✔✔Contractual liability
If the insurer cancels a 1 year(annual) policy effective 3 months after the policy's inception date: - ✔✔The
insured receives a refund in the amount of 75% of the annual premium.
Under a standard (ISO) Homeonwers HO 3 real property and personal property are covered for the perils
of: - ✔✔All risk - coverage applies to real property, broad form named perils coverage applies to personal
property(Odd numbers HO 3 and HO 5 cover structures(real property) open peril which is also known as
Created by Katelyn Whitman © 2025, All Rights Reserved.