NHPCI - New Hampshire Property and Casualty Insurance

Question 1: A driver buys a replacement vehicle and the personal auto policy automatically extends liability coverage for a short period before the insurer is notified. Which term identifies an auto that qualifies for this automatic protection under the policy's definition of a covered auto?

temporary substitute auto

specifically described auto

non-owned auto

newly acquired auto

Question 2: A policyholder is injured in a covered auto accident and receives payment for medical bills and lost income from her own insurer within days, before fault for the crash has even been determined. Which coverage concept does this payment illustrate?

first-party no-fault benefit

third-party liability payment

subrogation recovery payment

excess coverage payment

Question 3: Under Part A of the personal auto policy, an insurer settles a lawsuit brought against the named insured after a covered accident and also pays for the attorney who represented the insured throughout the case. Which obligation does the second payment reflect?

the duty to indemnify

the duty to cooperate

the duty to defend

the duty to mitigate

Question 4: A covered driver backs into a neighbor's parked car and a fence, causing significant damage to both. Which part of the personal auto policy pays the neighbor for the repair costs to the car and the fence, up to the applicable limit?

collision coverage

other-than-collision coverage

medical payments coverage

property damage liability coverage

Question 5: A named insured is arrested following a covered auto accident and must post a bond to be released while a related traffic charge is pending. Which part of the personal auto policy's liability coverage may pay the cost of that bond, subject to a stated limit?

supplementary payments

property damage liability

uninsured motorists coverage

medical payments coverage

Question 6: A family pulls a small utility trailer they do not own behind their covered auto and the trailer breaks loose, striking another vehicle. Which statement best describes how the personal auto policy's liability coverage treats the non-owned trailer in this situation?

it is entirely excluded from coverage

it is covered only under medical payments

it is treated as a covered auto

it needs a separate policy to attach

Question 7: A passenger riding in a covered auto is injured in a crash the insured driver caused, and the passenger's medical bills are paid promptly by the insured's own insurer without any inquiry into who was at fault. Which coverage part produced this payment?

property damage liability

uninsured motorists coverage

towing and labor coverage

medical payments coverage

Question 8: A hit-and-run driver who cannot be identified strikes a covered auto and flees the scene, leaving no way to pursue that driver's own liability insurer for the damages caused. Which coverage under the personal auto policy is designed to respond to this exact circumstance?

uninsured motorists coverage

underinsured motorists coverage

collision coverage

supplementary payments

Question 9: An identified driver causes a serious injury to a covered insured but that driver's liability limits are far too low to cover the insured's medical bills and lost wages. Which coverage allows the insured to seek the difference from his own insurer, up to his own policy's limit?

uninsured motorists coverage

medical payments coverage

underinsured motorists coverage

collision coverage

Question 10: An insured pursuing an uninsured motorists claim must still establish a specific legal element before her own insurer will pay damages for her injuries, even though the at-fault driver carried no liability insurance. Which element must the insured prove to recover under this coverage?

that she carried collision coverage

that repairs exceeded actual cash value

that she posted a bail bond

the other driver was legally liable

Question 11: A covered auto strikes a guardrail after the driver loses control on a wet road, and the resulting damage to the front of the vehicle is later paid under the physical damage section of the policy. Which coverage responds to this type of loss?

collision coverage

other-than-collision coverage

medical payments coverage

uninsured motorists coverage

Question 12: Overnight, a covered auto parked on the street is damaged when a tree limb falls on the hood during a storm, with no other vehicle involved in the loss. Which physical damage coverage under the personal auto policy would typically pay for this damage?

collision coverage

other-than-collision coverage

liability coverage

towing and labor coverage

Question 13: A covered auto sustains damage in a single-vehicle accident, and the insurer calculates the loss, then subtracts a set dollar amount from the covered repair cost before issuing payment to the insured. Which policy feature describes the amount the insurer subtracts?

the policy limit

the premium

the deductible

the retroactive date

Question 14: Immediately following a covered accident, the named insured contacts her insurer, describes how the crash occurred, and agrees to answer follow-up questions as the claim is investigated. Which general duty under the personal auto policy is the insured fulfilling by taking these steps?

the duty to mitigate property damage

the duty to obtain repair estimates

the duty to notify other drivers

the duty to cooperate with the insurer

Question 15: A named insured drives her covered auto across the border into Canada for a short vacation and is involved in an accident there. Which general provision of the personal auto policy determines whether coverage applies to an accident occurring in that location?

the policy territory provision

the other insurance provision

the assignment provision

the termination provision

Question 16: A covered auto breaks down on the highway and a towing service is called to tow the vehicle to a nearby repair shop and perform minor roadside labor. Which endorsement to the personal auto policy would reimburse the insured for these towing and labor costs?

extended non-owned coverage endorsement

towing and labor endorsement

joint ownership coverage endorsement

rental reimbursement endorsement

Question 17: A contractor operates a fleet that includes owned trucks, vehicles hired from a rental company, and employee vehicles used occasionally on company business. Which single form is designed to combine liability and physical damage protection for this range of business auto exposures in one policy?

the personal auto policy

the garage coverage form

the business auto coverage form

the commercial general liability form

Question 18: A customer slips and falls inside a retail store, suffering an injury the store is later found legally obligated to pay damages for, and the store's general liability insurer pays that judgment on the store's behalf. Which coverage part of the commercial general liability policy applies here?

Coverage B, personal and advertising injury

Coverage C, medical payments

the products-completed operations hazard alone

Coverage A, bodily injury and property damage

Question 19: A manufacturing plant releases the same contaminant into nearby groundwater gradually over several years, and the resulting property damage is not the result of any single, sudden event. Which commercial general liability definition allows this kind of continuous exposure to still qualify as one covered event?

the definition of occurrence

the definition of insured contract

the definition of products-completed operations hazard

the retroactive date provision

Question 20: A business becomes aware that a customer was injured on its premises and, following the terms of its commercial general liability policy, promptly reports the incident to its insurer even though no lawsuit has yet been filed. Which policy condition does this action satisfy?

the other insurance condition

the duty to give prompt notice

the separation of insureds condition

the legal action against insurer condition

NHPCI New Hampshire Property and Casualty Insurance - Set 3 - Part 1

Question 1: A driver buys a replacement vehicle and the personal auto policy automatically extends liability coverage for a short period before the insurer is notified. Which term identifies an auto that qualifies for this automatic protection under the policy's definition of a covered auto?

Question 2: A policyholder is injured in a covered auto accident and receives payment for medical bills and lost income from her own insurer within days, before fault for the crash has even been determined. Which coverage concept does this payment illustrate?

Question 3: Under Part A of the personal auto policy, an insurer settles a lawsuit brought against the named insured after a covered accident and also pays for the attorney who represented the insured throughout the case. Which obligation does the second payment reflect?

Question 4: A covered driver backs into a neighbor's parked car and a fence, causing significant damage to both. Which part of the personal auto policy pays the neighbor for the repair costs to the car and the fence, up to the applicable limit?

Question 5: A named insured is arrested following a covered auto accident and must post a bond to be released while a related traffic charge is pending. Which part of the personal auto policy's liability coverage may pay the cost of that bond, subject to a stated limit?

Question 6: A family pulls a small utility trailer they do not own behind their covered auto and the trailer breaks loose, striking another vehicle. Which statement best describes how the personal auto policy's liability coverage treats the non-owned trailer in this situation?

Question 7: A passenger riding in a covered auto is injured in a crash the insured driver caused, and the passenger's medical bills are paid promptly by the insured's own insurer without any inquiry into who was at fault. Which coverage part produced this payment?

Question 8: A hit-and-run driver who cannot be identified strikes a covered auto and flees the scene, leaving no way to pursue that driver's own liability insurer for the damages caused. Which coverage under the personal auto policy is designed to respond to this exact circumstance?

Question 9: An identified driver causes a serious injury to a covered insured but that driver's liability limits are far too low to cover the insured's medical bills and lost wages. Which coverage allows the insured to seek the difference from his own insurer, up to his own policy's limit?

Question 10: An insured pursuing an uninsured motorists claim must still establish a specific legal element before her own insurer will pay damages for her injuries, even though the at-fault driver carried no liability insurance. Which element must the insured prove to recover under this coverage?

Question 11: A covered auto strikes a guardrail after the driver loses control on a wet road, and the resulting damage to the front of the vehicle is later paid under the physical damage section of the policy. Which coverage responds to this type of loss?

Question 12: Overnight, a covered auto parked on the street is damaged when a tree limb falls on the hood during a storm, with no other vehicle involved in the loss. Which physical damage coverage under the personal auto policy would typically pay for this damage?

Question 13: A covered auto sustains damage in a single-vehicle accident, and the insurer calculates the loss, then subtracts a set dollar amount from the covered repair cost before issuing payment to the insured. Which policy feature describes the amount the insurer subtracts?

Question 14: Immediately following a covered accident, the named insured contacts her insurer, describes how the crash occurred, and agrees to answer follow-up questions as the claim is investigated. Which general duty under the personal auto policy is the insured fulfilling by taking these steps?

Question 15: A named insured drives her covered auto across the border into Canada for a short vacation and is involved in an accident there. Which general provision of the personal auto policy determines whether coverage applies to an accident occurring in that location?

Question 16: A covered auto breaks down on the highway and a towing service is called to tow the vehicle to a nearby repair shop and perform minor roadside labor. Which endorsement to the personal auto policy would reimburse the insured for these towing and labor costs?

Question 20: A business becomes aware that a customer was injured on its premises and, following the terms of its commercial general liability policy, promptly reports the incident to its insurer even though no lawsuit has yet been filed. Which policy condition does this action satisfy?

Need Guaranteed Results?