Free Casualty Insurance Basics Practice Questions
California Casualty Broker-Agent exam (series Casualty) — 143 practice questions.
Subtopics: Fault system, UM offer, Good driver discount, Comparative negligence, Owner vicarious liability, Good driver eligibility, Efficient proximate cause, Willful act, Commercial nonrenewal, Commercial late notice, Commercial cancellation notice, License scope property, License scope casualty, Several liability, Dog bite, Pure comparative calculation, Compensatory damages, Special damages, General damages, Punitive damages, Strict liability, Vicarious liability, Absolute liability, Negligence elements, Proximate cause, Assumption of risk, Accident vs occurrence, Split limits, Combined single limit, Aggregate limit, Duty to defend, Supplementary payments, First named insured, Duties after loss, Other insurance, Underwriting purpose, Rate development, Subrogation condition, Liberalization, Policy territory, Hazard types, Claim settlement options, Cancellation pro rata, Loss payable, No benefit to bailee, Duties assignment, Negligence per se, Res ipsa loquitur, Intervening cause, Terrorism program, Bodily injury defined, Property damage defined, Insured contract, Self-insured retention, Tort defined, Battery, Libel, Nuisance, Trespass, Contributory negligence, Last clear chance, Joint and several liability, Respondeat superior, Attractive nuisance, Reasonable person standard, Burden of proof, Statute of limitations, Duty to mitigate, Nominal damages, Bailment, Hold harmless agreement, Named insured, Additional insured, Sublimit, Erosion of aggregate, Deductible, Loss reserve, IBNR reserve, Loss adjustment expense, Proof of loss, Appraisal clause, Arbitration, Short-rate cancellation, Notice of cancellation, Nonrenewal, Coverage trigger, Defense within limits, Severability of insureds, Premium audit, Retrospective rating, Schedule rating, Earned premium, Certificate of insurance, Split limits application, Intentional torts, Slander, Conversion, Invasion of privacy, Modified comparative negligence, Pure comparative negligence, Comparative negligence calculation, Legal liability sources, Criminal vs civil, Duty of care to entrants, Dram shop laws, Products liability, Occurrence vs claims-made, Claims-made tail, Common policy conditions, Legal action against insurer, Bankruptcy condition, Supplementary payments limits, Cancellation calculation, Limits calculation, Deductible types, Primary and excess, Contribution by equal shares, Contribution by limits, Duty to defend scope, Reservation of rights, Medical payments vs liability, Personal injury vs bodily injury, Claim vs suit, Negligence defenses, Extended reporting period, Retroactive date
Read the Casualty Insurance Basics study guide
Sample questions & answers
1. For automobile liability, California is a:
Tort (at-fault) state
California is a traditional tort (at-fault) state; it does not use a no-fault or PIP automobile system.
2. In California, uninsured motorist coverage on an auto policy must be:
Offered to the insured, who may reject it in writing
California insurers must offer uninsured motorist coverage; the named insured may reject it in writing.
3. Under Proposition 103, a qualified California good driver is entitled to a rate at least:
20% below otherwise
California requires a Good Driver Discount policy rate at least 20 percent below the otherwise applicable rate.
4. In California, when an injured party is partly at fault, recovery is:
Reduced in proportion to the party's own fault
California follows pure comparative negligence, reducing recovery by the claimant's own percentage of fault.
All Casualty Broker-Agent topics
Practice: Casualty Insurance Basics
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
