P&C MD State Law Practice Test
Questions and Actual Answers.
John is 66 years old, has a physical handicap and has never been in a motor/vehicle accident or
received a premium for his motor/vehicle insurance. What will happen to his policy? - Answer
His policy will automatically have to be reviewed due to his age and physical condition
Who must obtain an appointment from an insurer in order to sell solicit, or negotiate property
and casualty? - Answer All licensed insurance producers who are acting on behalf of an
insurance company
If an insured increases limits on PAP to 100/300/50 and signs an Uninsured Motorist Waiver,
what happens to Uninsured Motorist coverage: - Answer 30/60/15
A Maryland Auto Insurance Fund (MAIF) producer is REQUIRED to have a bond for the fund of
how much? - Answer $10,000
Under Maryland Insurance Laws, PIP benefits for lost wages are paid at what percentage? -
Answer 85%
An insurance producer may not act on the behalf of an insurer unless the... - Answer Insurer
has appointed the producer and entered the appointment of the insurer's producer
Persons entitled to seek a hearing as a result of an action by the insurance commissioner have
how many days? - Answer 30 Days
How many employees must an employer have to subject to Maryland's worker's compensation
laws? - Answer One
An insurer fails to provide notice of renewal premium due for a personal lines policy and
subsequently the policy premium. The insured has a claim during this time. The Insurer... -
Answer Collects premium owed before handling claim
Which of the following does the National Flood Insurance Program not provide coverage for? -
Answer Mudslide
Questions and Actual Answers.
John is 66 years old, has a physical handicap and has never been in a motor/vehicle accident or
received a premium for his motor/vehicle insurance. What will happen to his policy? - Answer
His policy will automatically have to be reviewed due to his age and physical condition
Who must obtain an appointment from an insurer in order to sell solicit, or negotiate property
and casualty? - Answer All licensed insurance producers who are acting on behalf of an
insurance company
If an insured increases limits on PAP to 100/300/50 and signs an Uninsured Motorist Waiver,
what happens to Uninsured Motorist coverage: - Answer 30/60/15
A Maryland Auto Insurance Fund (MAIF) producer is REQUIRED to have a bond for the fund of
how much? - Answer $10,000
Under Maryland Insurance Laws, PIP benefits for lost wages are paid at what percentage? -
Answer 85%
An insurance producer may not act on the behalf of an insurer unless the... - Answer Insurer
has appointed the producer and entered the appointment of the insurer's producer
Persons entitled to seek a hearing as a result of an action by the insurance commissioner have
how many days? - Answer 30 Days
How many employees must an employer have to subject to Maryland's worker's compensation
laws? - Answer One
An insurer fails to provide notice of renewal premium due for a personal lines policy and
subsequently the policy premium. The insured has a claim during this time. The Insurer... -
Answer Collects premium owed before handling claim
Which of the following does the National Flood Insurance Program not provide coverage for? -
Answer Mudslide
