Maryland State Law - Property & Casualty Quiz
- 1.
Under Maryland Insurance Laws, PIP benefits for lost wages are paid at what percentage?
- A.
65%
- B.
75%
- C.
80%
- D.
85%
Correct Answer
D. 85%Explanation
Under Maryland Insurance Laws, PIP benefits for lost wages are paid at 85%. This means that if an individual is injured in an accident and is unable to work, they can receive compensation for 85% of their lost wages through their personal injury protection (PIP) insurance coverage. This is a higher percentage compared to the other options provided, indicating that Maryland law prioritizes providing adequate financial support for individuals who are unable to work due to injuries sustained in an accident.Rate this question:
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- 2.
How many days in advance of proposing to cancel a policy for nonpayment of premium must an insurer give?
- A.
10 days
- B.
20 days
- C.
45 days
- D.
30 days
Correct Answer
A. 10 daysExplanation
An insurer must give a policyholder 10 days' notice in advance before proposing to cancel a policy for nonpayment of premium. This allows the policyholder some time to rectify the situation and make the necessary payment to avoid policy cancellation.Rate this question:
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- 3.
Which is not considered a comprehensive/other than collision loss?
- A.
Hitting a Deer
- B.
Damage from Falling Rocks
- C.
Overturn of a Vehicle
- D.
Vandalism
Correct Answer
C. Overturn of a VehicleExplanation
An overturn of a vehicle is not considered a comprehensive loss because it falls under the category of collision loss. Comprehensive coverage typically includes damages caused by incidents other than collisions, such as hitting a deer, damage from falling rocks, and vandalism. However, an overturn of a vehicle is specifically related to a collision between the vehicle and another object, making it a collision loss.Rate this question:
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- 4.
The Maryland Auto Insurance Fund defines a covered vehicle as Auto, Truck, Van, Mopeds, Motor Scooters and…
- A.
Motorbike
- B.
Quad bike
- C.
Small Aircraft
- D.
Trailer
Correct Answer
D. TrailerExplanation
The Maryland Auto Insurance Fund defines a covered vehicle as Auto, Truck, Van, Mopeds, Motor Scooters, and Trailer. This means that if you have insurance through the Maryland Auto Insurance Fund, your trailer will be covered under the policy.Rate this question:
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- 5.
An Insurance Producer must notify the Insurance Commission of a change to name or address…
- A.
Within 10 days of change
- B.
Within 30 days of change
- C.
Within 24 hours of change
- D.
Within 60 days of change
Correct Answer
B. Within 30 days of changeExplanation
An Insurance Producer is required to inform the Insurance Commission of any changes to their name or address within 30 days of the change. This allows the Commission to update their records and ensure that any communication or documentation is sent to the correct location. It is important for the Producer to promptly notify the Commission to maintain accurate and up-to-date information.Rate this question:
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- 6.
A Person with insurable interest in real property at a fixed location may apply to the Joint Insurance Association for what reason?
- A.
Been unable to obtain Homeowner’s insurance
- B.
Underage
- C.
Not a citizen of the United States
- D.
To Insure a Houseboat.
Correct Answer
A. Been unable to obtain Homeowner’s insuranceExplanation
A person with insurable interest in real property at a fixed location may apply to the Joint Insurance Association if they have been unable to obtain homeowner's insurance. This suggests that the Joint Insurance Association provides an alternative option for individuals who have been denied coverage by other insurance providers.Rate this question:
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- 7.
When terminating a policy or insurance contract, an insurer’s termination notice must…
- A.
Must be Accepted, Signed and Returned by the Insured before the Termination can go into Effect
- B.
Must be in English and Spanish
- C.
State the specific reason for termination
- D.
Must contain a list of other Available Insurers
Correct Answer
C. State the specific reason for terminationExplanation
When terminating a policy or insurance contract, an insurer's termination notice must state the specific reason for termination. This requirement ensures transparency and accountability in the termination process, allowing the insured to understand the grounds on which their policy is being terminated. By providing a specific reason, the insurer is able to communicate any violations or breaches of the policy terms that have led to the termination. This helps to protect the rights and interests of both the insurer and the insured.Rate this question:
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- 8.
PIP coverage as a result of an auto accident pays for incurred medical and…
- A.
Pain & Suffering
- B.
Loss of Services
- C.
Injuries sustained by the Driver's in the other Vehicle
- D.
Funeral Expenses
Correct Answer
B. Loss of ServicesExplanation
PIP coverage, also known as Personal Injury Protection coverage, is a type of insurance that pays for medical expenses and other related costs resulting from an auto accident. Loss of services refers to the compensation for the loss of the injured person's ability to perform household tasks or provide care to their family members. This can include activities such as cooking, cleaning, and childcare. Therefore, PIP coverage would provide financial assistance for the loss of services due to the accident.Rate this question:
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- 9.
Which of the following reasons may NOT be used to withdraw funds from a premium account?
- A.
Payment of claim to an insured
- B.
Refunding of Premium to another Insured
- C.
Purchase of Stocks
- D.
Payment of fees to a Laywer
Correct Answer
A. Payment of claim to an insuredExplanation
The reason "Payment of claim to an insured" may not be used to withdraw funds from a premium account because premium accounts are typically used for depositing and accumulating funds, not for making payments or withdrawals. The purpose of a premium account is to hold the premiums paid by policyholders and to generate interest or investment income for the insurer. The payment of claims to insured individuals is typically done from the insurer's general funds or from a separate claims reserve.Rate this question:
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- 10.
Under the National Flood Insurance Program (NFIP), which of the following does not apply to coverage prohibited?
- A.
Available on a WYO Program
- B.
Subject to a deductible
- C.
Administered under FEMA
- D.
Coverage must be normally dry land
Correct Answer
B. Subject to a deductibleExplanation
This question is asking for the option that does not apply to coverage prohibited under the National Flood Insurance Program (NFIP). The correct answer is "Subject to a deductible." This means that coverage under the NFIP is not subject to a deductible. Deductibles are typically applied to insurance policies to determine the amount that the insured individual must pay out of pocket before the insurance coverage kicks in. However, under the NFIP, coverage is not subject to this deductible requirement.Rate this question:
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- 11.
An Insurer may refuse to issue Property Insurance on a risk location in a certain geographical area of the applicant because…
- A.
A subjective basis and is not arbitray
- B.
An objective basis and is not arbitrary
- C.
A subjective basis and is arbitrary
- D.
An object basis and is arbitrary
Correct Answer
B. An objective basis and is not arbitraryExplanation
The correct answer is "An objective basis and is not arbitrary." This means that the insurer may refuse to issue property insurance on a risk location based on specific and measurable factors, such as the condition of the property or its proximity to potential hazards. The decision is not arbitrary, meaning it is not made randomly or without reason.Rate this question:
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- 12.
Which of the following does the National Flood Insurance Program not provide coverage for?
- A.
Flash Flood
- B.
Tidal Bore
- C.
Tsunami
- D.
Mudslide
Correct Answer
D. MudslideExplanation
The National Flood Insurance Program provides coverage for various types of floods, including flash floods, tidal bores, and tsunamis. However, it does not provide coverage for mudslides. A mudslide is a type of landslide where a mass of mud, rocks, and debris moves rapidly down a slope. While it is related to heavy rainfall and can cause significant damage, it is not included in the coverage provided by the National Flood Insurance Program.Rate this question:
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- 13.
How many employees must an employer have to subject to Maryland’s worker’s compensation laws?
- A.
One
- B.
Five
- C.
Twenty Five
- D.
Thirty
Correct Answer
A. OneExplanation
An employer must have at least one employee to be subject to Maryland's worker's compensation laws. This means that even if there is only one employee working for the employer, they are still required to provide worker's compensation coverage.Rate this question:
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- 14.
A Maryland Auto Insurance Fund (MAIF) producer is REQUIRED to have a bond for the fund of how much?
- A.
$10,000
- B.
$15,000
- C.
$20,000
- D.
$25,000
Correct Answer
A. $10,000Explanation
A Maryland Auto Insurance Fund (MAIF) producer is required to have a bond for the fund of $10,000. This bond serves as a financial guarantee to protect the MAIF and its policyholders in case the producer fails to fulfill their obligations or engages in fraudulent activities. By having a bond in place, the MAIF can ensure that there are sufficient funds available to cover any potential losses or damages caused by the producer's actions.Rate this question:
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- 15.
What is the premium receipt tax charged for surplus lines insurance on all gross premiums?
- A.
1%
- B.
2%
- C.
3%
- D.
5%
Correct Answer
C. 3%Explanation
The premium receipt tax charged for surplus lines insurance on all gross premiums is 3%. This means that for every dollar of gross premiums paid for surplus lines insurance, an additional 3 cents is charged as a tax.Rate this question:
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- 16.
A premium finance company may charge an initial non-refundable service fee of how much?
- A.
$5
- B.
$10
- C.
$15
- D.
$20
Correct Answer
D. $20Explanation
A premium finance company may charge an initial non-refundable service fee of $20. This fee is likely charged to cover administrative costs and ensure that the company is compensated for their services. It is important for customers to be aware of this fee when considering financing options for their premiums.Rate this question:
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- 17.
An insurer fails to provide notice of renewal premium due for a personal lines policy and subsequently the policy premium. The insured has a claim during this time. The Insurer…
- A.
Refuses to pay the claim
- B.
Deducts the premium owed from the claim payout before handling
- C.
Collects premium owed before handling claim
- D.
Will settle the premium owed at a later date
Correct Answer
C. Collects premium owed before handling claimExplanation
The correct answer is "Collects premium owed before handling claim" because the insurer failed to provide notice of renewal premium due for the policy. As a result, the insured has not paid the premium, and the insurer has the right to collect the outstanding premium before handling any claims. This ensures that the insured fulfills their financial obligation before receiving any benefits from the policy.Rate this question:
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- 18.
What is a licensed insurance producer not required to provide to an applicant for flood insurance?
- A.
A guide on flood prevention
- B.
A explanatory document concerning the flood insurance policy
- C.
A statement that indicates a claim filed under the homeowner’s policy will cover any loss
- D.
A copy of the flood insurance documents in English
Correct Answer
C. A statement that indicates a claim filed under the homeowner’s policy will cover any lossExplanation
A licensed insurance producer is not required to provide a statement that indicates a claim filed under the homeowner's policy will cover any loss when offering flood insurance. This is because flood insurance is a separate policy from homeowner's insurance and has its own terms and conditions for coverage. Therefore, it is important for the applicant to understand that flood insurance is necessary to cover losses specifically caused by floods, and it cannot be assumed that a homeowner's policy will provide the same coverage.Rate this question:
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- 19.
The following items (requirements of a notice of intent to cancel Worker’s Compensation Policy)[on the multiple choice section of the test] which is not required?
- A.
Effective date of the cancellation
- B.
The information on policy limits
- C.
The notice must include alternate insurance
- D.
The Insurers name and addresss
Correct Answer
C. The notice must include alternate insuranceExplanation
The notice of intent to cancel a Worker's Compensation Policy is not required to include information about alternate insurance. This means that when an insurance company intends to cancel the policy, they do not have to provide information about any other insurance options that the policyholder can consider. The other options listed in the question, such as the effective date of the cancellation, information on policy limits, and the insurer's name and address, are all required components of the notice.Rate this question:
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- 20.
John is 66 years old, has a physical handicap and has never been in a motor/vehicle accident or received a premium for his motor/vehicle insurance. What will happen to his policy?
- A.
His policy rate will increase due to his handicap
- B.
His policy rate will increase due to his age
- C.
Reviewing his policy is a discriminatory practice, his policy will remain unchanged.
- D.
His policy will automatically have to be reviewed due to his age and physical condition
Correct Answer
D. His policy will automatically have to be reviewed due to his age and pHysical conditionExplanation
Insurance companies typically review policies when the insured reaches a certain age or has a physical condition that may affect their ability to drive safely. In this case, John is 66 years old and has a physical handicap, which indicates that he may be at a higher risk of being involved in an accident. Therefore, his policy will automatically have to be reviewed to assess the potential impact of his age and physical condition on his ability to drive and determine if any adjustments need to be made to his policy.Rate this question:
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- 21.
A National Flood Insurance Program policyholder that has purchased personal property coverage may recover what kind of personal property?
- A.
Cell phones and small handheld electronics
- B.
Rare books or autographed items
- C.
Appliances
- D.
Sporting equipment
Correct Answer
B. Rare books or autograpHed itemsExplanation
A National Flood Insurance Program policyholder that has purchased personal property coverage may recover rare books or autographed items. This means that if these valuable items are damaged or destroyed due to a flood, the policyholder can file a claim and receive compensation to replace or repair them. This coverage is specifically designed to protect high-value personal belongings that may be difficult or expensive to replace.Rate this question:
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- 22.
When flood maps change, a property that has higher rates as a result of change shall...
- A.
Rates phased over a 1 year grace period
- B.
Rates phased over a 10-year period at 10% per year
- C.
Rates phased over a 5-year period at 20% per year
- D.
Rates are changed on the fifth year at the start date of the policy
Correct Answer
C. Rates pHased over a 5-year period at 20% per yearExplanation
When flood maps change and a property has higher rates as a result, the rates will be gradually phased in over a 5-year period at a rate of 20% per year. This means that the property owner will experience a gradual increase in their rates over the course of 5 years, with a 20% increase each year. This phased approach allows the property owner to adjust to the higher rates gradually rather than facing a sudden and significant increase all at once.Rate this question:
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- 23.
In Maryland, an insurer must provide an insured with claim forms within how many days of receiving a notice of claim?
- A.
5 business days
- B.
10 business days
- C.
15 calendar days
- D.
20 calendar days
Correct Answer
C. 15 calendar daysExplanation
According to Maryland insurance law, an insurer must provide an insured with claim forms within 15 calendar days of receiving a notice of claim. This requirement ensures that the insured can promptly file a claim and begin the process of recovering from a loss.Rate this question:
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- 24.
An insurance adviser license authorizes them to…
- A.
Qualify as a bail bondsman
- B.
Re-write insurance policy to tailor to their advice for an insured
- C.
Issue licences to other potential insurance advisers.
- D.
Advise on the terms, coverages, or benefits of insurance contracts and charge a fee for advice
Correct Answer
D. Advise on the terms, coverages, or benefits of insurance contracts and charge a fee for adviceExplanation
An insurance adviser license authorizes individuals to provide advice on the terms, coverages, or benefits of insurance contracts and charge a fee for their advice. This means that they are legally permitted to offer guidance and recommendations to clients regarding various aspects of insurance policies, such as the terms and conditions, the types of coverage available, and the benefits that can be obtained. They are also allowed to charge a fee for their expertise and services in providing this advice. This license does not authorize them to qualify as a bail bondsman, re-write insurance policies, or issue licenses to other potential insurance advisers.Rate this question:
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- 25.
The Property and casualty guaranty corporation must be obligated to pay the full amount of any claim [from what period]?
- A.
On the same day as an insurer
- B.
15 days after an insurer
- C.
30 days after an insurer
- D.
45 days after an insurer
Correct Answer
C. 30 days after an insurerExplanation
The Property and casualty guaranty corporation is required to pay the full amount of any claim 30 days after an insurer. This means that if an insurer fails to fulfill their obligation to pay a claim, the guaranty corporation will step in and pay the claim within 30 days. This ensures that policyholders are still protected even if their insurer becomes insolvent or is unable to pay the claim.Rate this question:
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- 26.
Who must obtain an appointment from an insurer in order to sell solicit, or negotiate property and casualty?
- A.
All licensed insurance producers who are acting on behalf of an insurance company
- B.
Bondsmen
- C.
Producers
- D.
Service Representatives
Correct Answer
A. All licensed insurance producers who are acting on behalf of an insurance companyExplanation
All licensed insurance producers who are acting on behalf of an insurance company must obtain an appointment from an insurer in order to sell, solicit, or negotiate property and casualty. This is because insurance producers are individuals who are authorized to sell insurance policies and represent insurance companies. By obtaining an appointment from an insurer, they are officially recognized and authorized to act on behalf of the insurance company in selling and negotiating insurance policies in the property and casualty sector.Rate this question:
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- 27.
Bill has been receiving worker’s comp benefits for an injury that occurred on his job. Who is responsible for paying Bill’s benefits?
- A.
Employer
- B.
Insurer
- C.
The State Worker's Comp Fund
- D.
The Surety Bond
Correct Answer
B. InsurerExplanation
The correct answer is Insurer. When an employee is injured on the job and receives worker's compensation benefits, it is the responsibility of the insurer to pay for those benefits. The insurer is the entity that provides the insurance coverage for the employer, and they are the ones who handle the financial aspect of the worker's compensation claim.Rate this question:
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- 28.
A property covered under a binder of insurance has coverage until the policy [expires, goes to coverage, is denied within the period of…]
- A.
15 days
- B.
30 days
- C.
45 days
- D.
60 days
Correct Answer
C. 45 daysExplanation
The property covered under a binder of insurance remains insured for a period of 45 days.Rate this question:
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- 29.
If an employer becomes bankrupt or insolvent during the policy term, the insurer shall…
- A.
Continue to provide payment of compensation for injury
- B.
Take the due payments from the bankruptcy court
- C.
Take the due payments from the employers remaining assets
- D.
Cancel all future payments from the date of bankruptcy
Correct Answer
A. Continue to provide payment of compensation for injuryExplanation
If an employer becomes bankrupt or insolvent during the policy term, the insurer is obligated to continue providing payment of compensation for injury. This means that despite the financial difficulties faced by the employer, the insurer will still fulfill its responsibility to compensate employees for any injuries suffered during the policy term. This ensures that the employees are not left without the necessary financial support in case of an unfortunate event.Rate this question:
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- 30.
Persons entitled to seek a hearing as a result of an action by the insurance commissioner have how many days?
- A.
60 days
- B.
100 days
- C.
90 days
- D.
30 days
Correct Answer
D. 30 daysExplanation
Persons entitled to seek a hearing as a result of an action by the insurance commissioner have 30 days. This means that individuals who wish to contest or challenge a decision made by the insurance commissioner must submit their request for a hearing within 30 days from the date of the action. This timeframe allows for a reasonable opportunity for affected parties to present their case and seek a resolution.Rate this question:
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- 31.
If a carrier proposes to non-renew a commercial policy, which of the following is true?
- A.
The insurer must provide a response within 15 days of the insured’s request for additional information
- B.
The insurer must respond in person by sending a field agent
- C.
The insurer and the carrier must be mediated by a third party legal representive
- D.
The insurer can only initiate action once the commercial policy has expired
Correct Answer
A. The insurer must provide a response within 15 days of the insured’s request for additional informationExplanation
According to the given answer, if a carrier proposes to non-renew a commercial policy, the insurer is required to provide a response within 15 days of the insured's request for additional information. This means that if the insured requests more information regarding the non-renewal, the insurer must respond within the specified time frame.Rate this question:
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- 32.
Underinsurance coverage applies when
- A.
When the sun rises in the west and sets in the east
- B.
When the seas go dry
- C.
When mountains blow in the wind like leaves
- D.
The driver of the vehicle that cause the accident has insuffieint liability limits that are lower than the policy
Correct Answer
D. The driver of the vehicle that cause the accident has insuffieint liability limits that are lower than the policy -
- 33.
An insurance producer may not act on the behalf of an insurer unless the…
- A.
Insurer has provided the producer with a special contractual authority endorsement
- B.
The producer has a written consent of the insured regarding the acceptance of his help in a particular case
- C.
Insurer has appointed the producer and entered the appointment of the insurer’s producer
- D.
The producer has a college education
Correct Answer
C. Insurer has appointed the producer and entered the appointment of the insurer’s producerExplanation
In order for an insurance producer to act on behalf of an insurer, the insurer must appoint the producer and enter into an appointment agreement. This agreement establishes the producer as an authorized representative of the insurer and grants them the authority to act on their behalf. Without this appointment, the producer does not have the legal authority to represent the insurer.Rate this question:
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- 34.
If an insured increases limits on PAP to 100/300/50 and signs an Uninsured Motorist Waiver, what happens to Uninsured Motorist coverage:
- A.
50/150/10
- B.
30/60/15
- C.
100/300/0
- D.
20/40/0
Correct Answer
B. 30/60/15Explanation
When an insured increases the limits on their Personal Auto Policy (PAP) to 100/300/50 and signs an Uninsured Motorist Waiver, the Uninsured Motorist coverage remains the same at 30/60/15. The Uninsured Motorist coverage is not affected by the increase in limits or the signing of the waiver.Rate this question:
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- 35.
For Workers Compensation accidental injury to be compensable, the injury must occur in all the following, except;
- A.
During the period of time when an a employee was at work
- B.
At the employer's place of business or such other location as may have been designated by the employer.
- C.
While the employee was performing their job duties or something related to them when the injury took place
- D.
As a result of the employee's negligence
Correct Answer
D. As a result of the employee's negligenceExplanation
Workers Compensation accidental injury is compensable if it occurs during the period of time when an employee was at work, at the employer's place of business or a designated location, and while the employee was performing their job duties or something related to them. However, it is not compensable if it was a result of the employee's negligence. This means that if the injury occurred due to the employee's own fault or carelessness, they would not be eligible for workers' compensation benefits.Rate this question:
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- 36.
Select the ones you like
- A.
Option1
- B.
Option2
- C.
Option3
- D.
Option4
Correct Answer
A. Option1Explanation
The given question asks the test-taker to select the options they like. The correct answer is Option1, which implies that the test-taker likes Option1 out of all the given options.Rate this question:
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- 37.
Which of the following would be considered an insured location under the HO3:
- A.
Cemetery plot of any insured
- B.
Aircraft
- C.
Stored business data
- D.
Rented, vacant farmland
Correct Answer
A. Cemetery plot of any insuredExplanation
A cemetery plot of any insured would be considered an insured location under the HO3 policy. This means that if the insured person owns a cemetery plot, it would be covered by the insurance policy.Rate this question:
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- 38.
Under the Equipment Breakdown Policy which of the following would not be a Non-accidental loss:
- A.
Wear and tear
- B.
Rust
- C.
Sabotage
- D.
Deterioration
Correct Answer
C. SabotageExplanation
Sabotage would not be considered a non-accidental loss under the Equipment Breakdown Policy. Non-accidental losses refer to damages or breakdowns that occur due to natural wear and tear, rust, or deterioration over time. Sabotage, on the other hand, is an intentional act of causing damage or disruption, which would typically be covered under a different type of insurance policy, such as property or liability insurance.Rate this question:
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- 39.
Membership in The Property and Casualty Insurance Guarantee Corporation among authorized P&C insurers is:
- A.
Voluntary
- B.
General
- C.
Mandatory
- D.
Not necessary
Correct Answer
C. MandatoryExplanation
Membership in The Property and Casualty Insurance Guarantee Corporation among authorized P&C insurers is mandatory. This means that all authorized P&C insurers are required to be members of the corporation. This ensures that policyholders are protected in the event of an insurer's insolvency. By making membership mandatory, the corporation can effectively fulfill its role in providing a safety net for policyholders and maintaining the stability of the insurance industry.Rate this question:
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- 40.
What type of notice must a company provide to cancel a Homeonwer's policy for non-payment which has been in effect for more than 60 days:
- A.
10 days
- B.
20 days
- C.
30 days
- D.
60 days
Correct Answer
A. 10 daysExplanation
A company must provide a 10-day notice to cancel a Homeowner's policy for non-payment which has been in effect for more than 60 days. This means that if the policyholder fails to make the required payment within the given 10-day notice period, the company has the right to cancel the policy. This notice period allows the policyholder a final opportunity to make the payment and avoid cancellation.Rate this question:
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- 41.
Which of the following is an exclusion under Employment Practices Liability coverage:
- A.
Wrongful Termination
- B.
Worker's Compensation
- C.
Sexual Harassment
- D.
Alleged Discrimination
Correct Answer
B. Worker's CompensationExplanation
Worker's Compensation is an exclusion under Employment Practices Liability coverage because it is a separate type of insurance that covers workplace injuries or illnesses. Employment Practices Liability coverage specifically protects against claims related to wrongful termination, sexual harassment, and alleged discrimination. Worker's Compensation, on the other hand, provides benefits to employees who are injured or become ill as a result of their job. Therefore, it is not included in Employment Practices Liability coverage.Rate this question:
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- 42.
Which of the following two perils would be excluded if a property was vacant for more than 60 days?
- A.
Falling objects and accidental discharge of steam or water
- B.
Damage by burglars and accidental discharge of steam or water
- C.
Weight of snow, ice or sleet and freezing of plumbing
- D.
Freezing of plumbing and falling objects
Correct Answer
B. Damage by burglars and accidental discharge of steam or waterExplanation
If a property is vacant for more than 60 days, the perils that would be excluded are damage by burglars and accidental discharge of steam or water. This means that if the property is left unoccupied for an extended period of time, any damage caused by burglars or any accidental discharge of steam or water would not be covered by the insurance policy.Rate this question:
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Current Version
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Dec 06, 2024Quiz Edited by
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May 03, 2016Quiz Created by
Caibroughton
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