PERSONAL LINES EXAM AND PRACTICE EXAM NEWEST 2025 ACTUAL EXAM COMPLETE 300 QUESTIONS AND CORRECT DETAILED ANSWERS (VERIFIED ANSWERS) 100 GUARANTEED PASS!.pdf

Idaho Property and Casualty Personal Lines Insurance E
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Questions and Answers Updated Latest m m m m m




1. Which of the following statements is false with respect to requirements fo
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r rates?
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A) Rates may not be inadequate
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B) A purpose of the rate regulation is to diminish competition between insur
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- ers
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C) Rates may not be unfairly discriminatory
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D) A purpose of the rate regulation is to regulate cooperative action amon
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g insurers
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ANS: B m




2. All of the following are true of negligence, excep
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tA
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It is the failure to use ordinary careB
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It does not require a duty to be owed
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C It is a type of tort
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D
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,It does not include breach of contract
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ANS: B m




3. Policyholder S has an HO- m m m m




5 policy with a $250,000 Coverage A limit. After a strong wind blows a mailbo
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x into S's front picture window, causing $2,500 damage, S immediately buys $
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250 of wood and plastic sheeting to cover the damaged window and prevent fu
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rther damage. How much will S's policy pay?A
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$2,250
B
$2,750
C
$250
D
$500


ANS: B m




4. Bodily Injury may include which of the following
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?A m




Loss of Earnings
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B
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,C




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, Invasion of Privacym m




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ANS: A m




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