PERSONAL LINES INSURANCE PRACTICE EXAM
QUESTONS WITH ANSWERS
Bobby, age 16, borrows his parents' car without their permission and gets into an accident.
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Which of the following statements about coverage under the parents' personal auto policy i
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s CORRECT?
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A) Bobby is covered by his parents' policy because he is included in the definition of named
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insured. cv
B) Bobby is not covered for this accident because he used the car without permission.
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C) Bobby is not covered because it was not his car.
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D) Bobby is covered by his parents' policy because he is a family member. - ans-
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D) Bobby is covered by his parents' policy because he is a family member.
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Explanation: Bobby is a family member and thus automatically is covered under the family'
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s PAP policy. Even though Bobby is using the car without permission, the exclusion pertaini
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ng to nonpermissive users does not apply to use of an owned auto policy by resident family
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members.
Reference: 8.7.2 in License Exam Manual cv cv cv cv cv
A parking valet at a hotel uses a guest's car to do a personal errand and damages the car in
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a collision. The guest has a personal auto policy (PAP). The insurance company will pay th
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e claim and ____.
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A) relieve the parking valet of legal liability for the loss
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B) subrogate against the named insured
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C) subrogate against the parking valet
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D) recover any additional loss from the lienholder - ans-
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C) subrogate against the parking valet
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Explanation: Part- cv
D coverage for Damage to Your Auto of the PAP contains a no benefit to bailee provision. T
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his provision states that a carrier or other bailee for hire, such as a parking gar5age, service
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station, or moving company will not directly or indirectly benefit from the PAP's insurance. A
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bailee is an individual or entity that assumes possession of goods owned by another for the
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purpose of transporting, servicing, or storing them. When temporary custody is assumed, t
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he bailee becomes legally liable for the goods.
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Reference: 8.7.2 in the License Exam Manual cv cv cv cv cv cv
Who of the following are required to be members of the Arizona Property and Casualty Insu
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rance Guaranty Fund? cv cv
,A) All insurers that write the types of insurance that are protected by the fund in Arizona
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B) Foreign property and casualty insurers only
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C) lien property and casualty insurers only
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D) All insurers that write insurance in Arizona, including life and health insurers - ans-
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A) All insurers that write the types of insurance that are protected by the fund in Arizona
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Explanation: All insurers that write types of insurance that are protected by the fund are req
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uired to be member insurers of the fund. Reference: State Supplement in the License Exam
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Manual.
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Reference: 4.4.16.3 in the License Exam Manual cv cv cv cv cv cv
Which one of the following dwellings would a HO-3 Homeowners Form cover?
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A) Condominium
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B) Office building
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C) Single-family home
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D) Apartment building - ans-C) Single-family home
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Explanation: HO-3 Homeowners Form covers owner- cv cv cv cv cv
occupied single family dwellings. Condominiums are covered by the HO-
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6. Office and apartment buildings would be covered by a commercial policy.
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Reference: 7.4.1 in the License Exam Manual cv cv cv cv cv cv
Which on of the following would be classified as a general damage?
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A) Pain and suffering
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B) Lost wages
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C) Medical bills
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D) Damaged property - ans-A) Pain and suffering
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Explanation: Compensatory damages compensate an injured party for injuries sustained-
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nothing more. Their purpose is to make a person whole again in the position that existed be
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fore the loss or harm. Compensatory damages are further categorized by: general damage
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s (which necessarily result from the act or omission, such as emotional distress, inconvenie
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nce, and pain and suffering) and special damages (losses measured in exact sums of mon
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ey including medical bills, travel expenses for medical care, prescription costs damaged pr
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operty, and lost wages). cv cv cv
Reference: 5.3.6 in the License Exam Manual cv cv cv cv cv cv
Which of the following statements about flood insurance is NOT correct?
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A) There are two types of flood insurance programs available: emergency and regular
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,B) A flood includes an overflow of inland or tidal waters
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C) Sewer backup into a dwelling is not considered flood and is not covered
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D) Personal property in a basement or outside in the yard is covered - ans-
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D) Personal property in a basement or outside in the yard is covered
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Explanation: Personal property in a basement or outside in the yard is NOT covered under f
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lood insurance. cv
Reference: 9.4 in the License Exam Manual cv cv cv cv cv cv
Which of the following coverages is NOT included in a boatowners/
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watercraft package policy? cv cv
A) Medical payments
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B) Liability
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C) Longshore and harbor workers' compensation insurance
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D) Property - ans-C) Longshore and harbor workers' compensation insurance
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Explanation: Boatowners/ cv
watercraft package policies were developed by individual insurance companies and they c
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ombine property, liability, and medical payments insurance on an open peril basis. Longsh
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ore and harbor workers' compensation insurance is found in personal yacht policies, which
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are used to insure larger vessels than those covered under boatowners policies.
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Reference: 9.8.1 in the License Exam Manual cv cv cv cv cv cv
An insured owns a pet lion that is caged on the homeowner's property. The owner takes gre
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at care to warn neighbors of the possible danger by posting signs, fencing the yard, and loc
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king the cage at all times. When a neighbor's child manages to open the cage and is bitten,
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what type of liability would apply to the lion owner?
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A) Absolute liability
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B) Contractual liability
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C) Premises liability
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D) Vicarious liability - ans-A) Absolute liability
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Explanation: The law imposes strict or absolute liability for specific situations or activities th
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at pose threats to the safety of others. People who own dangerous animals are held to a hig
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her standard of care. Absolute liability applies when a person is liable for a dangerous condi
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tion, regardless of the amount of care taken.
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Reference: 5.3.4 in the License Exam Manual cv cv cv cv cv cv
Which of the following terms is used to describe an empty building that is not being used?
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A) Vacated
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, B) Absent cv
C) Unoccupied
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D) Vacant - ans-D) Vacant
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Explanation: A building that is not currently in use and does not have enough furnishings to f
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unction in its normal capacity is considered vacant. A building is unoccupied if no one is curr
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ently in it, but furnishings are present and the occupants intended to return, as is the case w
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hen the residents are out of town on vacation.
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Reference: 4.4.15 in the License Exam Manual cv cv cv cv cv cv
Which of the following statements about umbrella policies is NOT correct?
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A) They provide coverage above the limits of underlying policies.
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B) They are written only for commercial risks.
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C) Losses that are excluded by the underlying policy but covered by the umbrella are subje
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ct to the umbrella's retention limit.
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D) If the insured fails to keep the underlying coverage in force, the umbrella policy will not co
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ver the amount of loss that would have been paid by the underlying policy. - ans-
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B) They are written only for commercial risks.
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Explanation: Umbrella liability policies may be written for both personal and commercial ris cv cv cv cv cv cv cv cv cv cv cv cv
ks.
Reference: 9.9.1 in the License Exam Manual cv cv cv cv cv cv
The agent has many responsibilities to the applicant. One involves a trust relationship betw
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een the agent and the insured regarding the insured's finances and confidentiality. In this c
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ase, the agent acts in what capacity?
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A) Fiduciary
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B) Consultant
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C) Attorney-in-fact
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D) Special agent - ans-A) Fiduciary
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Explanation: Agents have the duty to act in a fiduciary capacity that requires a high degree cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
of trust and confidence. This duty deals with the agent's dealings with both the insured and t
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
he insurer. The agent is expected to be trustworthy, act in good faith, and preserve confiden
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tial information.
cv cv
Reference: 1.9.2 in the License Exam Manual cv cv cv cv cv cv
Thomas had a forklift injury at work that caused his death. How much money will his survivin
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g spouse receive for burial expenses?
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A) Up to $10,000
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QUESTONS WITH ANSWERS
Bobby, age 16, borrows his parents' car without their permission and gets into an accident.
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
Which of the following statements about coverage under the parents' personal auto policy i
cv cv cv cv cv cv cv cv cv cv cv cv cv
s CORRECT?
cv
A) Bobby is covered by his parents' policy because he is included in the definition of named
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
insured. cv
B) Bobby is not covered for this accident because he used the car without permission.
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
C) Bobby is not covered because it was not his car.
cv cv cv cv cv cv cv cv cv cv cv
D) Bobby is covered by his parents' policy because he is a family member. - ans-
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cvcv
D) Bobby is covered by his parents' policy because he is a family member.
cv cv cv cv cv cv cv cv cv cv cv cv cv
Explanation: Bobby is a family member and thus automatically is covered under the family'
cv cv cv cv cv cv cv cv cv cv cv cv cv
s PAP policy. Even though Bobby is using the car without permission, the exclusion pertaini
cv cv cv cv cv cv cv cv cv cv cv cv cv cv
ng to nonpermissive users does not apply to use of an owned auto policy by resident family
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
members.
Reference: 8.7.2 in License Exam Manual cv cv cv cv cv
A parking valet at a hotel uses a guest's car to do a personal errand and damages the car in
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
a collision. The guest has a personal auto policy (PAP). The insurance company will pay th
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
e claim and ____.
cv cv cv
A) relieve the parking valet of legal liability for the loss
cv cv cv cv cv cv cv cv cv cv
B) subrogate against the named insured
cv cv cv cv cv
C) subrogate against the parking valet
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D) recover any additional loss from the lienholder - ans-
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C) subrogate against the parking valet
cv cv cv cv cv
Explanation: Part- cv
D coverage for Damage to Your Auto of the PAP contains a no benefit to bailee provision. T
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
his provision states that a carrier or other bailee for hire, such as a parking gar5age, service
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
station, or moving company will not directly or indirectly benefit from the PAP's insurance. A
cv cv cv cv cv cv cv cv cv cv cv cv cv cv c
bailee is an individual or entity that assumes possession of goods owned by another for the
v cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
purpose of transporting, servicing, or storing them. When temporary custody is assumed, t
cv cv cv cv cv cv cv cv cv cv cv cv
he bailee becomes legally liable for the goods.
cv cv cv cv cv cv cv
Reference: 8.7.2 in the License Exam Manual cv cv cv cv cv cv
Who of the following are required to be members of the Arizona Property and Casualty Insu
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
rance Guaranty Fund? cv cv
,A) All insurers that write the types of insurance that are protected by the fund in Arizona
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
B) Foreign property and casualty insurers only
cv cv cv cv cv cv
C) lien property and casualty insurers only
cv cv cv cv cv cv
D) All insurers that write insurance in Arizona, including life and health insurers - ans-
cv cv cv cv cv cv cv cv cv cv cv cv cv cvcv
A) All insurers that write the types of insurance that are protected by the fund in Arizona
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
Explanation: All insurers that write types of insurance that are protected by the fund are req
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
uired to be member insurers of the fund. Reference: State Supplement in the License Exam
cv cv cv cv cv cv cv cv cv cv cv cv cv cv
Manual.
cv
Reference: 4.4.16.3 in the License Exam Manual cv cv cv cv cv cv
Which one of the following dwellings would a HO-3 Homeowners Form cover?
cv cv cv cv cv cv cv cv cv cv cv
A) Condominium
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B) Office building
cv cv
C) Single-family home
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D) Apartment building - ans-C) Single-family home
cv cv cv cvcv cv cv
Explanation: HO-3 Homeowners Form covers owner- cv cv cv cv cv
occupied single family dwellings. Condominiums are covered by the HO-
cv cv cv cv cv cv cv cv cv
6. Office and apartment buildings would be covered by a commercial policy.
cv cv cv cv cv cv cv cv cv cv cv
Reference: 7.4.1 in the License Exam Manual cv cv cv cv cv cv
Which on of the following would be classified as a general damage?
cv cv cv cv cv cv cv cv cv cv cv
A) Pain and suffering
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B) Lost wages
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C) Medical bills
cv cv
D) Damaged property - ans-A) Pain and suffering
cv cv cv cvcv cv cv cv
Explanation: Compensatory damages compensate an injured party for injuries sustained-
cv cv cv cv cv cv cv cv cv
nothing more. Their purpose is to make a person whole again in the position that existed be
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
fore the loss or harm. Compensatory damages are further categorized by: general damage
cv cv cv cv cv cv cv cv cv cv cv cv
s (which necessarily result from the act or omission, such as emotional distress, inconvenie
cv cv cv cv cv cv cv cv cv cv cv cv cv
nce, and pain and suffering) and special damages (losses measured in exact sums of mon
cv cv cv cv cv cv cv cv cv cv cv cv cv cv
ey including medical bills, travel expenses for medical care, prescription costs damaged pr
cv cv cv cv cv cv cv cv cv cv cv cv
operty, and lost wages). cv cv cv
Reference: 5.3.6 in the License Exam Manual cv cv cv cv cv cv
Which of the following statements about flood insurance is NOT correct?
cv cv cv cv cv cv cv cv cv cv
A) There are two types of flood insurance programs available: emergency and regular
cv cv cv cv cv cv cv cv cv cv cv cv
,B) A flood includes an overflow of inland or tidal waters
cv cv cv cv cv cv cv cv cv cv
C) Sewer backup into a dwelling is not considered flood and is not covered
cv cv cv cv cv cv cv cv cv cv cv cv cv
D) Personal property in a basement or outside in the yard is covered - ans-
cv cv cv cv cv cv cv cv cv cv cv cv cv cvcv
D) Personal property in a basement or outside in the yard is covered
cv cv cv cv cv cv cv cv cv cv cv cv
Explanation: Personal property in a basement or outside in the yard is NOT covered under f
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
lood insurance. cv
Reference: 9.4 in the License Exam Manual cv cv cv cv cv cv
Which of the following coverages is NOT included in a boatowners/
cv cv cv cv cv cv cv cv cv cv
watercraft package policy? cv cv
A) Medical payments
cv cv
B) Liability
cv
C) Longshore and harbor workers' compensation insurance
cv cv cv cv cv cv
D) Property - ans-C) Longshore and harbor workers' compensation insurance
cv cv cvcv cv cv cv cv cv cv
Explanation: Boatowners/ cv
watercraft package policies were developed by individual insurance companies and they c
cv cv cv cv cv cv cv cv cv cv cv
ombine property, liability, and medical payments insurance on an open peril basis. Longsh
cv cv cv cv cv cv cv cv cv cv cv cv
ore and harbor workers' compensation insurance is found in personal yacht policies, which
cv cv cv cv cv cv cv cv cv cv cv cv cv
are used to insure larger vessels than those covered under boatowners policies.
cv cv cv cv cv cv cv cv cv cv cv
Reference: 9.8.1 in the License Exam Manual cv cv cv cv cv cv
An insured owns a pet lion that is caged on the homeowner's property. The owner takes gre
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
at care to warn neighbors of the possible danger by posting signs, fencing the yard, and loc
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
king the cage at all times. When a neighbor's child manages to open the cage and is bitten,
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
what type of liability would apply to the lion owner?
cv cv cv cv cv cv cv cv cv
A) Absolute liability
cv cv
B) Contractual liability
cv cv
C) Premises liability
cv cv
D) Vicarious liability - ans-A) Absolute liability
cv cv cv cvcv cv cv
Explanation: The law imposes strict or absolute liability for specific situations or activities th
cv cv cv cv cv cv cv cv cv cv cv cv cv
at pose threats to the safety of others. People who own dangerous animals are held to a hig
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
her standard of care. Absolute liability applies when a person is liable for a dangerous condi
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
tion, regardless of the amount of care taken.
cv cv cv cv cv cv cv
Reference: 5.3.4 in the License Exam Manual cv cv cv cv cv cv
Which of the following terms is used to describe an empty building that is not being used?
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
A) Vacated
cv
, B) Absent cv
C) Unoccupied
cv
D) Vacant - ans-D) Vacant
cv cv cvcv cv
Explanation: A building that is not currently in use and does not have enough furnishings to f
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
unction in its normal capacity is considered vacant. A building is unoccupied if no one is curr
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
ently in it, but furnishings are present and the occupants intended to return, as is the case w
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
hen the residents are out of town on vacation.
cv cv cv cv cv cv cv cv
Reference: 4.4.15 in the License Exam Manual cv cv cv cv cv cv
Which of the following statements about umbrella policies is NOT correct?
cv cv cv cv cv cv cv cv cv cv
A) They provide coverage above the limits of underlying policies.
cv cv cv cv cv cv cv cv cv
B) They are written only for commercial risks.
cv cv cv cv cv cv cv
C) Losses that are excluded by the underlying policy but covered by the umbrella are subje
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
ct to the umbrella's retention limit.
cv cv cv cv cv
D) If the insured fails to keep the underlying coverage in force, the umbrella policy will not co
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
ver the amount of loss that would have been paid by the underlying policy. - ans-
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cvcv
B) They are written only for commercial risks.
cv cv cv cv cv cv cv
Explanation: Umbrella liability policies may be written for both personal and commercial ris cv cv cv cv cv cv cv cv cv cv cv cv
ks.
Reference: 9.9.1 in the License Exam Manual cv cv cv cv cv cv
The agent has many responsibilities to the applicant. One involves a trust relationship betw
cv cv cv cv cv cv cv cv cv cv cv cv cv
een the agent and the insured regarding the insured's finances and confidentiality. In this c
cv cv cv cv cv cv cv cv cv cv cv cv cv cv
ase, the agent acts in what capacity?
cv cv cv cv cv cv
A) Fiduciary
cv
B) Consultant
cv
C) Attorney-in-fact
cv
D) Special agent - ans-A) Fiduciary
cv cv cv cvcv cv
Explanation: Agents have the duty to act in a fiduciary capacity that requires a high degree cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
of trust and confidence. This duty deals with the agent's dealings with both the insured and t
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
he insurer. The agent is expected to be trustworthy, act in good faith, and preserve confiden
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
tial information.
cv cv
Reference: 1.9.2 in the License Exam Manual cv cv cv cv cv cv
Thomas had a forklift injury at work that caused his death. How much money will his survivin
cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv cv
g spouse receive for burial expenses?
cv cv cv cv cv
A) Up to $10,000
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