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| Section | Weight | Objectives |
|---|---|---|
| Medical Reports and Terminology | 4% | - Injuries, Diseases and Medical Tests
|
| Insurance Regulation | 6% | - Licensing Requirements
|
| Adjusting Losses | 11% | - Claim Settlement
|
| Commercial Package Policy | 38% | - Transportation Coverages
|
| Homeowners Policy | 10% | - Perils, Exclusions and Conditions
|
| Dwelling Policy | 6% | - Property Coverages
|
| Insurance Basics | 6% | - Insurance Contracts
|
| Personal Inland Marine | 13% | - Personal Property Floater
|
| Accident and Health Insurance Basics | 6% | - Limited Policies
|
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NEW QUESTION # 46
Which of the following exposures would be necessary to purchase a garage coverage form?
Answer: B
Explanation:
The correct examination answer is D - Franchise auto dealer. The traditional ISO Garage Coverage Form was developed specifically for automobile dealerships and related garage operations because such businesses combine exposures arising from owned autos, customers' autos, premises operations, products/completed operations, and automobile liability.
Under the legacy Garage Coverage Form used in the Series 17-70 commercial-auto syllabus, franchised and nonfranchised automobile dealerships are classic eligible garage operations. The Series 17-70 outline expressly identifies the Garage Coverage Form, Garagekeepers Coverage, liability coverage, physical damage, exclusions, conditions, and definitions as tested commercial-auto subjects.
A moving company is ordinarily handled through commercial auto/motor-carrier arrangements. An auto-parts store does not automatically create the combined dealership exposure contemplated by a garage form. A purely self-service carwash also does not present the same dealer exposure identified by the question.
There is an edition issue worth understanding: ISO replaced the dealer portion of the older CA 00 05 Garage Coverage Form with the modern CA 00 25 Auto Dealers Coverage Form beginning with its 2013 commercial- auto revision. Current Auto Dealers eligibility expressly includes franchised automobile dealerships. The Series 17-70 outline, however, explicitly tests the 2010 commercial-auto Garage form.
Therefore, for this examination, D is correct.
NEW QUESTION # 47
Steve was involved in an automobile accident. He does NOT agree with the settlement offer by the insurer. Which common policy provision allows Steve to dispute the settlement offer?
Answer: C
Explanation:
The correct answer is D - Arbitration. Arbitration is a dispute-resolution mechanism in which a disagreement is submitted to a neutral arbitrator or arbitration panel rather than being resolved solely through continued negotiations between the parties. Depending on the insurance coverage and policy provision involved, arbitration may be used to resolve specified disputes concerning entitlement to recovery, damages, or other issues identified in the contract or applicable law.
The question states that Steve rejects the insurer's settlement offer and asks which common policy provision provides a mechanism for disputing the settlement. Of the available choices, arbitration is the only recognized dispute-resolution provision.
A preferred settlement is not a standard policy dispute mechanism. A competitive bid is an estimating or procurement technique and does not determine contractual disputes between an insured and insurer. A market value clause concerns valuation methodology and does not itself create a formal procedure for resolving a contested settlement.
An adjuster must also distinguish arbitration from appraisal. Appraisal is commonly designed to resolve disputes solely over the amount of property loss, whereas arbitration can address disputes according to the scope established by the applicable contract or statute.
Series 17-70 reference topics: Auto Insurance - Claim Settlement, Arbitration, Appraisal, Loss Valuation, and Dispute Resolution.
NEW QUESTION # 48
The insured under a property policy has placed $100,000 of stock in storage. The stock is damaged by a covered cause of loss. What policy provision assures that the storage facility will NOT collect any claim payment?
Answer: B
Explanation:
The correct answer is C - No benefit to bailee. A bailee is a person or organization that temporarily has possession or custody of another person's property. A commercial storage facility holding the insured's stock is therefore functioning as a bailee.
The commercial property condition commonly called No Benefit to Bailee prevents the insurance purchased by the property owner from directly or indirectly benefiting a person or organization merely because that party has custody of the covered property. Court decisions quoting standard commercial property wording state that a person or organization having custody of covered property does not benefit from the insured's property insurance.
The provision preserves the insurer's ability, where appropriate, to pursue recovery against a negligent bailee after paying the insured. Without such wording, a bailee might attempt to rely on the owner's insurance as protection against its own responsibility.
Liberalization automatically broadens coverage when specified policy changes occur. A mortgage clause protects qualifying mortgagees. Assignment concerns transfer of policy rights and generally requires insurer consent.
The Series 17-70 outline tests Commercial Property Conditions, Covered Property, loss conditions, subrogation concepts, and common policy provisions.
Thus, C is the precise answer.
NEW QUESTION # 49
The liability section of a businessowners policy (BOP) covers which of the following?
Answer: A
NEW QUESTION # 50
A deli customer died from food poisoning because the chicken salad was not prepared correctly. Which type of loss is this an example of?
Answer: D
Explanation:
The correct answer is A - Bodily injury. Commercial General Liability terminology defines "bodily injury" broadly to include bodily injury, sickness, or disease sustained by a person, including death resulting from any of these. Food poisoning from improperly prepared chicken salad constitutes sickness or disease affecting a person's body; because the customer dies as a result, the resulting death remains within the bodily-injury definition.
This scenario may also implicate the products-completed operations hazard, because the allegedly defective or contaminated food caused injury after being provided to the customer. Nevertheless, the question asks for the type of loss, not which CGL hazard classification applies. The loss is therefore bodily injury.
Property damage refers to physical injury to tangible property or qualifying loss of use and does not describe injury or death to a human being. "Health injury" is not the standardized CGL category used for this coverage.
Personal and advertising injury concerns specifically defined offenses such as false arrest, malicious prosecution, wrongful eviction, certain privacy violations, and specified publication-related offenses-not physical illness from contaminated food.
The Series 17-70 outline expressly covers CGL bodily injury and property damage liability, premises and operations, and products-completed operations.
NEW QUESTION # 51
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