CPCL California Property and Casualty license exam - Set 4 - Part 2

Test your knowledge of technical writing concepts with these practice questions. Each question includes detailed explanations to help you understand the correct answers.

Question 21: In California, a household that employs a residence employee such as a housekeeper is generally required to provide which of the following?

Commercial auto coverage

Commercial general liability

Professional liability

Workers' compensation coverage

Question 22: The premium for a homeowners home day care endorsement is generally based on which of the following?

The number of children cared for

The square footage of the home

The insured's credit score

The age of the dwelling

Question 23: Under homeowners Section II, the exclusion for expected or intended injury generally does not apply to an act committed by a child under what age?

Ten

Sixteen

Thirteen

Eighteen

Question 24: Under homeowners Section II, liability for a small owned sailboat under twenty-six feet is handled in which way?

Covered only with a watercraft endorsement

Automatically covered, no endorsement

Never covered

Covered only under auto insurance

Question 25: An insured runs a small piano-teaching studio inside the home and wants liability coverage for it. Which endorsement is appropriate?

The business pursuits endorsement

The personal injury endorsement

The watercraft endorsement

The permitted incidental occupancies endorsement

Question 26: A boatowners policy designed for smaller pleasure boats is written on which kind of marine form?

An inland marine form

An ocean marine form

A commercial liability form

A workers' compensation form

Question 27: A personal yacht policy, used for larger vessels generally twenty-six feet or more, is written on which kind of form?

An inland marine form

A homeowners form

An ocean marine form

A dwelling form

Question 28: On a personal yacht policy, the liability coverage that protects against third-party injury and property damage is known as which of the following?

Hull coverage

Collision coverage

Cargo coverage

Protection and indemnity

Question 29: On a personal yacht policy, how is a partial loss to the hull typically settled?

At actual cash value

At replacement cost without depreciation

At market value

At a percentage of the premium

Question 30: A boatowners policy generally provides coverage only when the boat is used for which of the following purposes?

Private pleasure use

Carrying passengers for a fee

Commercial fishing for profit

Chartered rentals

Question 31: California's Financial Responsibility Law requires every driver and vehicle owner to do which of the following?

Carry only collision coverage

Buy coverage through the state directly

Pay for accidents they cause

Question 32: Under a personal auto policy, which of the following is included within the definition of your covered auto?

A friend's car borrowed for the day

A vehicle used as a taxi

A motorcycle with two wheels

A temporary substitute for a disabled auto

Question 33: Under a California personal auto policy, a person who drives the insured's covered auto with permission is generally treated how?

As an insured for that use

As an excluded driver

As a third-party claimant

As a named insured permanently

Question 34: The standard policy territory of a California personal auto policy includes the United States and Canada but generally excludes which of the following?

Puerto Rico

United States territories

Mexico

Travel between covered ports

Question 35: Under a personal auto policy, an insured who buys an additional vehicle must usually report it to the insurer within how many days to continue coverage?

Four days

Fourteen days

Thirty days

Sixty days

Question 36: Part A of the personal auto policy provides which of the following coverages?

Damage to the insured's own car

The insured's own medical bills

Rental reimbursement

Liability for injury or damage to others

Question 37: Part B of the personal auto policy, medical payments, pays the reasonable medical expenses of covered persons on which basis?

Regardless of who was at fault

Only if the insured was at fault

Only if another driver was at fault

Only after a lawsuit

Question 38: Part C of the personal auto policy responds when the insured is injured by which of the following?

A fully insured at-fault driver

The insured's own negligence alone

An uninsured at-fault driver

A mechanical failure of the car

Question 39: In California, underinsured motorist coverage is triggered when an at-fault driver has liability limits that are which of the following?

Higher than the insured's coverage

Equal to the state minimum

Unknown at the time

Lower than the insured's own coverage

Question 40: Under Part D physical damage, a loss caused by fire, theft, or contact with an animal is covered under which insuring agreement?

Collision

Other than collision

Liability

Medical payments

Don't Want to Study?

Save Time on Studies, Spend More with Family & Friends! Pay-After-you-Pass!

Get Exam Support