Georgia Personal Lines Agent
questions with 100% correct answers
with Rationales(GUARANTEED
SUCCESSS)
Subrogation - answer The INSD is hit in the rear while
stopped at a traffic light. The INSD's company pays for his
repairs then seeks reimbursement from the responsible
party. This is described as:
Comprehensive - answer Damage to a windshield by a
bird would be covered under:
Subrogation - answer is used by the insurer to seek
reimbursement from the third party that caused the
accident.
Mexico - answer The Personal Auto Policy (PAP) provides
coverage in all of the following locations EXCEPT:
$50,000 - answer Mr. Pfister carried 15/30/5 limits on an
auto, when he negligently ran into a parked car
,containing three occupants resulting in the following
claims:
Tom B.I. - $18,000
P.D.- $8,000
Dick B.I. - $8,000
Harry B.I. - $4,000
In addition to these settlement, there was $18,000 in
legal fees. Pfister's PAP will pay:
All are correct - answer After a loss, the INSD must:
Notify the company.
Permit the company to inspect a damaged auto before
repairs are started.
Submit to a physical exam if needed.
All are correct
Loss to permanently installed car telephone. - answer All
of the following are Physical Damage exclusions EXCEPT:
Loss to vehicle used as a livery.
Damage due to wear and tear.
Loss to audio tapes.
Loss to permanently installed car telephone.
,48 Hours
(INSD must notify the police in theft loss.) - answer The
insurer will pay transportation expenses under the PAP
beginning __________ after a theft of the INSD's
automobile.
$20 per day; $500 maximum - answer Under the PAP, the
insurer will pay for transportation expenses up to which of
the following amounts?
Collision
(Upset or overturn is an example of a collision loss) -
answer A car traveling at high speed, skids at a turn and
rolls over. The damage incurred would be covered under
which of the following personal auto coverages?
Collision
(Stolen car is covered under the Other Than Collision
coverage) - answer A stolen car is covered under which of
the following personal auto coverages?
$35,000 - answer As a result of an auto accident, the
INSD sustains bodily injury worth $50,000. The
responsible party carries auto liability insurance in the
, amt of 15/30/5. The INSD's $100,000 underinsurance
coverage would pay:
Underinsured Motorist Coverage - answer To pay the
difference between the at-fault driver's coverage and the
actual damages sustained by the INSD, up to the limit of
the underinsured motorists coverage limit.
Underinsured Motorist Coverage - answer Provides
coverage for the INSD when the at-fault driver carries less
coverage than that needed to pay for the INSD's injuries.
Uninsured Motor Vehicle - answer An insured vehicle
whose insurer denies coverage.
An insured vehicle whose insurer becomes insolvent.
A "hit and run" vehicle.
Personal Auto Policy Medical Payments cover: - answer
The INSD as driver.
A passenger.
The INSD as pedestrian.
3 - answer Under PAP Medical Payments, the time limit for
incurring medical expenses is up to _________ years from
the date of the accident.
questions with 100% correct answers
with Rationales(GUARANTEED
SUCCESSS)
Subrogation - answer The INSD is hit in the rear while
stopped at a traffic light. The INSD's company pays for his
repairs then seeks reimbursement from the responsible
party. This is described as:
Comprehensive - answer Damage to a windshield by a
bird would be covered under:
Subrogation - answer is used by the insurer to seek
reimbursement from the third party that caused the
accident.
Mexico - answer The Personal Auto Policy (PAP) provides
coverage in all of the following locations EXCEPT:
$50,000 - answer Mr. Pfister carried 15/30/5 limits on an
auto, when he negligently ran into a parked car
,containing three occupants resulting in the following
claims:
Tom B.I. - $18,000
P.D.- $8,000
Dick B.I. - $8,000
Harry B.I. - $4,000
In addition to these settlement, there was $18,000 in
legal fees. Pfister's PAP will pay:
All are correct - answer After a loss, the INSD must:
Notify the company.
Permit the company to inspect a damaged auto before
repairs are started.
Submit to a physical exam if needed.
All are correct
Loss to permanently installed car telephone. - answer All
of the following are Physical Damage exclusions EXCEPT:
Loss to vehicle used as a livery.
Damage due to wear and tear.
Loss to audio tapes.
Loss to permanently installed car telephone.
,48 Hours
(INSD must notify the police in theft loss.) - answer The
insurer will pay transportation expenses under the PAP
beginning __________ after a theft of the INSD's
automobile.
$20 per day; $500 maximum - answer Under the PAP, the
insurer will pay for transportation expenses up to which of
the following amounts?
Collision
(Upset or overturn is an example of a collision loss) -
answer A car traveling at high speed, skids at a turn and
rolls over. The damage incurred would be covered under
which of the following personal auto coverages?
Collision
(Stolen car is covered under the Other Than Collision
coverage) - answer A stolen car is covered under which of
the following personal auto coverages?
$35,000 - answer As a result of an auto accident, the
INSD sustains bodily injury worth $50,000. The
responsible party carries auto liability insurance in the
, amt of 15/30/5. The INSD's $100,000 underinsurance
coverage would pay:
Underinsured Motorist Coverage - answer To pay the
difference between the at-fault driver's coverage and the
actual damages sustained by the INSD, up to the limit of
the underinsured motorists coverage limit.
Underinsured Motorist Coverage - answer Provides
coverage for the INSD when the at-fault driver carries less
coverage than that needed to pay for the INSD's injuries.
Uninsured Motor Vehicle - answer An insured vehicle
whose insurer denies coverage.
An insured vehicle whose insurer becomes insolvent.
A "hit and run" vehicle.
Personal Auto Policy Medical Payments cover: - answer
The INSD as driver.
A passenger.
The INSD as pedestrian.
3 - answer Under PAP Medical Payments, the time limit for
incurring medical expenses is up to _________ years from
the date of the accident.
