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PERSONAL LINES FINAL EXAM 2025/2026 ACCURATE
QUESTIONS WITH CORRECT DETAILED ANSWERS ||
100% GUARANTEED PASS <LATEST VERSION>
What part of the policy lists the rules, duties, and obligations of
the insured and insurer?
A) Declarations Page
B) Insuring Agreement
C) conditions
D) exclusions .......Answer.........C) Conditions
The directive that states the violation committed and requires an
agent to stop the illegal acitivity is called:
A) show cause order
,age 2 of 58
B) subpoena
C) tort
D) cease and desist order .......Answer.........D) cease and desist
order
Extended Coverage (EC) include all of the following perils,
EXCEPT:
A) wind
B) riot
C) smoke
D) vandalism .......Answer.........D) vandalism
A device which is used to minimize small nuisance claims, lower
insurance premiums, and reduce morale hazards is called:
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A) arbitration
B) deductible
C) valued policy
D) coinsurance .......Answer.........Deductible
All of the following perils are covered, in a PERSONAL ARTICLES
FLOATER (PAF), EXCEPT:
A) inherent vice
B) flood
C) Earthquake
D) theft .......Answer.........A) Inherent vice
The policyholder has a liability of $300,000 and caused an
accident injuring one person in the amount of $250,000 and
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another person in the amount of $150,000. What limit of
coverage applies to the loss?
A) $150,000
B) $300,000
C) $250,000
D) $400,000 .......Answer.........B) $300,000
Eligible vehicles are described in the Personal Auto Policy.
Which of the following vehicles is NOT eligible?
A) A newly acquired sedan
B) an owned SUV
C) A van used as a temporary substitute
PERSONAL LINES FINAL EXAM 2025/2026 ACCURATE
QUESTIONS WITH CORRECT DETAILED ANSWERS ||
100% GUARANTEED PASS <LATEST VERSION>
What part of the policy lists the rules, duties, and obligations of
the insured and insurer?
A) Declarations Page
B) Insuring Agreement
C) conditions
D) exclusions .......Answer.........C) Conditions
The directive that states the violation committed and requires an
agent to stop the illegal acitivity is called:
A) show cause order
,age 2 of 58
B) subpoena
C) tort
D) cease and desist order .......Answer.........D) cease and desist
order
Extended Coverage (EC) include all of the following perils,
EXCEPT:
A) wind
B) riot
C) smoke
D) vandalism .......Answer.........D) vandalism
A device which is used to minimize small nuisance claims, lower
insurance premiums, and reduce morale hazards is called:
,age 3 of 58
A) arbitration
B) deductible
C) valued policy
D) coinsurance .......Answer.........Deductible
All of the following perils are covered, in a PERSONAL ARTICLES
FLOATER (PAF), EXCEPT:
A) inherent vice
B) flood
C) Earthquake
D) theft .......Answer.........A) Inherent vice
The policyholder has a liability of $300,000 and caused an
accident injuring one person in the amount of $250,000 and
, age 4 of 58
another person in the amount of $150,000. What limit of
coverage applies to the loss?
A) $150,000
B) $300,000
C) $250,000
D) $400,000 .......Answer.........B) $300,000
Eligible vehicles are described in the Personal Auto Policy.
Which of the following vehicles is NOT eligible?
A) A newly acquired sedan
B) an owned SUV
C) A van used as a temporary substitute
