10/12/25, 5:03 PM Louisiana Personal Lines Insurance Exam (2025) UPDATE Verified Questions And Answers | With 100% Correct Answers graded …
Louisiana Personal Lines Insurance Exam (2025)
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100% Correct Answers graded A+ Guaranteed
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Terms in this set (115)
Driver A has a personal c) $50,000
auto policy with Part C:
UM/UIM limits of 100/300. Underinsured motorist coverage acts as excess over
He is injured by Driver B the at-fault motorist's coverage. It will pay the
who has Part A: Bodily difference between the insured's UIM limits and the
Injury Liability limits of at-fault driver's bodily injury limits (in this scenario,
50/100. It is determined $100,000 of the insured's coverage minus $50,000 of
that Driver B is at fault for the other driver's). Because of the per person limits of
the accident. Driver A has Driver A's underinsured motorist coverage, the policy
$125,000 in medical will pay the amount necessary to bring payment up to
expenses. How much will the per person limit. The policy will not pay more than
his Part C: UM/UIM the limits of liability.
coverage pay?
a) $125,000
b) $75,000
c) $50,000
d) $25,000
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Because an insured owns b) Coverage C limits will no longer apply to the
a lot of expensive jewelry, jewelry insured by the endorsement.
her insurance agent has
advised her to purchase a When items are scheduled, they are excluded from
scheduled personal Coverage C as insured items, and are covered only
property endorsement. If under the scheduled personal property endorsement.
the insured adds this
endorsement to her
homeowners policy, which
of the following
statements would be
correct?
a) The endorsement
becomes primary
coverage and the HO
contract is secondary.
b) Coverage C limits will
no longer apply to the
jewelry insured by the
endorsement.
c) The amount of
coverage will be doubled.
d) The endorsement
becomes excess
coverage.
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,10/12/25, 5:03 PM Louisiana Personal Lines Insurance Exam (2025) UPDATE Verified Questions And Answers | With 100% Correct Answers graded …
Which of the following b) It provides errors and omissions coverage for an
statements is NOT true agency.
regarding a personal
umbrella liability policy? Personal umbrella policies cover the personal
exposure of the insured. Errors and omissions
a) It provides excess coverage is provided only in a professional liability
liability coverage over policy.
underlying personal
liability.
b) It provides errors and
omissions coverage for an
agency.
c) It may cover certain
exposures not provided
under the primary layer.
d) It may require the
payment of a self-insured
retention.
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, 10/12/25, 5:03 PM Louisiana Personal Lines Insurance Exam (2025) UPDATE Verified Questions And Answers | With 100% Correct Answers graded …
A mortgage company is b) The loss is payable to the insured and the
named as a loss payee on mortgagee.
the insured's homeowners
policy, under the standard Loss is payable to the insured and mortgagee to
mortgage clause. If the protect the mortgage company's interest. This
insured suffers a loss due prevents the insured from cashing the check and not
to a fire, which of the completing repairs.
following is true?
a) The entire loss is
payable to the insured.
b) The loss is payable to
the insured and the
mortgagee.
c) The mortgagee should
submit a claim to its
insurer, and the insured
should submit a claim to
the HO policy.
d) The entire loss is
payable to the mortgagee.
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Louisiana Personal Lines Insurance Exam (2025)
UPDATE Verified Questions And Answers | With
100% Correct Answers graded A+ Guaranteed
Success!!
Save
Terms in this set (115)
Driver A has a personal c) $50,000
auto policy with Part C:
UM/UIM limits of 100/300. Underinsured motorist coverage acts as excess over
He is injured by Driver B the at-fault motorist's coverage. It will pay the
who has Part A: Bodily difference between the insured's UIM limits and the
Injury Liability limits of at-fault driver's bodily injury limits (in this scenario,
50/100. It is determined $100,000 of the insured's coverage minus $50,000 of
that Driver B is at fault for the other driver's). Because of the per person limits of
the accident. Driver A has Driver A's underinsured motorist coverage, the policy
$125,000 in medical will pay the amount necessary to bring payment up to
expenses. How much will the per person limit. The policy will not pay more than
his Part C: UM/UIM the limits of liability.
coverage pay?
a) $125,000
b) $75,000
c) $50,000
d) $25,000
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,10/12/25, 5:03 PM Louisiana Personal Lines Insurance Exam (2025) UPDATE Verified Questions And Answers | With 100% Correct Answers graded …
Because an insured owns b) Coverage C limits will no longer apply to the
a lot of expensive jewelry, jewelry insured by the endorsement.
her insurance agent has
advised her to purchase a When items are scheduled, they are excluded from
scheduled personal Coverage C as insured items, and are covered only
property endorsement. If under the scheduled personal property endorsement.
the insured adds this
endorsement to her
homeowners policy, which
of the following
statements would be
correct?
a) The endorsement
becomes primary
coverage and the HO
contract is secondary.
b) Coverage C limits will
no longer apply to the
jewelry insured by the
endorsement.
c) The amount of
coverage will be doubled.
d) The endorsement
becomes excess
coverage.
https://quizlet.com/1091421805/louisiana-personal-lines-insurance-exam-2025-update-verified-questions-and-answers-with-100-correct-answers-gra… 2/60
,10/12/25, 5:03 PM Louisiana Personal Lines Insurance Exam (2025) UPDATE Verified Questions And Answers | With 100% Correct Answers graded …
Which of the following b) It provides errors and omissions coverage for an
statements is NOT true agency.
regarding a personal
umbrella liability policy? Personal umbrella policies cover the personal
exposure of the insured. Errors and omissions
a) It provides excess coverage is provided only in a professional liability
liability coverage over policy.
underlying personal
liability.
b) It provides errors and
omissions coverage for an
agency.
c) It may cover certain
exposures not provided
under the primary layer.
d) It may require the
payment of a self-insured
retention.
https://quizlet.com/1091421805/louisiana-personal-lines-insurance-exam-2025-update-verified-questions-and-answers-with-100-correct-answers-gra… 3/60
, 10/12/25, 5:03 PM Louisiana Personal Lines Insurance Exam (2025) UPDATE Verified Questions And Answers | With 100% Correct Answers graded …
A mortgage company is b) The loss is payable to the insured and the
named as a loss payee on mortgagee.
the insured's homeowners
policy, under the standard Loss is payable to the insured and mortgagee to
mortgage clause. If the protect the mortgage company's interest. This
insured suffers a loss due prevents the insured from cashing the check and not
to a fire, which of the completing repairs.
following is true?
a) The entire loss is
payable to the insured.
b) The loss is payable to
the insured and the
mortgagee.
c) The mortgagee should
submit a claim to its
insurer, and the insured
should submit a claim to
the HO policy.
d) The entire loss is
payable to the mortgagee.
https://quizlet.com/1091421805/louisiana-personal-lines-insurance-exam-2025-update-verified-questions-and-answers-with-100-correct-answers-gra… 4/60
