AINS102 Practice Exam Questions
Complete Exam Questions and
Answers | already graded A+
A declare for cash damages because of damage to any other party or harm to some other
celebration's property quality describes - ANS-C. A legal responsibility loss.
A customer support consultant (CSR) receives a go to from an 18-12 months-vintage who is a
brand new automobile proprietor. The customer owns a rental and is living on dependent bills
set up from his deceased parents' property. His income is simple, so he would love to buy
minimum insurance limits. The CSR acknowledges that minimal limits might be insufficient for
the consumer if he's responsible for an accident. Which one of the following would be the CSR's
excellent choice for resolving this capability hassle? - ANS-B. Educate the patron approximately
car legal responsibility exposures, his property at threat, and insurance that is appropriate to
shield his assets
A retail chain occasionally calls for its clerks to use their personal vehicles to transfer unique
order merchandise from one save to any other. Tamika, one of its employees, became moving
objects from one area to every other in her station wagon that is insured with a Personal Auto
Policy (PAP). Tamika was injured in an car coincidence alongside the way, and her medical
payments may be paid by way of her employer's employees reimbursement coverage. Her
medical bills insurance underneath her PAP - ANS-C. Will pay nothing.
All of the subsequent have played a sizable a part of the lifestyles, increase, and fulfillment of
microinsurance, EXCEPT: - ANS-C. High-value homes
Andrew is a private car underwriter. Although the underwriting process is automated for
maximum recurring bills, Andrew is informed of the different factors that should be taken into
consideration whilst his knowledge is needed. Which one of the following factors will provide
data on the vehicle's safety capabilities, and the probability of theft or rollover? - ANS-C. Vehicle
kind
Annie had a question regarding coverage underneath her Personal Auto Policy (PAP),
associated with a particular law in her nation. Which one of the following sections of her PAP
includes info on insurance associated with kingdom-precise laws and guidelines? - ANS-B.
Endorsements
, Collision coverage beneath the Personal Auto Policy (PAP) - ANS-A. Applies to damage to a
parked insured car due to a passenger in any other parked car beginning its door.
Coverage A—Dwelling of an HO-three coverage applies to which one of the following? - ANS-A.
Deck connected to the insured living
Defense costs coverage is blanketed under Section II—Liability Coverages inside the HO-three
policy. This insurance - ANS-B. Is supplemental to the legal responsibility restrict.
Eric is a claims consultant for CM Insurance. He has been sent to Florida to address
catastrophe claims due to a recent hurricane. Based on his past experience with handling
disaster claims, Eric is aware of that the circumstances require him to do which one of the
following? - ANS-A. Remain empathetic and professional
Following an accident with an uninsured motorist, Renee submitted an uninsured motorists
claim to her Personal Auto Policy (PAP) insurer. The insurer made her an offer of agreement,
which Renee rejected because she suspected her harm became more excessive than pondered
through the provide. The claim adjuster believes Renee's shoulder damage might have resulted
from her years of gambling golfing. Renee and the adjuster are unable to return to an
agreement as to the quantity of her claim. This situation can nice be resolved via - ANS-C.
Arbitration.
Goshen Insurance started supplying usage-based coverage to personal automobile
policyholders. The assumption became that using telematics would allow Goshen to better
section drivers into suitable score classifications. Which one of the following is an example of a
private automobile pricing characteristic that might be generated through telematics, instead of
a conventional attribute? - ANS-A. Acceleration
If a claim is paid beneath Coverage F—Medical Payments to Others of a homeowners policy, a
coverage condition makes it clear that - ANS-C. The payment isn't an admission of legal
responsibility via the insured or the insurer.
In an HO-three policy, the definitions - ANS-C. Might be distinct from dictionary definitions.
In the insuring settlement of Part D—Coverage for Damage to Your Auto of the Personal Auto
Policy (PAP), the insurer promises to pay for - ANS-A. Direct and unintentional loss to a
protected vehicle.
In which one of the following ways do Fair Access to Insurance Requirements (FAIR) plans offer
needed support for credit? - ANS-A. Provide good enough belongings insurance insurance.
Inland marine floaters are bendy and may be used to cover each not unusual and uncommon
exposures. Inland marine floaters provide the manufacturer with the possibility to deal with and
Complete Exam Questions and
Answers | already graded A+
A declare for cash damages because of damage to any other party or harm to some other
celebration's property quality describes - ANS-C. A legal responsibility loss.
A customer support consultant (CSR) receives a go to from an 18-12 months-vintage who is a
brand new automobile proprietor. The customer owns a rental and is living on dependent bills
set up from his deceased parents' property. His income is simple, so he would love to buy
minimum insurance limits. The CSR acknowledges that minimal limits might be insufficient for
the consumer if he's responsible for an accident. Which one of the following would be the CSR's
excellent choice for resolving this capability hassle? - ANS-B. Educate the patron approximately
car legal responsibility exposures, his property at threat, and insurance that is appropriate to
shield his assets
A retail chain occasionally calls for its clerks to use their personal vehicles to transfer unique
order merchandise from one save to any other. Tamika, one of its employees, became moving
objects from one area to every other in her station wagon that is insured with a Personal Auto
Policy (PAP). Tamika was injured in an car coincidence alongside the way, and her medical
payments may be paid by way of her employer's employees reimbursement coverage. Her
medical bills insurance underneath her PAP - ANS-C. Will pay nothing.
All of the subsequent have played a sizable a part of the lifestyles, increase, and fulfillment of
microinsurance, EXCEPT: - ANS-C. High-value homes
Andrew is a private car underwriter. Although the underwriting process is automated for
maximum recurring bills, Andrew is informed of the different factors that should be taken into
consideration whilst his knowledge is needed. Which one of the following factors will provide
data on the vehicle's safety capabilities, and the probability of theft or rollover? - ANS-C. Vehicle
kind
Annie had a question regarding coverage underneath her Personal Auto Policy (PAP),
associated with a particular law in her nation. Which one of the following sections of her PAP
includes info on insurance associated with kingdom-precise laws and guidelines? - ANS-B.
Endorsements
, Collision coverage beneath the Personal Auto Policy (PAP) - ANS-A. Applies to damage to a
parked insured car due to a passenger in any other parked car beginning its door.
Coverage A—Dwelling of an HO-three coverage applies to which one of the following? - ANS-A.
Deck connected to the insured living
Defense costs coverage is blanketed under Section II—Liability Coverages inside the HO-three
policy. This insurance - ANS-B. Is supplemental to the legal responsibility restrict.
Eric is a claims consultant for CM Insurance. He has been sent to Florida to address
catastrophe claims due to a recent hurricane. Based on his past experience with handling
disaster claims, Eric is aware of that the circumstances require him to do which one of the
following? - ANS-A. Remain empathetic and professional
Following an accident with an uninsured motorist, Renee submitted an uninsured motorists
claim to her Personal Auto Policy (PAP) insurer. The insurer made her an offer of agreement,
which Renee rejected because she suspected her harm became more excessive than pondered
through the provide. The claim adjuster believes Renee's shoulder damage might have resulted
from her years of gambling golfing. Renee and the adjuster are unable to return to an
agreement as to the quantity of her claim. This situation can nice be resolved via - ANS-C.
Arbitration.
Goshen Insurance started supplying usage-based coverage to personal automobile
policyholders. The assumption became that using telematics would allow Goshen to better
section drivers into suitable score classifications. Which one of the following is an example of a
private automobile pricing characteristic that might be generated through telematics, instead of
a conventional attribute? - ANS-A. Acceleration
If a claim is paid beneath Coverage F—Medical Payments to Others of a homeowners policy, a
coverage condition makes it clear that - ANS-C. The payment isn't an admission of legal
responsibility via the insured or the insurer.
In an HO-three policy, the definitions - ANS-C. Might be distinct from dictionary definitions.
In the insuring settlement of Part D—Coverage for Damage to Your Auto of the Personal Auto
Policy (PAP), the insurer promises to pay for - ANS-A. Direct and unintentional loss to a
protected vehicle.
In which one of the following ways do Fair Access to Insurance Requirements (FAIR) plans offer
needed support for credit? - ANS-A. Provide good enough belongings insurance insurance.
Inland marine floaters are bendy and may be used to cover each not unusual and uncommon
exposures. Inland marine floaters provide the manufacturer with the possibility to deal with and
