Property And Casualty Practice Exam Latest
Update 2025-2026 Questions and 100% Verified
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• 1/252 Questions
Which insurance company department is responsible for paying insureds' covered
losses?
o Audit
o Claims
o Underwriting
o Reinsurance
Start
About This Quiz
Ready to ace your Property and Casualty Practice Exam? Dive into our quiz and
sharpen your knowledge on insurance principles, policies, and regulations. Whether
you're gearing up for your licensing exam or just want to test your understanding of
insurance concepts, this quiz has got you covered.
Explore topics like liability coverage, property insurance, risk management, and
more. See more
,Quiz Preview
• 2.
Failure to use the care that is required to protect others from the unreasonable chance
of harm is called what?
o Proximate cause
o Negligence
o A criminal act
o An intervening cause
Correct Answer
A. Negligence
Explanation
B is correct. Negligence is the lack of reasonable care that is required to protect others
from the unreasonable chance of harm.
Rate this question:
4
• 3.
Which one of the following injuries qualifies as a compensable injury under workers
compensation laws?
o A factory worker fractures her arm while working overtime on the
assembly line.
o A hotel maid falls down the stairs while cleaning her own home.
o A secretary accidentally swallows his gum while in the company
lunchroom and chokes when it gets lodged in his windpipe.
o An office manager is injured in a traffic accident on his way to work.
Correct Answer
A. A factory worker fractures her arm while working overtime on the assembly line.
Explanation
, A is correct. Work-related injuries must arise out of employment and arise in the course
of employment to be compensable. Time, place, and circumstances are all considered
in making this determination.
Rate this question:
4
• 4.
Which of the following is a hazard as opposed to a peril?
o Fire
o Lightning
o Wet pavement
o Flood
Correct Answer
A. Wet pavement
Explanation
Wet pavement is considered a hazard rather than a peril because it poses a risk or
danger to individuals. Hazards are conditions or situations that can cause harm, while
perils are events or causes of loss. In this case, wet pavement increases the likelihood
of accidents or slips, making it a hazard. Fire, lightning, and flood are all perils as they
are specific events or causes of damage or loss.
Rate this question:
11
• 5.
Which insurance company department is responsible for accepting and rejecting
applications based on company standards?
o Underwriting
o Loss Control
o Claims
Update 2025-2026 Questions and 100% Verified
Correct Answers Guaranteed A+
• 1/252 Questions
Which insurance company department is responsible for paying insureds' covered
losses?
o Audit
o Claims
o Underwriting
o Reinsurance
Start
About This Quiz
Ready to ace your Property and Casualty Practice Exam? Dive into our quiz and
sharpen your knowledge on insurance principles, policies, and regulations. Whether
you're gearing up for your licensing exam or just want to test your understanding of
insurance concepts, this quiz has got you covered.
Explore topics like liability coverage, property insurance, risk management, and
more. See more
,Quiz Preview
• 2.
Failure to use the care that is required to protect others from the unreasonable chance
of harm is called what?
o Proximate cause
o Negligence
o A criminal act
o An intervening cause
Correct Answer
A. Negligence
Explanation
B is correct. Negligence is the lack of reasonable care that is required to protect others
from the unreasonable chance of harm.
Rate this question:
4
• 3.
Which one of the following injuries qualifies as a compensable injury under workers
compensation laws?
o A factory worker fractures her arm while working overtime on the
assembly line.
o A hotel maid falls down the stairs while cleaning her own home.
o A secretary accidentally swallows his gum while in the company
lunchroom and chokes when it gets lodged in his windpipe.
o An office manager is injured in a traffic accident on his way to work.
Correct Answer
A. A factory worker fractures her arm while working overtime on the assembly line.
Explanation
, A is correct. Work-related injuries must arise out of employment and arise in the course
of employment to be compensable. Time, place, and circumstances are all considered
in making this determination.
Rate this question:
4
• 4.
Which of the following is a hazard as opposed to a peril?
o Fire
o Lightning
o Wet pavement
o Flood
Correct Answer
A. Wet pavement
Explanation
Wet pavement is considered a hazard rather than a peril because it poses a risk or
danger to individuals. Hazards are conditions or situations that can cause harm, while
perils are events or causes of loss. In this case, wet pavement increases the likelihood
of accidents or slips, making it a hazard. Fire, lightning, and flood are all perils as they
are specific events or causes of damage or loss.
Rate this question:
11
• 5.
Which insurance company department is responsible for accepting and rejecting
applications based on company standards?
o Underwriting
o Loss Control
o Claims
