TPCI - Tennessee Property and Casualty Insurance Exam

Question 1: A civil wrong other than a breach of contract, one that unfairly causes another person to suffer loss or harm and creates legal liability for the wrongdoer who committed the act, is best described by which of the following terms?

Negligence

Proximate cause

A tort

Absolute liability

Question 2: Before a court will find a driver liable for an unintentional injury, four conditions must all be present, including a duty owed, a breach of that duty, and proximate cause. Which of the following completes this required list?

Actual damages

A written contract

Criminal intent

An insurance policy

Question 3: Under Part A of the personal auto policy, coverage extends to the named insured and resident relatives using any auto, and also to another category of driver operating the covered auto with permission. Which of the following describes that additional insured?

Only licensed household members

Any auto repair employee

Passengers riding in the vehicle

A permitted borrower of the car

Question 4: In a few states, an injured claimant who contributed to her own harm in any degree, even slightly, is completely barred from recovering damages from another at-fault party. Which of the following legal doctrines produces this all-or-nothing result?

Comparative negligence

Contributory negligence

Assumption of risk

Last clear chance

Question 5: A customer slips on a freshly waxed floor inside a Knoxville hardware store, and separately a store employee damages a homeowner's countertop while delivering an appliance. Which of the following commercial general liability exposures covers both of these situations?

Products and completed operations

Contractual liability

Premises and operations

Fire legal liability

Question 6: After a collision near Murfreesboro, a court determines the injured driver was twenty-five percent responsible for her own losses and reduces her recovery by that same proportion, allowing her to collect the remainder. Which of the following doctrines was applied?

Comparative negligence

Contributory negligence

Vicarious liability

Assumption of risk

Question 7: One coverage in the personal auto policy pays reasonable medical and funeral expenses for the insured, family members, and passengers hurt in a covered auto, regardless of who caused the accident, if incurred within three years. Which coverage is described?

Part A liability coverage

Part C uninsured motorists

Part D physical damage

Part B medical payments

Question 8: A quarterback injured by a hard but legal tackle during a football game cannot recover damages from the opposing player, because he voluntarily and knowingly took part in the dangerous activity. Which defense against negligence does this illustrate?

Intervening cause

Assumption of risk

Comparative negligence

Statute of limitations

Question 9: An investigator examines a Chattanooga warehouse and finds pry marks on a forced rear door where an intruder entered overnight and removed inventory, with clear evidence of forcible entry required. Which of the following crimes does this best describe?

Robbery

Mysterious disappearance

Burglary

Extortion

Question 10: A nightclub performer keeps several boa constrictors for his act, and despite careful precautions one escapes and injures a child. He may be held responsible even without any proven negligence. Which of the following principles imposes this liability?

Absolute liability

Vicarious liability

Comparative negligence

Contributory negligence

Question 11: A Nashville marketing firm is sued by a competitor after it posted false and damaging statements about the rival on social media, with the lawsuit alleging both libel and slander. Which of the following commercial general liability coverages responds to these offenses?

Coverage A bodily injury

Coverage B advertising injury

Coverage C medical payments

Fire legal liability

Question 12: A lumberyard delivery driver negligently causes a crash that injures two pedestrians while driving the company truck on company time. The employer becomes legally responsible along with the driver. Which of the following describes the employer's responsibility here?

Absolute liability

Contributory negligence

Vicarious liability

Assumption of risk

Question 13: For personal auto policies issued or renewed in Tennessee after the end of two thousand twenty-two, state law sets minimum liability limits a driver must carry. Which of the following correctly states those minimum split limits in thousands?

Twenty-five, fifty, and twenty-five

Twenty-five, fifty, and fifteen

Fifteen, thirty, and ten

Fifty, one hundred, and fifty

Question 14: At trial, evidence shows a manufacturer knew from its own testing that a fuel tank could burst into flames yet refused an inexpensive fix. The court awards an amount meant to punish and deter such conduct. Which damages are these?

Special compensatory damages

General compensatory damages

Nominal damages

Punitive damages

Question 15: Part C of the personal auto policy responds when the insured suffers bodily injury caused by a specific type of at-fault driver. Which of the following situations best fits the policy's definition of an uninsured motor vehicle under this coverage?

A driver carrying excess coverage

A hit-and-run driver who flees

The insured's own parked car

A fully insured at-fault driver

Question 16: After an icy-highway crash near Johnson City, an injured motorist claims medical expenses, lost wages, and the cost to repair his car. These direct and specifically provable monetary losses are best classified as which of the following damages?

Punitive damages

General compensatory damages

Special compensatory damages

Nominal damages

Question 17: Liability policies commonly refuse to pay for several categories of loss. Which of the following is a standard exclusion found across most liability policies, leaving the loss for the insured to bear or for another coverage form entirely?

Damage to property the insured owns

A neighbor's bodily injury claim

Third-party property damage liability

A guest injured by negligence

Question 18: Under Coverage A of the commercial general liability form, bodily injury or property damage must be caused by an occurrence in order to be covered. Which of the following best matches how the policy defines the term occurrence?

Any deliberate act by management

A written demand for money

A claim first reported in writing

An accident, including continuous exposure

Question 19: A Tennessee insured carrying underinsured motorists coverage is badly hurt by an at-fault driver whose liability limit is lower than the insured's actual bodily injury damages. Which of the following best describes what underinsured motorists coverage pays in this situation?

The insured's entire damages regardless

The gap above the other limits

Nothing once liability coverage exists

Double the at-fault driver's limit

Question 20: A customer bites into a bakery's packaged cream puff at home days after purchase and is injured by spoiled filling. The product had left the bakery and was in the customer's possession. Which commercial general liability exposure applies?

Premises and operations

Contractual liability

Products and completed operations

Fire legal liability

TPCI Tennessee Property and Casualty Insurance Exam - Set 4 - Part 1

Question 1: A civil wrong other than a breach of contract, one that unfairly causes another person to suffer loss or harm and creates legal liability for the wrongdoer who committed the act, is best described by which of the following terms?

Question 2: Before a court will find a driver liable for an unintentional injury, four conditions must all be present, including a duty owed, a breach of that duty, and proximate cause. Which of the following completes this required list?

Question 3: Under Part A of the personal auto policy, coverage extends to the named insured and resident relatives using any auto, and also to another category of driver operating the covered auto with permission. Which of the following describes that additional insured?

Question 4: In a few states, an injured claimant who contributed to her own harm in any degree, even slightly, is completely barred from recovering damages from another at-fault party. Which of the following legal doctrines produces this all-or-nothing result?

Question 5: A customer slips on a freshly waxed floor inside a Knoxville hardware store, and separately a store employee damages a homeowner's countertop while delivering an appliance. Which of the following commercial general liability exposures covers both of these situations?

Question 6: After a collision near Murfreesboro, a court determines the injured driver was twenty-five percent responsible for her own losses and reduces her recovery by that same proportion, allowing her to collect the remainder. Which of the following doctrines was applied?

Question 7: One coverage in the personal auto policy pays reasonable medical and funeral expenses for the insured, family members, and passengers hurt in a covered auto, regardless of who caused the accident, if incurred within three years. Which coverage is described?

Question 8: A quarterback injured by a hard but legal tackle during a football game cannot recover damages from the opposing player, because he voluntarily and knowingly took part in the dangerous activity. Which defense against negligence does this illustrate?

Question 9: An investigator examines a Chattanooga warehouse and finds pry marks on a forced rear door where an intruder entered overnight and removed inventory, with clear evidence of forcible entry required. Which of the following crimes does this best describe?

Question 10: A nightclub performer keeps several boa constrictors for his act, and despite careful precautions one escapes and injures a child. He may be held responsible even without any proven negligence. Which of the following principles imposes this liability?

Question 11: A Nashville marketing firm is sued by a competitor after it posted false and damaging statements about the rival on social media, with the lawsuit alleging both libel and slander. Which of the following commercial general liability coverages responds to these offenses?

Question 12: A lumberyard delivery driver negligently causes a crash that injures two pedestrians while driving the company truck on company time. The employer becomes legally responsible along with the driver. Which of the following describes the employer's responsibility here?

Question 13: For personal auto policies issued or renewed in Tennessee after the end of two thousand twenty-two, state law sets minimum liability limits a driver must carry. Which of the following correctly states those minimum split limits in thousands?

Question 14: At trial, evidence shows a manufacturer knew from its own testing that a fuel tank could burst into flames yet refused an inexpensive fix. The court awards an amount meant to punish and deter such conduct. Which damages are these?

Question 15: Part C of the personal auto policy responds when the insured suffers bodily injury caused by a specific type of at-fault driver. Which of the following situations best fits the policy's definition of an uninsured motor vehicle under this coverage?

Question 16: After an icy-highway crash near Johnson City, an injured motorist claims medical expenses, lost wages, and the cost to repair his car. These direct and specifically provable monetary losses are best classified as which of the following damages?

Question 17: Liability policies commonly refuse to pay for several categories of loss. Which of the following is a standard exclusion found across most liability policies, leaving the loss for the insured to bear or for another coverage form entirely?

Question 18: Under Coverage A of the commercial general liability form, bodily injury or property damage must be caused by an occurrence in order to be covered. Which of the following best matches how the policy defines the term occurrence?

Question 19: A Tennessee insured carrying underinsured motorists coverage is badly hurt by an at-fault driver whose liability limit is lower than the insured's actual bodily injury damages. Which of the following best describes what underinsured motorists coverage pays in this situation?

Question 20: A customer bites into a bakery's packaged cream puff at home days after purchase and is injured by spoiled filling. The product had left the bakery and was in the customer's possession. Which commercial general liability exposure applies?

Need Guaranteed Results?