New York State Property and
Casualty Licensing Exam
Questions and Answers 100%
PASS
Pro Rata Liability Clause is included in an insurance policy to deal with the problem of—
ANSWER---Duplicate insurance policies
The purpose of this clause is to illustrate the method to determine each insurer's liability in
case of a loss. Each insurer pays its fair share determined by the percentage that the carrier's
limit bears to the total coverage carried.
pro rata liability—ANSWER---If a loss occurs that is covered by more than 1 insurance policy
that was purchased by the insured, then each policy pays a portion of the loss that is
proportional to the amount of that policy over the total amount of all policies for the loss—
each policy pays its pro rata share.
What is meant by Res Ipsa Loquitur?—ANSWER---Res ipsa loquitur means, roughly, "the
thing speaks for itself." Courts developed the concept of Res Ipsa Loquitur to deal with cases
in which the actual negligent act cannot be proved, but it is clear that the injury was caused
by negligence.
, What territories are covered by commercial auto insurance?—ANSWER---The coverage
territory granted in commercial auto insurance is the United States, its territories and
possessions, Puerto Rico and Canada.
What does automobile insurance Supplementary Payments refer to?—ANSWER---Payment
of defense and other expenses by the insurance company beyond the limits of liability..
Any expense the insurance company wishes to incur in the processing of a claim is outside
the limits of coverage. The insured is not penalized.
Medical Payments coverage under a Homeowner policy are available for expenses resulting
from an injury to:—ANSWER---A residence employee..
This could be someone who mows the lawn. However, if a residence employee is covered
under Workers Compensation Coverage then the Medical Payments Coverage would not
apply. Coverage does not apply to the insured or member of the household. Roomers,
boarders and tenants are not covered as well
what does Homeowners - Coverage C exclude?—ANSWER---The Homeowners forms exclude
certain types of property. Pets are not covered for loss by an insured peril. The policy also
excludes coverage for property that is more specifically insured. Property of tenants is also
excluded.
George Wilson has a personal auto policy. What coverage that would apply when a deer
leaps onto Mr. Wilson's car and causes extensive damage?—ANSWER---Comprehensive
(other than collision).
Contact with a bird or animal is considered to be an "other than collision" loss.
© 2026 Copyright. All Rights Reserved. This document is
protected by copyright law, Copyrighted By Brittie Donald
Casualty Licensing Exam
Questions and Answers 100%
PASS
Pro Rata Liability Clause is included in an insurance policy to deal with the problem of—
ANSWER---Duplicate insurance policies
The purpose of this clause is to illustrate the method to determine each insurer's liability in
case of a loss. Each insurer pays its fair share determined by the percentage that the carrier's
limit bears to the total coverage carried.
pro rata liability—ANSWER---If a loss occurs that is covered by more than 1 insurance policy
that was purchased by the insured, then each policy pays a portion of the loss that is
proportional to the amount of that policy over the total amount of all policies for the loss—
each policy pays its pro rata share.
What is meant by Res Ipsa Loquitur?—ANSWER---Res ipsa loquitur means, roughly, "the
thing speaks for itself." Courts developed the concept of Res Ipsa Loquitur to deal with cases
in which the actual negligent act cannot be proved, but it is clear that the injury was caused
by negligence.
, What territories are covered by commercial auto insurance?—ANSWER---The coverage
territory granted in commercial auto insurance is the United States, its territories and
possessions, Puerto Rico and Canada.
What does automobile insurance Supplementary Payments refer to?—ANSWER---Payment
of defense and other expenses by the insurance company beyond the limits of liability..
Any expense the insurance company wishes to incur in the processing of a claim is outside
the limits of coverage. The insured is not penalized.
Medical Payments coverage under a Homeowner policy are available for expenses resulting
from an injury to:—ANSWER---A residence employee..
This could be someone who mows the lawn. However, if a residence employee is covered
under Workers Compensation Coverage then the Medical Payments Coverage would not
apply. Coverage does not apply to the insured or member of the household. Roomers,
boarders and tenants are not covered as well
what does Homeowners - Coverage C exclude?—ANSWER---The Homeowners forms exclude
certain types of property. Pets are not covered for loss by an insured peril. The policy also
excludes coverage for property that is more specifically insured. Property of tenants is also
excluded.
George Wilson has a personal auto policy. What coverage that would apply when a deer
leaps onto Mr. Wilson's car and causes extensive damage?—ANSWER---Comprehensive
(other than collision).
Contact with a bird or animal is considered to be an "other than collision" loss.
© 2026 Copyright. All Rights Reserved. This document is
protected by copyright law, Copyrighted By Brittie Donald
