CIC - PERSONAL LINES EXAM
QUESTIONS WITH COMPLETE
SOLUTIONS
What triggers coverage A Dwelling coverage and B Other Structures? - Answer-direct
physical loss, burden on insurance company to prove loss is excluded
Coverage A & B Exclusions - Answer--freezing only if insured fails to take steps to
maintain the heat or shut off the water supply and drain the systems/appliances
-freezing, thawing, pressure or weight of water or ice to fences, pavement, patios,
swimming pools
-theft to a dwelling under construction or materials and supplies for use in construction
until the dwelling is BOTH finished and occupied
-vandalism and any ensuing loss if dwelling has been vacant for more than 60
consecutive days
-mold, fungus, or wet rot
Personal Property Perils Insured Against - Answer-Fire, lightning
W - Wind
H - Hail
A - Aircraft
R - Riot
V - Vehicles/Vandalism
E - Explosion
S - Smoke
Theft
Concurrent Causation Exclusions - Answer-Applies to coverage A & B
1. Weather conditions
2. Acts or decision, failure to act or decide
3. Faulty planning or zoning, faulty design or construction or construction or
maintenance
Duties after loss (PINES) - Answer-Protect the property from further damage
Inventory the damaged property
Notify the carrier or agent
Exhibit the property to an adjustor
Submit a sworn statement
ACV Settlement for what property? (RC at the time of the loss less it's depreciation) -
Answer--personal property
-awnings, carpeting, appliances, and outdoor equipment
-structures that are not buildings (fence, gazebo, pool)
, -grave markers
Personal Property Perils Insured Against - Answer-
Medical payments to others - Answer-pays medical expenses of someone accidentally
injured at an insured location (w/ permission), or injured by the insured, family pet, etc.
off the insured location or ways adjoining due to activities of an insured. activities of a
residence employee while working for an insured
Motor Vehicle Liability Exclusion - Answer-is registered for use on public roads or
property;
or should have been
operated in, or practicing for, any prearranged or organized race, speed contest or other
competition;
rented to others
used to carry persons or cargo for a charge
used for any "business" purpose except for a motorized golf cart while on a golfing
facility
Part 2 - still excluded UNLESS-
in dead storage on an "insured location;"
used solely to service an "insured's" residence;
designed to assist the handicapped and, at the time of an "occurrence", it is being used
to assist a handicapped person or parked on an "insured location;" designed for
recreational use off public roads and not owned by an "insured" or
owned by an "insured" provided the "occurrence" takes place on an "insured location"
a motorized golf cart that is owned by an "insured", designed to carry up to 4 persons,
not built or modified after manufacture to exceed a speed of 25 miles per hour on level
ground and, at the time of an "occurrence", is within the legal boundaries of
a golfing facility and is parked or stored there
travel to or from an area where "motor vehicles" or golf carts are parked or stored; or
cross public roads at designated points to access other parts of the golfing facility;
or a private residential community, including its public roads upon which a motorized
golf cart can legally travel, which is subject to the authority of a property owners
association and contains an "insured's" residence
Watercraft Liability Exclusion - includes ownership, occupancy, use, loading or
unloading by any person, entrustment, failure to supervise, vicarious liability - Answer--
preparing or operating in a race
-rented to others
-used to carry people or cargo for a fee
-used for any business purposes
EXCEPT when watercraft is stored
Aircraft and Hovercraft Exclusions - Answer-except hobby or model aircraft
QUESTIONS WITH COMPLETE
SOLUTIONS
What triggers coverage A Dwelling coverage and B Other Structures? - Answer-direct
physical loss, burden on insurance company to prove loss is excluded
Coverage A & B Exclusions - Answer--freezing only if insured fails to take steps to
maintain the heat or shut off the water supply and drain the systems/appliances
-freezing, thawing, pressure or weight of water or ice to fences, pavement, patios,
swimming pools
-theft to a dwelling under construction or materials and supplies for use in construction
until the dwelling is BOTH finished and occupied
-vandalism and any ensuing loss if dwelling has been vacant for more than 60
consecutive days
-mold, fungus, or wet rot
Personal Property Perils Insured Against - Answer-Fire, lightning
W - Wind
H - Hail
A - Aircraft
R - Riot
V - Vehicles/Vandalism
E - Explosion
S - Smoke
Theft
Concurrent Causation Exclusions - Answer-Applies to coverage A & B
1. Weather conditions
2. Acts or decision, failure to act or decide
3. Faulty planning or zoning, faulty design or construction or construction or
maintenance
Duties after loss (PINES) - Answer-Protect the property from further damage
Inventory the damaged property
Notify the carrier or agent
Exhibit the property to an adjustor
Submit a sworn statement
ACV Settlement for what property? (RC at the time of the loss less it's depreciation) -
Answer--personal property
-awnings, carpeting, appliances, and outdoor equipment
-structures that are not buildings (fence, gazebo, pool)
, -grave markers
Personal Property Perils Insured Against - Answer-
Medical payments to others - Answer-pays medical expenses of someone accidentally
injured at an insured location (w/ permission), or injured by the insured, family pet, etc.
off the insured location or ways adjoining due to activities of an insured. activities of a
residence employee while working for an insured
Motor Vehicle Liability Exclusion - Answer-is registered for use on public roads or
property;
or should have been
operated in, or practicing for, any prearranged or organized race, speed contest or other
competition;
rented to others
used to carry persons or cargo for a charge
used for any "business" purpose except for a motorized golf cart while on a golfing
facility
Part 2 - still excluded UNLESS-
in dead storage on an "insured location;"
used solely to service an "insured's" residence;
designed to assist the handicapped and, at the time of an "occurrence", it is being used
to assist a handicapped person or parked on an "insured location;" designed for
recreational use off public roads and not owned by an "insured" or
owned by an "insured" provided the "occurrence" takes place on an "insured location"
a motorized golf cart that is owned by an "insured", designed to carry up to 4 persons,
not built or modified after manufacture to exceed a speed of 25 miles per hour on level
ground and, at the time of an "occurrence", is within the legal boundaries of
a golfing facility and is parked or stored there
travel to or from an area where "motor vehicles" or golf carts are parked or stored; or
cross public roads at designated points to access other parts of the golfing facility;
or a private residential community, including its public roads upon which a motorized
golf cart can legally travel, which is subject to the authority of a property owners
association and contains an "insured's" residence
Watercraft Liability Exclusion - includes ownership, occupancy, use, loading or
unloading by any person, entrustment, failure to supervise, vicarious liability - Answer--
preparing or operating in a race
-rented to others
-used to carry people or cargo for a fee
-used for any business purposes
EXCEPT when watercraft is stored
Aircraft and Hovercraft Exclusions - Answer-except hobby or model aircraft
