P&C PRO-METRIC PRACTICE TEST
(MARYLAND) STIMULATOR EXAM 2025
QUESTIONS AND ANSWERS
Can a warranty be valid and enforced if not specifically written out in the contract? -
ANS Sometimes a warranty only need be expressed or implied
Howard was watching a TV commercial that advertised, "A household cleaner which would get
rid of any type of grease stain." Howard purchased this product to remove a grease stain he had
on his garage floor.
After many attempts at cleaning using this product, the grease stain still remained. Could
Howard file a claim against the cleaning company because its product did not work? -
ANS Yes, because express warranty exists
Name one way in which strict liability is different from negligence. - ANS Under strict liability,
the nature or type of product is the issue for the claim
Yolanda was injured while performing her daily duties at work. Under worker's compensation
laws, will Yolanda have to prove her company was at fault for her injuries? - ANS No, in the
majority of cases, injury claims at work will be paid without proving fault
Under which exception to the exclusive remedy approach are employees required to prove
negligence on the part of their employer to receive
compensation for an injury at work? - ANS Employer's liability
1
While employer's liability coverage does require fault to be proven by the employee, the
Page
coverage also has two advantages over workers' compensation coverage. Which two types of
@COPYRIGHT THESTAR 2025/2026
, claims would be covered under employer's liability coverage but not workers' compensation
coverage? - ANS Dual capacity claims and third-party-over claims
Under employer's liability coverage, can an employee sue an employer in addition to collecting
through a workers' compensation claim? - ANS Yes, under a dual capacity claim
Lindsay suffered a loss to her property after a major storm hit her town. Lindsay wanted her
homeowner's insurance to pay for the loss, but her insurance carrier wanted to deny the claim.
The insurance carrier was looking to deny on the basis that Lindsay did not do enough to secure
her property prior to the storm. If Lindsay and the insurance carrier cannot come to an
agreement and wish to not proceed through the court system, what is another means they
could use to determine fault? - ANS Arbitration
Under which type of arbitration is the decision final? - ANS binding arbitration
Does non-binding arbitration always result in a final
"winner"? - ANS No, the non-winning party does not have to accept the arbitrator's decision
Brent owned multiple properties, vehicles, and a couple of commercial locations.
To cover all of Brent's exposures, he purchased a couple of different insurance policies. If Brent
suffered a loss to one of his properties and more than one of his policies covered his loss, what
could the insurance carriers do to determine which policy would pay? - ANS Proceed
according to any concurrent insurance provisions outlined
All of the following are ways in which an insured can interfere with subrogation EXCEPT: -
ANS Provide the insurance carrier with complete documentation of the loss
When notifying the insurance carrier of a claim, does the insured have to submit the notice on a
specific form or document? - ANS no, a form, letter, or lawsuit could notify of a claim
Michael was running late for a meeting at his job and did not lock his car door. When he
2
realized it was unlocked, Michael did not want to turn around to go back and lock the vehicle.
Page
Michael thought if anything was stolen it was okay because his insurance would cover the loss.
@COPYRIGHT THESTAR 2025/2026
(MARYLAND) STIMULATOR EXAM 2025
QUESTIONS AND ANSWERS
Can a warranty be valid and enforced if not specifically written out in the contract? -
ANS Sometimes a warranty only need be expressed or implied
Howard was watching a TV commercial that advertised, "A household cleaner which would get
rid of any type of grease stain." Howard purchased this product to remove a grease stain he had
on his garage floor.
After many attempts at cleaning using this product, the grease stain still remained. Could
Howard file a claim against the cleaning company because its product did not work? -
ANS Yes, because express warranty exists
Name one way in which strict liability is different from negligence. - ANS Under strict liability,
the nature or type of product is the issue for the claim
Yolanda was injured while performing her daily duties at work. Under worker's compensation
laws, will Yolanda have to prove her company was at fault for her injuries? - ANS No, in the
majority of cases, injury claims at work will be paid without proving fault
Under which exception to the exclusive remedy approach are employees required to prove
negligence on the part of their employer to receive
compensation for an injury at work? - ANS Employer's liability
1
While employer's liability coverage does require fault to be proven by the employee, the
Page
coverage also has two advantages over workers' compensation coverage. Which two types of
@COPYRIGHT THESTAR 2025/2026
, claims would be covered under employer's liability coverage but not workers' compensation
coverage? - ANS Dual capacity claims and third-party-over claims
Under employer's liability coverage, can an employee sue an employer in addition to collecting
through a workers' compensation claim? - ANS Yes, under a dual capacity claim
Lindsay suffered a loss to her property after a major storm hit her town. Lindsay wanted her
homeowner's insurance to pay for the loss, but her insurance carrier wanted to deny the claim.
The insurance carrier was looking to deny on the basis that Lindsay did not do enough to secure
her property prior to the storm. If Lindsay and the insurance carrier cannot come to an
agreement and wish to not proceed through the court system, what is another means they
could use to determine fault? - ANS Arbitration
Under which type of arbitration is the decision final? - ANS binding arbitration
Does non-binding arbitration always result in a final
"winner"? - ANS No, the non-winning party does not have to accept the arbitrator's decision
Brent owned multiple properties, vehicles, and a couple of commercial locations.
To cover all of Brent's exposures, he purchased a couple of different insurance policies. If Brent
suffered a loss to one of his properties and more than one of his policies covered his loss, what
could the insurance carriers do to determine which policy would pay? - ANS Proceed
according to any concurrent insurance provisions outlined
All of the following are ways in which an insured can interfere with subrogation EXCEPT: -
ANS Provide the insurance carrier with complete documentation of the loss
When notifying the insurance carrier of a claim, does the insured have to submit the notice on a
specific form or document? - ANS no, a form, letter, or lawsuit could notify of a claim
Michael was running late for a meeting at his job and did not lock his car door. When he
2
realized it was unlocked, Michael did not want to turn around to go back and lock the vehicle.
Page
Michael thought if anything was stolen it was okay because his insurance would cover the loss.
@COPYRIGHT THESTAR 2025/2026
