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Bobby, age 16, borrows his parents' car D) Bobby is covered by his parents' policy because he is a
without their permission and gets into an family member.
accident. Which of the following statements
about coverage under the parents' personal Explanation: Bobby is a family member and thus automatically
auto policy is CORRECT? is covered under the family's PAP policy. Even though Bobby
is using the car without permission, the exclusion pertaining to
A) Bobby is covered by his parents' policy nonpermissive users does not apply to use of an owned auto
because he is included in the definition of policy by resident family members.
named insured.
B) Bobby is not covered for this accident Reference: 8.7.2 in License Exam Manual
because he used the car without permission.
C) Bobby is not covered because it was not
his car.
D) Bobby is covered by his parents' policy
because he is a family member.
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A parking valet at a hotel uses a guest's car C) subrogate against the parking valet
to do a personal errand and damages the
car in a collision. The guest has a personal Explanation: Part-D coverage for Damage to Your Auto of the
auto policy (PAP). The insurance company PAP contains a no benefit to bailee provision. This provision
will pay the claim and ____. states that a carrier or other bailee for hire, such as a parking
gar5age, service station, or moving company will not directly
A) relieve the parking valet of legal liability or indirectly benefit from the PAP's insurance. A bailee is an
for the loss individual or entity that assumes possession of goods owned
B) subrogate against the named insured by another for the purpose of transporting, servicing, or
C) subrogate against the parking valet storing them. When temporary custody is assumed, the bailee
D) recover any additional loss from the becomes legally liable for the goods.
lienholder
Reference: 8.7.2 in the License Exam Manual
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Who of the following are required to be A) All insurers that write the types of insurance that are
members of the Arizona Property and protected by the fund in Arizona
Casualty Insurance Guaranty Fund?
Explanation: All insurers that write types of insurance that are
A) All insurers that write the types of protected by the fund are required to be member insurers of
insurance that are protected by the fund in the fund. Reference: State Supplement in the License Exam
Arizona Manual.
B) Foreign property and casualty insurers
only Reference: 4.4.16.3 in the License Exam Manual
C) lien property and casualty insurers only
D) All insurers that write insurance in
Arizona, including life and health insurers
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Personal
Exam
Lines
Questions
Insurance
andPractice
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Personal
Exam
Latest
Lines
Questions
2026_2027
Insurance
andVersion.pdf
Practice
AnswersExam
LatestQuestions
2026_2027andVersion.pdf
Answers Latest 2026_2027 Version.pdf
Personal Lines Insurance Practice
Exam Questions and Answers Latest
2026/2027 Version
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Personal Lines Insurance Practice
Personal
Exam
Lines
Questions
Insurance
andPractice
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Personal
Exam
Latest
Lines
Questions
2026_2027
Insurance
andVersion.pdf
Practice
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LatestQuestions
2026_2027andVersion.pdf
Answers Latest 2026_2027 Version.pdf
,Personal Lines Insurance Practice Exam.pdf Personal Lines Insurance Practice Exam.pdf Personal Lines Insurance Practice Exam.pdf
Bobby, age 16, borrows his parents' car D) Bobby is covered by his parents' policy because he is a
without their permission and gets into an family member.
accident. Which of the following statements
about coverage under the parents' personal Explanation: Bobby is a family member and thus automatically
auto policy is CORRECT? is covered under the family's PAP policy. Even though Bobby
is using the car without permission, the exclusion pertaining to
A) Bobby is covered by his parents' policy nonpermissive users does not apply to use of an owned auto
because he is included in the definition of policy by resident family members.
named insured.
B) Bobby is not covered for this accident Reference: 8.7.2 in License Exam Manual
because he used the car without permission.
C) Bobby is not covered because it was not
his car.
D) Bobby is covered by his parents' policy
because he is a family member.
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,Personal Lines Insurance Practice Exam.pdf Personal Lines Insurance Practice Exam.pdf Personal Lines Insurance Practice Exam.pdf
A parking valet at a hotel uses a guest's car C) subrogate against the parking valet
to do a personal errand and damages the
car in a collision. The guest has a personal Explanation: Part-D coverage for Damage to Your Auto of the
auto policy (PAP). The insurance company PAP contains a no benefit to bailee provision. This provision
will pay the claim and ____. states that a carrier or other bailee for hire, such as a parking
gar5age, service station, or moving company will not directly
A) relieve the parking valet of legal liability or indirectly benefit from the PAP's insurance. A bailee is an
for the loss individual or entity that assumes possession of goods owned
B) subrogate against the named insured by another for the purpose of transporting, servicing, or
C) subrogate against the parking valet storing them. When temporary custody is assumed, the bailee
D) recover any additional loss from the becomes legally liable for the goods.
lienholder
Reference: 8.7.2 in the License Exam Manual
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, Personal Lines Insurance Practice Exam.pdf Personal Lines Insurance Practice Exam.pdf Personal Lines Insurance Practice Exam.pdf
Who of the following are required to be A) All insurers that write the types of insurance that are
members of the Arizona Property and protected by the fund in Arizona
Casualty Insurance Guaranty Fund?
Explanation: All insurers that write types of insurance that are
A) All insurers that write the types of protected by the fund are required to be member insurers of
insurance that are protected by the fund in the fund. Reference: State Supplement in the License Exam
Arizona Manual.
B) Foreign property and casualty insurers
only Reference: 4.4.16.3 in the License Exam Manual
C) lien property and casualty insurers only
D) All insurers that write insurance in
Arizona, including life and health insurers
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