Quiz 1 Day 2 Personal Lines
Quiz by Brian Morton
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11 questions
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- Q1The wind blows a door open hitting a child and knocking him into a table. A lamp on the table falls off causing injury to the child. Which of these is the proximate cause?Lamp hits child causing injuryWind blows the door openLamp falling off tableDoor hitting the child60s
- Q2A home burns and has so much damage it is unlivable. The insured must rent a place to live until the home is repaired, the cost of the rent is?Indirect lossConsequential lossDirect lossContingent loss60s
- Q3Which of these is an indirect cause of loss?Fire damageWater damage caused by firemen putting out a fireFire truck hits a car on the way to a fireWater damage to the next-door house to prevent the fire spreading60s
- Q4When the insurer agrees to pay the full cost of the repairs without a deduction for depreciation that would be what type of loss valuation?Market ValueAgreed ValueReplacement CostActual Cash Value60s
- Q5A Homeowners policy that uses actual cash value would determine the claim payment on a loss how?Cost to replace or repair the damaged property at today’s valueA stated value listed in the policyReal cost minus depreciationReplacement cost minus depreciation60s
- Q6A property has obsolete parts damaged by a covered peril. How will the claim be paid?Depreciated valueActual cash valueFunctional replacement costReplacement cost60s
- Q7When a person fails to use the same degree of care a reasonable person would use causing damages to a third party that would be called?LiabilitySubrogationOccurrenceNegligence60s
- Q8Which of these would be an example of vicarious liability?A neighbor falls and gets hurt on your propertyYour spouse punches someone causing bodily injuryYour child bites another kidYou hit someone with your car60s
- Q9Which of these would be considered Absolute Liability?Dog ownershipPet tiger ownershipA neighbor falls on your propertyAuto accident60s
- Q10The maximum amount of protection provided for a particular type of coverage is referred to as the?Per occurrence limitLimit of liabilityMaximum limitRestoration limit60s
- Q11Which of these would be considered liability for you?Bodily injury to you when you hit another carProperty damage to your own vehicle when you hit another carPersonal injury to you because you hit another carBodily injury to the person you hit with your car60s