***Please answer all below questions***

1. Under the Comprehensive Motor Vehicle Insurance Reparations Act (PIP), a person injured in an auto accident

A. is making a claim solely for dental expenses.

B. has experienced a serious injury.

C. suffers from a set list of ailments.

D. attempts to settle the matter with the party's insurer

2. The definition of business under a homeowners pelley includes which of the following?

A. The rendering of home daycare services to a relative of an insured.

B. Providing home daycare services for which no compensation is received,

C. A trade, profession, or occupation engaged in a full-time or part-time or occasion-this,

D. Volunteer activities for which no money is received other than payment for a

3. When trying on wedding rings at a jewelry store, a woman left her engagement ring on the countertop only to return later and find it missing. The women experienced a

A. transfer of risk.

B. hazard

C. Peril.

D. Loss.

4. Which of the following is NOT covered under Part B - Medical Payments Coverage on a personal automobile

A. Pain and suffering.

B. Physical therapy.

C. Dental bills.

D. Ambulance fees.

5. Which of the following Dwelling Policy Endorsements covers a residence that is being built?

A. Promises Liability Endorsement.

B. Dwelling Under Construction Endorsement.

C. Personal Liability Endorsement.

D. Limited Theft Coverage Endorsement.

6. Which of the following is a characteristic of a contract of adhesion?

A. Each party is entitled to rely on others' representations.

B. The insurer agrees to pay a stated sum regardless of loss.

C. The terms must be accepted or rejected in full.

D. The insurer's obligations are dependent upon certain acts of the insured indi

7. Personal property covered under the dwelling special form (DP-3) is covered for perils that are the same as

A. for the dwelling.

B. for other structures.

C. under the dwelling basic form (DP-1).

D. under the dwelling broad form (DP-2).

8. A FAIR Plan Policy contains the same perils as

A. Basic Property insurance

B. Property and Liability Insurance.

C. All Risk Property Insurance.

D. Comprehensive Property and Liability Insurance.

9. Under a personal automobile policy, medical payments coverage insures reasonable medical expenses sus

A. 1 year of the date of the accident.

B. 2 years of the date of the accident.

C. 3 years of the date of the accident.

D. 4 years of the date of the accident.

10. Which of the following Dwelling Policy Endorsements covers a residence that is being built?

A. Promises Liability Endorsement.

B. Dwelling Under Construction Endorsement.

C. Personal Liability Endorsement.

D. Limited Theft Coverage Endorsement.

11. Which of the following is a characteristic of a contract of adhesion?

A. Each party is entitled to rely on others' representations.

B. The insurer agrees to pay a stated sum regardless of loss.

C. The terms must be accepted or rejected in full.

D. The insurer's obligations are dependent upon certain acts of the insured indi

12. Personal property covered under the dwelling special form (DP-3) is covered for perils that are the same as

A. for the dwelling.

B. for other structures.

C. under the dwelling basic form (DP-1).

D. under the dwelling broad form (DP-2).

13. Which of the following individuals is REQUIRED to be licensed as an insurance consultant in the State of New York

A. An insurance company officer or director.

B. An employee working for an independent insurance agency performing non-insurance duties

C. An outside investor in an insurance agency.

D. A person providing insurance advice to an applicant for a foo.

14. Under a Homeowners Policy, which of the following perils can be covered by endorsement?

A. Corrosion.

B. War.

C. Earthquake.

D. Inherent vice.

15. Under New York Personal Injury Protection Coverage, medical expenses may be continued If it is established

A. 30 days.

B. 6 months,

C. 1 year.

D. 2 years.

16. The entity that has the power to revoke a producer's insurance license is the

A. insurer.

B. local agency.

C. Department of Insurance.

D. National Association of Insurance Commissioners (NAIC).

17. The location where coverage under a policy applies is referred to as the policy

A. jacket.

B. provisions.

C. territory.

D. vicinity.

18. Xxxx floater, without optional breakdown coverage, provides open peril coverage against which of the following?

A. xxx that is in the insureds care or custody

B. xxx by carelessness

C. interruption coverage

D. the course of installation or repair

19. When trying on wedding rings at a jewelry store, a woman left her engagement ring on the countertop only to return later and find it missing. The woman experienced a

A. transfer of risk

B. hazard

C. peril

D. loss