Personal Lines FINAL EXAM (2025) ACTUAL EXAM (TESTING REAL EXAM QUESTIONS) AND VERIFIED ANSWERS (MULTIPLE CHOICES) |COMPLETE SOLUTIONS |A+ GRADED |100% CORRECT!!

5/22/25, 4:53 PM Personal Lines FINAL EXAM (2025) ACTUAL EXAM (TESTING REAL EXAM QUESTIONS) AND VERIFIED ANSWERS (MULTIPL…




Personal Lines FINAL EXAM (2025) ACTUAL
EXAM (TESTING REAL EXAM QUESTIONS) AND
VERIFIED ANSWERS (MULTIPLE CHOICES)
|COMPLETE SOLUTIONS |A+ GRADED |100%
CORRECT!!

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Terms in this set (100)


What part of the policy C) Conditions
lists the rules, duties, and
obligations of the insured
and insurer?
A) Declarations Page
B) Insuring Agreement
C) conditions
D) exclusions

The directive that states D) cease and desist order
the violation committed
and requires an agent to
stop the illegal acitivity is
called:
A) show cause order
B) subpoena
C) tort
D) cease and desist order




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Extended Coverage (EC) D) vandalism
include all of the following
perils, EXCEPT:
A) wind
B) riot
C) smoke
D) vandalism

A device which is used to Deductible
minimize small nuisance
claims, lower insurance
premiums, and reduce
morale hazards is called:
A) arbitration
B) deductible
C) valued policy
D) coinsurance

All of the following perils A) Inherent vice
are covered, in a
PERSONAL ARTICLES
FLOATER (PAF), EXCEPT:
A) inherent vice
B) flood
C) Earthquake
D) theft




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The policyholder has a B) $300,000
liability of $300,000 and
caused an accident
injuring one person in the
amount of $250,000 and
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

Eligible vehicles are D) a truck used to make deliveries
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
D) a truck used to make
deliveries

What is the deductible in B) $200
an UNINSURED
MOTORIST CLAIM?
A) $100
B) $200
C) $250
D) $500




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In order for an insurer to A) At the time the loss occurs
meet their obligation to an
insured, "insurable
interest" must exist:
A) At the time the loss
occurs
B) At the time the
application is made for the
insurance
C) At the time of
application or at the time
of loss
D) at the time of
application and at the time
of loss

A customer's response to D) Representation
a question to the best of
their knowledge or belief
is called:
A) warranty
B) Material fact
C) Misrepresentation
D) Representation

In Virginia, A NAMED D) Not available on an auto policy
DRIVER EXCLUSION
(NDE) is:
A) available on all auto
policies
B) Only available by
endorsement
C) Required to exclude
drivers on the policy
D) Not available on an
auto policy




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