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California Property and Casualty Insurance Practice Test

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Question: 746
Which of the following is a characteristic of a "claims-made" liability policy?
overage is triggered by the time the injury or damage occurred overage is triggered by the time the claim is made
overage is provided on an occurrence basis overage is not subject to a retroactive date
wer: B
anation: In a claims-made liability policy, coverage is triggered by the laim is made, rather than when the injury or damage occurred.
stion: 747
siness owner has a Commercial Property policy with a $500,000 limit ding coverage and a $200,000 limit for Business Personal Property rage. A fire causes $450,000 in damage to the building and $180,000 age to the business personal property. What is the total amount the ance company will pay for this claim?
C
C
C
C
Ans
Expl time
the c
Que
A bu for
Buil
cove in
dam insur
A. $630,000 B. $650,000 C. $680,000 D. $700,000
Answer: B
Explanation: The insurance company will pay $450,000 for the building damage (up to the $500,000 limit) and $180,000 for the business personal property damage (up to the $200,000 limit), for a total of $650,000.
Question: 748
is the purpose of the "California Commercial Insurance Modernizati
deregulate the commercial insurance market in California and remo nd form filing requirements.
establish minimum coverage requirements for all commercial insura ies sold in the state.
allow for the use of innovative rating factors and underwriting practi commercial insurance market.
create a state-run commercial insurance program to provide coverag nesses in California.
wer: C
anation: The California Commercial Insurance Modernization Act all he use of innovative rating factors and underwriting practices in the mercial insurance market within the state.
What on
Act"?
1. To ve
rate a
2. To nce
polic
3. To ces
in the
4. To e for
busi Ans
Expl ows
for t com
Question: 749
In a commercial auto policy, what is the purpose of the Physical Damage to Towed Property coverage?
1. To provide coverage for physical damage to vehicles that the policyholder has hired or leased
2. To provide coverage for physical damage to property that the policyholder is towing with their covered auto
3. To provide coverage for liability arising from the policyholder's use of their own vehicles
wer: B
anation: The Physical Damage to Towed Property coverage in a mercial auto policy provides coverage for physical damage to property olicyholder is towing with their covered auto.
stion: 750
ch of the following is a primary purpose of the California Department ance?
regulate and oversee the insurance industry in California. provide insurance coverage to California residents. investigate and prosecute insurance fraud.
ll of the above.
To provide coverage for liability arising from the policyholder's employment-related practices
Ans Expl
com that
the p
Que
Whi of
Insur
1. To
2. To
3. To
4. A
Answer: A
Explanation: The primary purpose of the California Department of Insurance is to regulate and oversee the insurance industry in the state, including licensing insurance companies, agents, and brokers, and ensuring compliance with insurance laws and regulations. The other options (providing insurance
coverage and investigating fraud) are not the primary purposes of the Department of Insurance.
Question: 751
gation Program?
provide affordable earthquake insurance coverage for high-risk erties
investigate insurance fraud related to earthquake insurance claims assist policyholders whose earthquake insurance company has beco
vent
promote earthquake preparedness and risk reduction measures for eowners
wer: D
anation: The purpose of the California Earthquake Authority (CEA) dential Mitigation Program is to promote earthquake preparedness and ction measures for homeowners. The program provides information, urces, and incentives to encourage homeowners to take steps to strengt homes and reduce the potential for earthquake damage, which can hel
the cost of earthquake insurance premiums.
What is the purpose of the California Earthquake Authority (CEA) Residential Miti
1. To
prop
2. To
3. To me
insol
4. To
hom Ans
Expl
Resi risk
redu
reso hen
their p
lower
Question: 752
Which of the following is not a required disclosure in a California personal automobile insurance policy?
1. The deductible amounts for each coverage
2. The limits of liability for each coverage
3. The premium charged for each coverage
anation: California law requires personal auto policies to disclose the ctible amounts, limits of liability, and premiums for each coverage, bu not mandate the inclusion of the insurer's complaint handling procedu
stion: 753
is the purpose of the California Insurance guarantee Association (CI mercial Insurance Assistance Program?
provide financial assistance to businesses affected by natural disaste investigate insurance fraud related to commercial insurance claims assist policyholders whose commercial insurance company has beco
vent
regulate the activities of insurance agents and brokers who sell mercial insurance
The insurer's complaint handling procedures Answer: D
Expl
dedu t
does res.
Que
What GA)
Com
1. To rs
2. To
3. To me
insol
4. To
com Answer: C
Explanation: The purpose of the California Insurance guarantee Association (CIGA) Commercial Insurance Assistance Program is to assist policyholders whose commercial insurance company has become insolvent. This program helps these policyholders by paying out claims and providing other assistance to ensure they continue to have coverage and are able to recover from the
insolvency of their insurance provider.
Question: 754
iscrimination based on age iscrimination based on gender iscrimination based on disability ll of the above
wer: D
anation: The Unruh Civil Rights Act in California prohibits discrimin underwriting and rating of personal insurance policies based on fact as age, gender, and disability.
stion: 755
ch of the following is not one of the basic requirements for an insuran act to be valid?
Under the California Unruh Civil Rights Act, which of the following is prohibited in the underwriting or rating of personal insurance policies?
1. D
2. D
3. D
4. A
Ans
Expl ation
in the ors
such
Que
Whi ce
contr
1. Consideration
2. Insurable interest
3. Utmost good faith
4. Contractual capacity Answer: D
Explanation: Contractual capacity is not one of the basic requirements for an insurance contract to be valid. The other three - consideration, insurable interest, and utmost good faith - are essential elements of a valid insurance contract.
stion: 756
is the purpose of the "insurable interest" requirement in insurance? ensure the policyholder will benefit financially from the policy.
prevent individuals from purchasing insurance policies on the lives o s.
protect the insurance company from moral hazard and adverse select ll of the above.
wer: D
anation: The insurable interest requirement serves to ensure the yholder will benefit financially from the policy, prevent individuals fr hasing "wagering" policies on the lives of others, and protect the insur moral hazard and adverse selection.
Que
What
1. To
2. To f
other
3. To ion.
4. A
Ans Expl
polic om
purc er
from
Question: 757
An insured's Commercial Auto policy has a $1 million liability limit per accident. The insured is involved in an accident where the other party sustains
$1.8 million in damages. The insured also has a $2 million Umbrella policy. What is the maximum amount the insurance company will pay for this claim?
1. $1 million
2. $1.8 million
3. $2 million
4. $3.8 million
Answer: D
illion.
stion: 758
ch of the following best describes the California Fair Access to Insura uirements (FAIR) Plan?
state-sponsored program that provides coverage for high-risk propert requirement that all insurers must offer earthquake insurance to Calif eowners
egulations that ensure fair and equal access to insurance for all Califor ents
state-run insurance company that competes with private insurers in th eowners market
wer: A
Explanation: The Commercial Auto policy will pay the $1 million liability limit, and the Umbrella policy will pay the remaining $2.8 million, for a total of
$3.8 m
Que
Whi nce
Req
1. A ies
2. A ornia
hom
3. R nia
resid
4. A e
hom Ans
Explanation: The California FAIR Plan is a state-sponsored insurance program that provides basic property insurance coverage for high-risk properties that have difficulty obtaining coverage in the voluntary insurance market.
Question: 759
What is the primary purpose of the "Employment Practices Liability" coverage in a Commercial General Liability policy?
1. To cover the liability for work-related injuries or illnesses suffered by employees
cover the liability for errors or omissions in the performance of essional services
cover the liability for injuries or damage caused by the business's ucts or services
wer: B
anation: The "Employment Practices Liability" coverage in a Commer eral Liability policy is designed to cover the liability for discriminatio gful employment practices, such as wrongful termination, harassment re to promote.
stion: 760
is the purpose of the "notice of occurrence" condition in a liability ance policy?
To cover the liability for discrimination or wrongful employment practices
2. To
prof
3. To
prod Ans
Expl cial
Gen n or
wron , or
failu
Que
What insur
1. Require the insured to report claims to the insurance company in a timely manner
2. Allow the insurance company to investigate claims while evidence is still available
3. Prevent the insured from making unauthorized admissions of liability
4. Both A and B
Answer: D
Explanation: The notice of occurrence condition requires the insured to promptly report claims or occurrences to the insurance company, which allows the company to investigate the claim while evidence is still available.
stion: 761
ch of the following is a typical feature of a "claims-made" form liabili ance policy?
rovides coverage for claims made during the policy period, regardless the event occurred
ypically provides broader coverage than an "occurrence" form policy equires the insured to maintain continuous coverage to ensure protecti nst future claims
ffers protection against claims that are unknown at the time the policy hased
wer: C
anation: A key feature of a "claims-made" form liability insurance pol at it requires the insured to maintain continuous coverage to ensure ction against future claims, as the policy only covers claims made dur olicy period.
Que
Whi ty
insur
1. P of
when
2. T
3. R on
agai
4. O is
purc
Ans
Expl icy
is th
prote ing
the p
Question: 762
An insured's business experiences a windstorm loss of $200,000. The business is insured under a commercial property policy with a $1,000 deductible and an
80% coinsurance clause. The building has a replacement cost value of
$1,000,000, and the insured has coverage limits of $800,000. What is the amount the insurance company will pay for this loss?
wer: A
anation: The coinsurance clause requires the insured to maintain insur to at least 80% of the replacement cost value of the building. Since t ing is insured for $800,000, which is equal to 80% of the replacement 1,000,000, the coinsurance penalty does not apply. The amount the ance company will pay is the full $200,000 loss, minus the $1,000 ctible, which is $199,000.
A. $160,000 B. $180,000 C. $190,000 D. $199,000
Ans
Expl ance
equal he
build cost
of $ insur dedu

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