Casualty PearsonVUE Practice Tests 2024/2025
A private passenger auto policy may be canceled more than sixty days after the effective date for
what reason?
(i.e. drivers license status) - ANSW Suspension of the insured's driver's license
An insurance company may deny an employee's claim for Workers Compensation benefits if the
employee was: - ANSW drunk and caused the injury
Under the automobile insurance plan (AIP), all of the following coverage's are available to the
eligible owner of a private passenger vehicle EXCEPT: - ANSW Rental Reimbursement
The account of an insured employees workers compensation disability payments is based on the
employer's - ANSW Weekly wage
Proof of Motor Vehicle Liability insurance is required of the driver when ____ a vehicle -
ANSW When registering a vehicle
Proof of Financial Responsibility for damages caused by an automobile accident may be shown
by all of the following documents EXCEPT: - ANSW A certified financial statement
Which of the following statements is CORRECT about Uninsured/Underinsured Motorists
coverage in this state?
(it is subject to _____ by the policyholder in ____) - ANSW It is subject to rejection by the
policyholder in writing
A candidate for licensure as a property insurance produce must have completed a MINIMUM of
how many hours of prelicensing education? - ANSW 15 hours
An employer who has been refused Worker's Compensation coverage by at least four insurance
companies may apply for coverage with - ANSW The Assigned Risk Plan
, The Workers Compensation Act provide coverage for all of the following losses EXCEPT: -
ANSW An on-the-job injury sustained by an employee who was intoxicated
If an insured has more than one auto policy that provides Uninsured Motorists coverage, which
of the following statements about the recovery of benefits is CORRECT?
(total recovery is ____ to the highest or lowest limits of those coverages?) - ANSW Total
recovery is restricted to the highest limits of those coverages
The Nonrenewal of an auto policy does not become effective until how many days after the
insured receives notice from the insurance company? - ANSW 30 days
Which of the following companies MUST participate in the Auto Insurance Plan? - ANSW All
companies that sell auto insurance in this state
Which of the following policies is intended to broaden the coverages and increase the limits of
underlying insurance? - ANSW Umbrella Liability
Under a Commercial General Liability Policy, medical payment expenses MUST BE:
(___ within [x] year of the [time frame] of the ____) - ANSW reported within 1 year of the date
of the accident
Which of the following individuals is likely to have a valid Workers Compensation claim? -
ANSW An employee injured while undergoing job training
The principle of actual cash value is applied to claims for which of the following policies?
(3 words) - ANSW Auto Physical Damage
W, an electrician, caused damage to the main wiring of a shopping center while working on
another building. As a result, the shopping center was forced to close early for the day. The loss
resulting from this damage would be considered which of the following types under W's
Commercial General Liability policy? - ANSW Operations
A private passenger auto policy may be canceled more than sixty days after the effective date for
what reason?
(i.e. drivers license status) - ANSW Suspension of the insured's driver's license
An insurance company may deny an employee's claim for Workers Compensation benefits if the
employee was: - ANSW drunk and caused the injury
Under the automobile insurance plan (AIP), all of the following coverage's are available to the
eligible owner of a private passenger vehicle EXCEPT: - ANSW Rental Reimbursement
The account of an insured employees workers compensation disability payments is based on the
employer's - ANSW Weekly wage
Proof of Motor Vehicle Liability insurance is required of the driver when ____ a vehicle -
ANSW When registering a vehicle
Proof of Financial Responsibility for damages caused by an automobile accident may be shown
by all of the following documents EXCEPT: - ANSW A certified financial statement
Which of the following statements is CORRECT about Uninsured/Underinsured Motorists
coverage in this state?
(it is subject to _____ by the policyholder in ____) - ANSW It is subject to rejection by the
policyholder in writing
A candidate for licensure as a property insurance produce must have completed a MINIMUM of
how many hours of prelicensing education? - ANSW 15 hours
An employer who has been refused Worker's Compensation coverage by at least four insurance
companies may apply for coverage with - ANSW The Assigned Risk Plan
, The Workers Compensation Act provide coverage for all of the following losses EXCEPT: -
ANSW An on-the-job injury sustained by an employee who was intoxicated
If an insured has more than one auto policy that provides Uninsured Motorists coverage, which
of the following statements about the recovery of benefits is CORRECT?
(total recovery is ____ to the highest or lowest limits of those coverages?) - ANSW Total
recovery is restricted to the highest limits of those coverages
The Nonrenewal of an auto policy does not become effective until how many days after the
insured receives notice from the insurance company? - ANSW 30 days
Which of the following companies MUST participate in the Auto Insurance Plan? - ANSW All
companies that sell auto insurance in this state
Which of the following policies is intended to broaden the coverages and increase the limits of
underlying insurance? - ANSW Umbrella Liability
Under a Commercial General Liability Policy, medical payment expenses MUST BE:
(___ within [x] year of the [time frame] of the ____) - ANSW reported within 1 year of the date
of the accident
Which of the following individuals is likely to have a valid Workers Compensation claim? -
ANSW An employee injured while undergoing job training
The principle of actual cash value is applied to claims for which of the following policies?
(3 words) - ANSW Auto Physical Damage
W, an electrician, caused damage to the main wiring of a shopping center while working on
another building. As a result, the shopping center was forced to close early for the day. The loss
resulting from this damage would be considered which of the following types under W's
Commercial General Liability policy? - ANSW Operations
