age 1 of 134
LOUISIANA PROPERTY AND CASUALTY INSURANCE
EXAM 2025/2026 ACCURATE QUESTIONS WITH
CORRECT DETAILED ANSWERS ||100% GUARANTEED
PASS <RECENT VERSION>
Driver A has a personal auto policy with Part C: UM/UIM limits
of 100/300. He is injured by Driver B who has Part A: Bodily
Injury Liability limits of 50/100. It is determined that Driver B is
at fault for the accident. Driver A has $125,000 in medical
expenses. How much will his Part C: UM/UIM coverage pay?
a) $125,000
b) $75,000
c) $50,000
d) $25,000 .......Answer.........c) $50,000
,age 2 of 134
Underinsured motorist coverage acts as excess over the at-fault
motorist's coverage. It will pay the difference between the
insured's UIM limits and the at-fault driver's bodily injury limits
(in this scenario, $100,000 of the insured's coverage minus
$50,000 of the other driver's). Because of the per person limits
of Driver A's underinsured motorist coverage, the policy will pay
the amount necessary to bring payment up to the per person
limit. The policy will not pay more than the limits of liability.
Because an insured owns a lot of expensive jewelry, her
insurance agent has advised her to purchase a scheduled
personal property endorsement. If 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.
,age 3 of 134
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.
.......Answer.........b) Coverage C limits will no longer apply to the
jewelry insured by the endorsement.
When items are scheduled, they are excluded from Coverage C
as insured items, and are covered only under the scheduled
personal property endorsement.
Which of the following terms refers to a person's ability to do
some work or the need to do alternative work?
a) Temporary total disability
b) Temporary partial disability
, age 4 of 134
c) Permanent partial disability
d) Permanent total disability .......Answer.........b) Temporary
partial disability
The insuring agreement is the part of the policy structure that
describes the insured perils and the method of indemnification.
Which of the following statements is NOT true regarding a
personal umbrella liability policy?
a) It provides excess liability coverage over underlying personal
liability.
b) It provides errors and omissions coverage for an agency.
LOUISIANA PROPERTY AND CASUALTY INSURANCE
EXAM 2025/2026 ACCURATE QUESTIONS WITH
CORRECT DETAILED ANSWERS ||100% GUARANTEED
PASS <RECENT VERSION>
Driver A has a personal auto policy with Part C: UM/UIM limits
of 100/300. He is injured by Driver B who has Part A: Bodily
Injury Liability limits of 50/100. It is determined that Driver B is
at fault for the accident. Driver A has $125,000 in medical
expenses. How much will his Part C: UM/UIM coverage pay?
a) $125,000
b) $75,000
c) $50,000
d) $25,000 .......Answer.........c) $50,000
,age 2 of 134
Underinsured motorist coverage acts as excess over the at-fault
motorist's coverage. It will pay the difference between the
insured's UIM limits and the at-fault driver's bodily injury limits
(in this scenario, $100,000 of the insured's coverage minus
$50,000 of the other driver's). Because of the per person limits
of Driver A's underinsured motorist coverage, the policy will pay
the amount necessary to bring payment up to the per person
limit. The policy will not pay more than the limits of liability.
Because an insured owns a lot of expensive jewelry, her
insurance agent has advised her to purchase a scheduled
personal property endorsement. If 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.
,age 3 of 134
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.
.......Answer.........b) Coverage C limits will no longer apply to the
jewelry insured by the endorsement.
When items are scheduled, they are excluded from Coverage C
as insured items, and are covered only under the scheduled
personal property endorsement.
Which of the following terms refers to a person's ability to do
some work or the need to do alternative work?
a) Temporary total disability
b) Temporary partial disability
, age 4 of 134
c) Permanent partial disability
d) Permanent total disability .......Answer.........b) Temporary
partial disability
The insuring agreement is the part of the policy structure that
describes the insured perils and the method of indemnification.
Which of the following statements is NOT true regarding a
personal umbrella liability policy?
a) It provides excess liability coverage over underlying personal
liability.
b) It provides errors and omissions coverage for an agency.
