Perils Study guides, Class notes & Summaries
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![NC Personal Lines License Exam With All Correct Answers 2024.](/docpics/5088170/66281ed7575a0_5088170_121_171.jpeg)
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NC Personal Lines License Exam With All Correct Answers 2024.
- Exam (elaborations) • 4 pages • 2024
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DP-1 - Answer Basic Form Perils 
 
DP-2 - Answer Broad Perils 
 
DP-3 - Answer Special Form (All Risk Of Perils) 
 
DP Coverage A - Answer Dwellings (Direct Loss) 
 
DP Coverage B - Answer Other Structures/Appurtenants (Direct Loss) 
 
DP Coverage C - Answer Personal Property (Direct Loss) 
 
DP Coverage D - Answer Fair Rental Value (Indirect Loss) 
 
DP Coverage E - Answer Additional Living Expenses (Indirect Loss) 
 
What is the Deductible unless for Coverage D and E and Fire S...
![Alabama AdjusterPro Exam for P&C with WC and Crop (2023)](/docpics/6401d6c00d7ea_2431647.jpg)
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Alabama AdjusterPro Exam for P&C with WC and Crop (2023)
- Exam (elaborations) • 50 pages • 2023
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Alabama AdjusterPro Exam for P&C with WC and Crop (2023) 
 
 
 Alabama AdjusterPro Exam for P&C with WC and Crop (2023) 
1: Incorrect	Indemnification may include all of the following except: 
		reimbursement for hotel costs. 
		 
		reimbursement for rental car costs. 
		 
	Answer Given	payment for repairs to property. 
		 
Actual 
Answer		payment for pain and suffering. 
		 
2: Correct	What is a reserve, in insurance terms? 
		The amount of revenue that the insurer sets aside to pay employee s...
![Commercial Lines 101 CE Questions and Answers 2024](/docpics/5297353/664354b5ee32e_5297353_121_171.jpeg)
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Commercial Lines 101 CE Questions and Answers 2024
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Commercial Lines 101 CE Questions and 
Answers 2024 
Insurer - Answer -The insurance company 
Named Insured/Insured - Answer -The policyholder 
Financial Definition of Insurance - Answer -A financial agreement involving the redistribution of financial 
losses 
Legal Definition of Insurance - Answer -A contractual agreement in which one party (the insurer) agrees 
to compensate or indemnify another party (the insured) for fortuitous losses 
Loss Pooling - Answer -the sharing of total losses susta...
![Texas Property & Casualty Insurance License Exam With Accurate Answers 2023](/docpics/3373830/64f6d760e14fd_3373830_121_171.jpeg)
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Texas Property & Casualty Insurance License Exam With Accurate Answers 2023
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Texas Property & Casualty Insurance License Exam with Accurate Answers 2023 
 
In order to be considered legally binding, an insurance contract must include all of the following - Offer and acceptance. 
Competent parties. 
Consideration 
(The four essential elements of all legal contracts are offer and acceptance, consideration, legal purpose, and competent parties.) 
 
With respect to a bonded contractor who defaults on a construction performance contract, which of the following statements is...
![Texas all lines adjuster exam | 378 Questions with 100% Correct Answers | 36 Pages](/docpics/63354ee4a3adb_1993846.jpg)
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Texas all lines adjuster exam | 378 Questions with 100% Correct Answers | 36 Pages
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All of the following are criteria for an accident to have occurred "in the course of" the employment under a workers' compensation policy, EXCEPT: - While performing a task that a fellow worke r requested, that was unusual to the employee's job description, but occurred on the employer's premises during working hours. Which of the following statements is NOT TRUE regarding the implied warranties of an Ocean Marine policy? - The implied warranties are attached to the policy as an endorsement...
![MI Life Insurance Exam FX snapshot Q & A With Complete Solutions](/docpics/3471670/650b497937174_3471670_121_171.jpeg)
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MI Life Insurance Exam FX snapshot Q & A With Complete Solutions
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What is insurance? correct answer: Insurance transfers the risk of loss from an individual or business entity to an insurance company, which in turn spreads the costs of unexpected losses to many individuals. 
 
What is risk? correct answer: Risk is the uncertainty or chance of a loss occurring. 
 
What is peril? correct answer: Perils are the causes of loss insured against in an insurance policy. 
 
What are the elements of insurable risk? correct answer: Loss must be 
1. due to chance 
2....
![California property and casualty exam, Pool Questions & Answers. Verified. Rated A](/docpics/63dd5810dd087_2333246.jpg)
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California property and casualty exam, Pool Questions & Answers. Verified. Rated A
- Exam (elaborations) • 57 pages • 2023
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California property and casualty exam, Pool Questions & Answers. Verified. Rated A 
 
 
 
The process where by a mutul insurer becomes a stock company is called - Demutalization 
 
The process whereby a stock company a mutal insurer is called - Mutalization 
 
The provision in a property policy which states that the insured has been paid up to their insurable interest is - Valuation clause 
 
The part of the policy that states the amout of coverage the insured property policy period is - Declara...
![Texas All Lines Adjuster Exam 2023 Questions and Answers (Graded A)](/docpics/2740395/645f3f163d6dd_2740395_121_171.jpeg)
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Texas All Lines Adjuster Exam 2023 Questions and Answers (Graded A)
- Exam (elaborations) • 36 pages • 2023
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Texas All Lines Adjuster Exam 2023 Questions and Answers (Graded A)Texas All Lines Adjuster Exam 2023 Questions and Answers (Graded A)Texas All Lines Adjuster Exam 2023 Questions and Answers (Graded A) 
 
All of the following are criteria for an accident to have occurred "in the course of" the employment under a workers' compensation policy, EXCEPT: - ANSWER-While performing a task that a fellow worker requested, that was unusual to the employee's job description, but occurred on the employe...
![Michigan Life and Health Final Exam Actual Questions and Answers 100% Correct](/docpics/4833883/66030a1029bc2_4833883_121_171.jpeg)
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Michigan Life and Health Final Exam Actual Questions and Answers 100% Correct
- Exam (elaborations) • 23 pages • 2024
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Michigan Life and Health Final Exam Actual Questions and Answers 100% Correct 
What amount will be paid under a policy where the insured misstated his/her age? ANS-an amount the premium would have purchased at the correct age 
 
the acceptance of a credit life application requires the submission of a certificate of insurance to the insured within_____ days ANS-30 days 
 
which of these is considered to be a Living benefit option in a life insurance policy ANS-Accelerated death benefit 
 
loans o...
![REAL Texas Adjuster Study Guide2023- 2024/ 367 QUESTIONS AND ANSWERS 1.	perils: a cause of property losses under an insurance con- tract ex: windstorm, hurricane, explosion, collapse of build- ing, vandalism, accidental discharge, and theft](/docpics/3153612/64c6033638c0e_3153612_121_171.jpeg)
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REAL Texas Adjuster Study Guide2023- 2024/ 367 QUESTIONS AND ANSWERS 1.	perils: a cause of property losses under an insurance con- tract ex: windstorm, hurricane, explosion, collapse of build- ing, vandalism, accidental discharge, and theft
- Exam (elaborations) • 31 pages • 2023
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REAL Texas Adjuster Study Guide2023- 2024/ 367 QUESTIONS AND ANSWERS 
1.	perils: a cause of property losses under an insurance con- tract ex: windstorm, hurricane, explosion, collapse of build- ing, vandalism, accidental discharge, and theft
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