EXAMFX LIFE AND HEALTH EXAM NEWEST ACTUAL EXAM COMPLETE 300 QUESTIONS AND CORRECT DETAILED ANSWERS (VERIFIED ANSWERS) ALREADY GRADED A+.pdf

Guarantee ExamFX, Idaho Personal Lines Simulation Exam
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sonal Lines Simulation Exam
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, Guarantee ExamFX, Idaho Personal Lines Simulation Exam
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1. In the last 72 hours, there were 3 instances of volcanic eruptions that damag
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ed a property covered by a dwelling policy. How many deductibles will the insu
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red have to pay before the policy covers the damages caused by the
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eruptions?

1. Zero

2. One

3. Two

4. Three: one
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2. In a personal auto policy (PAP), a covered auto includes all of the following
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EXCEPT

1. A trailer owned by the insured.
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2. A farm implement being towed behind the insured's pickup.
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3. A nonowned temporary substitute vehicle.
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4. A van used in the delivery business.: A van used in the delivery business.
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, Guarantee ExamFX, Idaho Personal Lines Simulation Exam
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3. Which of the following would NOT be covered as a loss under Coverage D of
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a homeowners policy?
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1. An insured has an apartment in his home. The tenant's negligence started
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a fire, and the apartment was not fit to live in for 4 months while repairs were b
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eing completed. n




2. After a fire in a building next to the insured's home, the insured could not
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occupy his home, and had to stay at a motel for one week.
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3. An insured's home is damaged by fire. The insured incurs expenses for li
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ving in a motel and having meals in a restaurant while repairs are made.
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4. An insured leased a dwelling for 5 years. Two years later, the property ow
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ner died, and the new property owners wanted to make the property their princ
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ipal residence, so the lease was canceled.: An insured leased a dwelling for 5 yea
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rs. Two years later, the property owner died, and the new property owners wanted to
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make the property their principal residence, so the lease was canceled.
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4. An insurance policy form that lists specific covered perils provides
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, Guarantee ExamFX, Idaho Personal Lines Simulation Exam
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1. Special peril coverage. n n




2. Blanket coverage. n n




3. Named peril coverage. n n




4. Open peril coverage.: Named peril coverage.
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5. An insured is injured while driving his own car. Which of the following cover
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ages will pay for the loss?
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1. Part A-Liability n




2. Part B - Medical Payments
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3. Part C - Uninsured Motorist
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4. Part D-Damage to Your Auto: Part B - Medical Payments
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6. An insured believes that his insurer is not properly fulfilling its obligations r
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egarding his policy. What section of the policy will give the insured more infor
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mation about specific duties of the insurer?
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1. Obligations

2. Conditions

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