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Exam (elaborations)

NJ PROPERTY/ CASUALTY INSURANCE EXAM SET

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NJ PROPERTY/ CASUALTY INSURANCE EXAM SET Why was the commercial Insurance Deregulation Act Created? - CORRECT ANSWER -To protect the public from the adverse effects of excessive, inadequate, & unfair discriminatory rates & marketing practices Which policies issued must follow the provisions of the Commercial Insurance Deregulation Act? - CORRECT ANSWER -Commercial policies When must rate amendments & policy forms be filed with the commissioner? - CORRECT ANSWER -30 days before What losses are excluded from flood insurance? - CORRECT ANSWER --Landslides -Sewer backup -Windblown Rain -Snow -Sleet Who administers the NFIP? - CORRECT ANSWER -Federal Insurance Administration (FIA) What does the NFIP stand for? - CORRECT ANSWER -National Flood Insurance Program Why was the National Flood insurance Program constructed? - CORRECT ANSWER -to fill in gaps of flood coverage by the private sector

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