DeanBeaver3042
7) The Comprehensive Personal Liability policy protects the insured…
7) The Comprehensive Personal Liability policy protects the insured from which of the following exposures?
A) Business pursuits
B) Work related injuries to domestic workers related lawsuits
C) Automobile related lawsuits
D) A cashier’s injury at the insured owned grocery store.
8) All ofthe following activities are excluded from Section E coverage ofthe Comprehensive Personal Liability policy, except
A) Purposefully throwing a rock at the next door neighbor, causing him brain damage
. B) The insured, a surgeon, accidentally botches an operation.
C) The insured’s twelve year-old son kicks in the neighbor’s picture window while cleaning the gutters of the home for day.
D) The insured leases his basement to a woman who operates a beauty salon, which serves hundreds of customers at the location per year.
9) Section F coverage ofthe Comprehensive Personal Liability policy will cover all of the following exposures, except:
A) Activities which are the fault of the insured.
B) Injury caused by a pet owned by the insured.
C) A visitor who became injured entirely by their own fault and through no fault of the insured.
D) Injury caused by nuclear contamination
10) Which of the following statements about Claim Expense under Additional Charges in Coverage F is/are true?
I) Lost earnings are reimbursed up to $50.00 per day.
JI) Interest payments on legal awards are not covered.
III) All covered Claim Expenses are paid supplemental to Coverage E limits.
A) I only B) I and III only C) II and III only D) I, JI and III
11) According to the Damage-to-the-Property -of Others clause, the situation listed below which is most likely to be covered by the insurer is
: A) the 16 year-old son of the insured hits a baseball into a window, but the window is not broken.
B) the 12 year-old daughter of the insured purposefully throws a rock through the neighbor’s window, breaking it and causing $325.00 in damage.
C) The insured, who operates a small fireworks factory in his basement, h a s an accident causing b r o k en windows to a neighbor’s house.
D) The insured’s 10 year-old son accidentally breaks a window in the home of the insured.
12) All of the following are coverages under the personal injury liability endorsement, except:
A) defamation of characte
r B) false imprisonment
C) invading the privacy of another
D) liability assumed under a contract
13) A liability umbrella will do all of the following, except:
A) provide excess coverage amounts on both general liability and automobile liability claims
. B) partially cover the intentional infliction of injury by the insured onto another.
C) offer broader coverage than do the basic contracts of underlying coverage.
D) provide a great deal of coverage at a very modest premium.
14) All of the following are optional endorsements, except
A) Coverage E
B) Premises rented to others
C) Watercraft and snowmobile
D) Umbrella coverage
15) Driver A causes an accident with Driver B. Driver A leaves the scene without providing information as to his identity. Driver B will collect from his insurer under which of the following areas:
A) Auto Liability
B) Uninsured Motorist
C) Physical Damage Coverage
D) Medical Payment
