Endorsements & Optional Coverages第 432 / 474 题
A personal umbrella policy is used to:
a.Add liability limits above the home and auto policies
b.Provide first-dollar liability with no underlying policy
c.Replace the property coverage on the homeowners policy
d.Pay for collision damage to the insured's own vehicle
解析
A personal umbrella policy adds an extra layer of liability limits above the insured's underlying home and auto liability coverage, and it may cover some claims the underlying policies exclude, subject to a self-insured retention. It generally requires the insured to maintain specified underlying limits. It is excess liability protection, not property coverage and not a substitute for underlying insurance.
免费刷完整 474 道题库 — 无需注册。
Own the complete Personal Lines Insurance Producer guide — PDF + EPUB, $19.99 →
同考点相关题目
- 标准HO-3一般排除机动车辆的责任，但有有限的例外。雪地车或ATV在住所外使用时获得保障的最佳方式是？
- 被保人的狗在距家三个街区的公共公园咬伤了一名慢跑者。假设保单对该犬种和既往咬人史无特别除外条款，标准HO E项一般如何赔付？
- A homeowner with a valuable diamond ring worth far more than the policy's jewelry sublimit can obtain full, itemized coverage by adding a:
- On a scheduled personal property endorsement, each article that is listed is:
- A thief takes a $9,000 ring from a home insured on a standard unendorsed form. The most the policy will pay for that ring is:
- An increased special limits endorsement differs from scheduling personal property because it:
最近核对： · 审核流程
PrepPass 团队 · 依据官方资料核对 California Personal Lines Insurance License Exam · 我们如何核对