ALABAMA INSURANCE PROPERTY AND
CASUALTY PRACTICE EXAM 2026
QUESTIONS AND VERIFIED ANSWERS
GUARANTEED PASS
⩥ Watercraft Policy. Answer: Open cockpit, 26 feet or less in length
⩥ Absolute Liabilty. Answer: Strong Liklihood of harming others
⩥ Intervening Cause. Answer: Disruption in chain of events
⩥ Negligence. Answer: LBPD - Legal Duty Owed, Breach of Legal
Duty, Proximate Cause, and Damages.
⩥ 25 mph. Answer: What is the maximum horesepower a boat can have
and be covered under a H.O. Policy
⩥ Personal Liability Coverage. Answer: Single Occurrence Limit -
$100,000 - non business activities
⩥ Defense Costs. Answer: Pay in Addition
, ⩥ Med Pay. Answer: Is to others
⩥ Med Pay Purpose. Answer: To avoid lawsuits
⩥ The most an insurer will pay for ONE breakdown is?. Answer:
$25,000
⩥ Primary Excess Rule. Answer: Insurance Follows car, if driven by
someone else their insurance would be secondary
⩥ Assigned Risk. Answer: Share poor driving risks among themselves
⩥ Uninsured Motorists. Answer: Optional
⩥ Collision coverage Pays. Answer: Market Value
⩥ Pure No Fault Plan. Answer: Each party - own insurance pays
⩥ Completed Operations. Answer: After car leaves shop - $100
deductible
⩥ Section II - Garage Liability. Answer: Covers property for which the
insured is legally responsible
CASUALTY PRACTICE EXAM 2026
QUESTIONS AND VERIFIED ANSWERS
GUARANTEED PASS
⩥ Watercraft Policy. Answer: Open cockpit, 26 feet or less in length
⩥ Absolute Liabilty. Answer: Strong Liklihood of harming others
⩥ Intervening Cause. Answer: Disruption in chain of events
⩥ Negligence. Answer: LBPD - Legal Duty Owed, Breach of Legal
Duty, Proximate Cause, and Damages.
⩥ 25 mph. Answer: What is the maximum horesepower a boat can have
and be covered under a H.O. Policy
⩥ Personal Liability Coverage. Answer: Single Occurrence Limit -
$100,000 - non business activities
⩥ Defense Costs. Answer: Pay in Addition
, ⩥ Med Pay. Answer: Is to others
⩥ Med Pay Purpose. Answer: To avoid lawsuits
⩥ The most an insurer will pay for ONE breakdown is?. Answer:
$25,000
⩥ Primary Excess Rule. Answer: Insurance Follows car, if driven by
someone else their insurance would be secondary
⩥ Assigned Risk. Answer: Share poor driving risks among themselves
⩥ Uninsured Motorists. Answer: Optional
⩥ Collision coverage Pays. Answer: Market Value
⩥ Pure No Fault Plan. Answer: Each party - own insurance pays
⩥ Completed Operations. Answer: After car leaves shop - $100
deductible
⩥ Section II - Garage Liability. Answer: Covers property for which the
insured is legally responsible
