LA Personal Lines exam questions with
100% complete answers
Which type of coverage limits apply to an insured's property at any location? - Answer-
Blanket
An unforeseen loss that occurs at a specific time and place is - Answer-an accident
In general practice, can the Commissioner of Insurance inspect the business records of
a company or agency for any valid reason? - Answer-Yes, because of the powers
defined by state laws
Mutual companies are owned by which of the following? - Answer-Policy owners
Any of the following may be an unfair claims practice EXCEPT: - Answer-Refusing to
pay person bringing false or fraudulent claims
An HO-4 can be issued by which of the following? - Answer-A non-owner tenant of an
apartment.
Damage caused by more than one peril at the same time is - Answer-a concurrent
causation
The broad theft coverage endorsement on a dwelling policy includes coverage for all of
the following EXCEPT: - Answer-a personal injury
All of the following would be covered under Coverage A of a dwelling policy EXCEPT -
Answer-an outbuilding on the described remises that is rented as a private garage.
Under a homeowner’s policy, which of the following is NOT covered by personal injury
coverage? - Answer-Medical expenses of the insured.
Which is NOT covered other-than-Collison coverage on an automobile policy? -
Answer-Rollover
According to the law of agency, which of the following is considered the principal? -
Answer-the Insurer
A subrogation clause allows an insurer to - Answer-take legal action against the
responsible third party
PRIMARY purpose of the Fair Credit Reporting Act is to - Answer-protect consumers
with guidelines regarding credit reporting and distribution
, Under automobile medical payments, the Insurer pays reasonable expenses for -
Answer-Funeral services
Under uninsured motorist coverage, which of the following does NOT cover the insured
for bodily injury as a result of an accident - Answer-An accident caused by the insured.
A homeowner wishes to purchase coverage for a home built in 1850. The home was
constructed with hand-carven crown molding banisters. The main customer? - Answer-
HO-8
In the event of a loss, the dwelling fire policy "Other Insurance" condition specifies that -
Answer-the entire loss will be paid
Underinsured motorist coverage ONLY applies when the - Answer-driver of the vehicle
that caused the accident has insufficient liability limits that are lower than the
underinsured motorist coverage on the non-negligent driver.
Before receiving an insurance license, an applicant must - Answer-pay a license an
application fee to the Louisiana Department of Insurance
Which of the following would be covered under the uninsured motorists section of a
personal automobile policy? - Answer-A hit-and-run driver strikes an insured vehicle
injuring a passenger in the vehicle.
What coverage part in a homeowner’s policy includes building materials on the
premises used to repair the covered property? - Answer-dwelling
There are several duties an insured must perform to comply with the conditions section
of their insurance policy following a loss. One such duty would be? - Answer-cooperate
with the insurer fully
Difference in conditions policies are usually written on - Answer-large risks with a
reinsurance requirement
Which of the following illustrates the concept of negligence? - Answer-A driver of a car
carelessly damages another car.
The type of construction that uses materials that can withstand fire for at least 2 hours -
Answer-fire-resistive
Which of the following would NOT be covered by a personal automotive liability policy? -
Answer-a borrowed car
a motorcycle
100% complete answers
Which type of coverage limits apply to an insured's property at any location? - Answer-
Blanket
An unforeseen loss that occurs at a specific time and place is - Answer-an accident
In general practice, can the Commissioner of Insurance inspect the business records of
a company or agency for any valid reason? - Answer-Yes, because of the powers
defined by state laws
Mutual companies are owned by which of the following? - Answer-Policy owners
Any of the following may be an unfair claims practice EXCEPT: - Answer-Refusing to
pay person bringing false or fraudulent claims
An HO-4 can be issued by which of the following? - Answer-A non-owner tenant of an
apartment.
Damage caused by more than one peril at the same time is - Answer-a concurrent
causation
The broad theft coverage endorsement on a dwelling policy includes coverage for all of
the following EXCEPT: - Answer-a personal injury
All of the following would be covered under Coverage A of a dwelling policy EXCEPT -
Answer-an outbuilding on the described remises that is rented as a private garage.
Under a homeowner’s policy, which of the following is NOT covered by personal injury
coverage? - Answer-Medical expenses of the insured.
Which is NOT covered other-than-Collison coverage on an automobile policy? -
Answer-Rollover
According to the law of agency, which of the following is considered the principal? -
Answer-the Insurer
A subrogation clause allows an insurer to - Answer-take legal action against the
responsible third party
PRIMARY purpose of the Fair Credit Reporting Act is to - Answer-protect consumers
with guidelines regarding credit reporting and distribution
, Under automobile medical payments, the Insurer pays reasonable expenses for -
Answer-Funeral services
Under uninsured motorist coverage, which of the following does NOT cover the insured
for bodily injury as a result of an accident - Answer-An accident caused by the insured.
A homeowner wishes to purchase coverage for a home built in 1850. The home was
constructed with hand-carven crown molding banisters. The main customer? - Answer-
HO-8
In the event of a loss, the dwelling fire policy "Other Insurance" condition specifies that -
Answer-the entire loss will be paid
Underinsured motorist coverage ONLY applies when the - Answer-driver of the vehicle
that caused the accident has insufficient liability limits that are lower than the
underinsured motorist coverage on the non-negligent driver.
Before receiving an insurance license, an applicant must - Answer-pay a license an
application fee to the Louisiana Department of Insurance
Which of the following would be covered under the uninsured motorists section of a
personal automobile policy? - Answer-A hit-and-run driver strikes an insured vehicle
injuring a passenger in the vehicle.
What coverage part in a homeowner’s policy includes building materials on the
premises used to repair the covered property? - Answer-dwelling
There are several duties an insured must perform to comply with the conditions section
of their insurance policy following a loss. One such duty would be? - Answer-cooperate
with the insurer fully
Difference in conditions policies are usually written on - Answer-large risks with a
reinsurance requirement
Which of the following illustrates the concept of negligence? - Answer-A driver of a car
carelessly damages another car.
The type of construction that uses materials that can withstand fire for at least 2 hours -
Answer-fire-resistive
Which of the following would NOT be covered by a personal automotive liability policy? -
Answer-a borrowed car
a motorcycle
