NYPCL New york Property and Causality license exam - Set 3 - Part 3

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

Question 41: A driver in Queens deliberately rams another vehicle out of anger during a dispute. Why will the personal auto liability coverage not respond to the damage he caused?

Liability covers only parked cars

Property damage is never covered

Only the other driver was insured

Intentional damage is excluded

Question 42: After a covered collision in Rochester, an insurer tells the insured the car must be fixed at the insurer's preferred shop. What does New York law say about this?

The insured may choose the repair shop

The insurer always picks the shop

Repairs must use the cheapest shop

The insured loses coverage by refusing

Question 43: A landscaping company in Westchester owns several work trucks used in its operations. Which type of auto policy is appropriate for insuring this business fleet?

A personal auto policy

A homeowners endorsement

A commercial, or business, auto policy

A tenants form

Question 44: On a business auto coverage form, how does the insured indicate which vehicles are covered for each separate coverage such as liability or collision?

By listing every driver by name

By choosing a single policy limit

By naming the repair shop in advance

By selecting covered-auto designation symbols

Question 45: A New York family drives their insured car on a road trip and asks where the personal auto policy applies. Which area is within the policy's coverage territory?

The United States and Canada

Anywhere in the entire world

Only within New York State

Only the insured's home county

Question 46: A pedestrian in Manhattan is struck and injured by an insured vehicle. Under New York no-fault, whose coverage generally pays the pedestrian's basic economic loss?

The pedestrian's health insurer only

No coverage applies to pedestrians

The no-fault on the striking vehicle

The pedestrian's homeowners policy

Question 47: A new driver in Nassau County asks what the law requires on a basic New York auto policy beyond liability. Which additional coverages are part of the mandatory package?

Collision and comprehensive

Towing and rental reimbursement

Gap and lease coverage

No-fault PIP and uninsured motorist

Question 48: A New York auto policy has been in force for only three weeks when the insurer decides to cancel. During this early period, what may the insurer generally do?

Cancel for almost any non-prohibited reason

Cancel only for nonpayment

Never cancel under any circumstances

Cancel without giving any notice

Question 49: A driver in Buffalo with a poor record cannot find an insurer willing to write coverage in the ordinary market. Which program exists to make coverage available to such drivers?

The state guaranty fund

The federal flood program

A surplus lines association

The New York Automobile Insurance Plan

Question 50: After a collision in Syracuse, an insured asks whether New York no-fault will pay to repair the damage to her own car. What is the correct answer?

Yes, no-fault pays vehicle repairs

Yes, but only half the repair cost

No, no-fault covers bodily-injury loss only

No, because no coverage exists for cars

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