PERSONAL LINES CORE EXAMS SET 2026/2027
QUESTIONS AND SOLUTIONS RATED A+
✔✔_________ liability establishes that one can be held legally liable for the acts of
another, such as a principal for the acts of its agents. - ✔✔Vicarious
✔✔A willful, wanton or reckless disregard of the consequences affecting the life or
property of another is the definition of _____ negligence. - ✔✔Gross
✔✔Do specific damages include pain and suffering? - ✔✔No
✔✔_________ damages are damages awarded as punishment for extreme objectional
conduct by a negligent party. - ✔✔Punitive
✔✔Would bodily injury coverage also include a breach of contract? - ✔✔No
✔✔Bodily injury claims may include loss of earnings. True or False? - ✔✔True
✔✔Personal injury includes bodily injury. True or False? - ✔✔False
✔✔The dissemination of any written or printed material tending to unjustly injure a
person's reputation , defines _____. - ✔✔Libel
✔✔A person is obligated to a certain standard of conduct for the protection of others by
legal duty. True or False? - ✔✔True
✔✔When a stairway does not contain enough lighting, the owner has not fufilled the
required standard of care. True or False? - ✔✔True
✔✔_________ ______ is defined as an unbroken, natural and continuous sequence
that produced injury and without which the result would not have occured. -
✔✔Proximate Cause
✔✔____________ negligence, under common law, denies recovery for damages
caused by a negligent party if the claimant was also negligent. - ✔✔Contributory
✔✔_________ defense in liability insurance are determined by the legislature. -
✔✔Statutory
✔✔under __________ negligence, damages are reduced in proportion to the degree of
negligence. - ✔✔Comparative
, ✔✔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
QUESTIONS AND SOLUTIONS RATED A+
✔✔_________ liability establishes that one can be held legally liable for the acts of
another, such as a principal for the acts of its agents. - ✔✔Vicarious
✔✔A willful, wanton or reckless disregard of the consequences affecting the life or
property of another is the definition of _____ negligence. - ✔✔Gross
✔✔Do specific damages include pain and suffering? - ✔✔No
✔✔_________ damages are damages awarded as punishment for extreme objectional
conduct by a negligent party. - ✔✔Punitive
✔✔Would bodily injury coverage also include a breach of contract? - ✔✔No
✔✔Bodily injury claims may include loss of earnings. True or False? - ✔✔True
✔✔Personal injury includes bodily injury. True or False? - ✔✔False
✔✔The dissemination of any written or printed material tending to unjustly injure a
person's reputation , defines _____. - ✔✔Libel
✔✔A person is obligated to a certain standard of conduct for the protection of others by
legal duty. True or False? - ✔✔True
✔✔When a stairway does not contain enough lighting, the owner has not fufilled the
required standard of care. True or False? - ✔✔True
✔✔_________ ______ is defined as an unbroken, natural and continuous sequence
that produced injury and without which the result would not have occured. -
✔✔Proximate Cause
✔✔____________ negligence, under common law, denies recovery for damages
caused by a negligent party if the claimant was also negligent. - ✔✔Contributory
✔✔_________ defense in liability insurance are determined by the legislature. -
✔✔Statutory
✔✔under __________ negligence, damages are reduced in proportion to the degree of
negligence. - ✔✔Comparative
, ✔✔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
