PERSONAL LINES EXAM SCRIPTED ALL QUESTIONS AND
ANSWERS SURE A+
✔✔Under comparative negligence, damages awarded vary depending on each states
statues. True or False? - ✔✔True
✔✔Employers are __________ liable for employees work-related injuries. -
✔✔Absolutely
✔✔______ liability is a legal doctrine that holds a manufacturer legally liable for injuries
to a customer whether or not the manufacturer's product was defective. - ✔✔Strict
✔✔The two types of no fault systems are _____ and ________. - ✔✔Pure Modified
✔✔Under pure no fault, the tort system is completely abolished for bodily injuries
caused by auto accidents. True or False? - ✔✔True
✔✔Supplementary payments are not paid in addition to other limits of liability. True or
False? - ✔✔False
✔✔Exclusions may deny coverage for certain locations as well as certain persons. True
or False? - ✔✔True
✔✔When the limits of bodily injury and property damage are specified separately, they
are known as _____ limits. - ✔✔Split
✔✔When the limit of the policy can be applied to either bodily injury or property
damage, wherever needed, or in any combination, this is a ________ ______ limit. -
✔✔Combined single
✔✔Under a liability policy, an assignment of interest takes effect after the _______
consents. - ✔✔Insurer
✔✔The process whereby an insurer seeks to recover against a third party that has
caused it to pay a claimed to insured is known as ___________. - ✔✔Subrogation
✔✔A household employee who is purchasing something for the insured would be
considered a _________ employee. - ✔✔Residence
✔✔Under the homeowners policy, medical payments to others applies to expenses that
are incurred within ___ years of an accident. - ✔✔3
, ✔✔Would the medical payments under section 2 of a homeowners policy cover loss of
income of an injured person? - ✔✔No
✔✔Would an insured's overnight guest be covered for medical payments under a
homeowners policy? - ✔✔Yes
✔✔Claims payed under section 2 of a homeowners policy are subject to a standard
$250 deductible. - ✔✔False
✔✔First aid expenses under section 2 of a homeowners policy would cover a neighbor
that gets injured while helping the insured install a carpet. True or False? - ✔✔True
✔✔Under section 2 of a homeowners policy, damage to property of others (additional
coverages) duplicates coverage that is included in section 1. True or False? - ✔✔False
✔✔Damages caused intentionally by an insured who is 12 years of age would be
covered under damage to property of others (additional coverages). True or False? -
✔✔True
✔✔Section 2 of a homeowners policy covers damage to property of the insured. True or
False? - ✔✔False
✔✔A motorized golf cart used by a retired homeowner to make trips to the corner
grocery would meet the definition of covered vehicle under section 2 of a homeowners
policy. True or False? - ✔✔False
✔✔Would a 12 foot kayak be considered automatically as covered watercraft under
section 2 of a homeowners policy? - ✔✔Yes
✔✔Section 2 of a homeowners policy excludes payment for bodily injury or property
damage arising out of the use, sale, manufacture, delivery, or possession of a controlled
substance. True or False? - ✔✔True
✔✔Under the business pursuits endorsement, must the business be named on the
endorsement? - ✔✔Yes
✔✔Malicious prosecution would meet the definition of personal injury and be a covered
act under the personal injury endorsement. True or False? - ✔✔True
✔✔A liability loss arising out of the use of a sailboat in a racing competition would be
covered under the watercraft liability endorsement to the homeowners policy. True or
False? - ✔✔True
ANSWERS SURE A+
✔✔Under comparative negligence, damages awarded vary depending on each states
statues. True or False? - ✔✔True
✔✔Employers are __________ liable for employees work-related injuries. -
✔✔Absolutely
✔✔______ liability is a legal doctrine that holds a manufacturer legally liable for injuries
to a customer whether or not the manufacturer's product was defective. - ✔✔Strict
✔✔The two types of no fault systems are _____ and ________. - ✔✔Pure Modified
✔✔Under pure no fault, the tort system is completely abolished for bodily injuries
caused by auto accidents. True or False? - ✔✔True
✔✔Supplementary payments are not paid in addition to other limits of liability. True or
False? - ✔✔False
✔✔Exclusions may deny coverage for certain locations as well as certain persons. True
or False? - ✔✔True
✔✔When the limits of bodily injury and property damage are specified separately, they
are known as _____ limits. - ✔✔Split
✔✔When the limit of the policy can be applied to either bodily injury or property
damage, wherever needed, or in any combination, this is a ________ ______ limit. -
✔✔Combined single
✔✔Under a liability policy, an assignment of interest takes effect after the _______
consents. - ✔✔Insurer
✔✔The process whereby an insurer seeks to recover against a third party that has
caused it to pay a claimed to insured is known as ___________. - ✔✔Subrogation
✔✔A household employee who is purchasing something for the insured would be
considered a _________ employee. - ✔✔Residence
✔✔Under the homeowners policy, medical payments to others applies to expenses that
are incurred within ___ years of an accident. - ✔✔3
, ✔✔Would the medical payments under section 2 of a homeowners policy cover loss of
income of an injured person? - ✔✔No
✔✔Would an insured's overnight guest be covered for medical payments under a
homeowners policy? - ✔✔Yes
✔✔Claims payed under section 2 of a homeowners policy are subject to a standard
$250 deductible. - ✔✔False
✔✔First aid expenses under section 2 of a homeowners policy would cover a neighbor
that gets injured while helping the insured install a carpet. True or False? - ✔✔True
✔✔Under section 2 of a homeowners policy, damage to property of others (additional
coverages) duplicates coverage that is included in section 1. True or False? - ✔✔False
✔✔Damages caused intentionally by an insured who is 12 years of age would be
covered under damage to property of others (additional coverages). True or False? -
✔✔True
✔✔Section 2 of a homeowners policy covers damage to property of the insured. True or
False? - ✔✔False
✔✔A motorized golf cart used by a retired homeowner to make trips to the corner
grocery would meet the definition of covered vehicle under section 2 of a homeowners
policy. True or False? - ✔✔False
✔✔Would a 12 foot kayak be considered automatically as covered watercraft under
section 2 of a homeowners policy? - ✔✔Yes
✔✔Section 2 of a homeowners policy excludes payment for bodily injury or property
damage arising out of the use, sale, manufacture, delivery, or possession of a controlled
substance. True or False? - ✔✔True
✔✔Under the business pursuits endorsement, must the business be named on the
endorsement? - ✔✔Yes
✔✔Malicious prosecution would meet the definition of personal injury and be a covered
act under the personal injury endorsement. True or False? - ✔✔True
✔✔A liability loss arising out of the use of a sailboat in a racing competition would be
covered under the watercraft liability endorsement to the homeowners policy. True or
False? - ✔✔True
