Personal Lines exam topics

Showing 41 to 50 of 352 articles · Page 5 of 36

• Owned Autos Under a Personal Auto PolicyAn owned auto is generally a vehicle owned by the named insured or household person as defined by the policy, but the declarations and definitions det…
• Homeowners Personal Liability CoverageHomeowners personal liability coverage can protect an insured when the insured becomes legally liable for covered bodily injury or property damage, su…
• Non-Owned Auto CoverageA personal auto policy may extend selected coverage to a non-owned auto, such as a borrowed private passenger car, when its definitions and use condit…
• Hired Autos in Personal Auto CoverageA personal auto policy may extend liability and, if purchased and defined to apply, physical-damage coverage to some rental or hired cars, but the wor…
• Homeowners Medical Payments to OthersMedical Payments to Others, often Coverage F, can pay limited medical expenses for certain accidental injuries to eligible people, subject to the home…
• Homeowners Named Perils vs. Open PerilsNamed-peril coverage applies when a cause of loss appears in the policy’s covered list; open-peril coverage starts with direct physical loss to covere…
• Temporary Substitute AutosA temporary substitute auto is generally a vehicle used in place of a covered auto while it is out of normal use because of breakdown, repair, servici…
• Homeowners Water Damage vs. Flood ExclusionsHomeowners coverage often distinguishes sudden accidental water discharge inside a home from gradual leakage and flood. A burst pipe may be covered wh…
• Newly Acquired Autos and Automatic CoverageTexas personal auto policies must define certain newly acquired vehicles under Insurance Code §1952.059. For qualifying autos, insurer notice is gener…
• Homeowners Windstorm and Hail CoverageWind and hail may be included in a Texas homeowners policy, but coverage can be excluded, separately insured, or subject to a special deductible, espe…