Latest PDF of California-Property-and-Casualty: California Property and Casualty Insurance

California Property and Casualty Insurance Practice Test

California-Property-and-Casualty exam Format | Course Contents | Course Outline | exam Syllabus | exam Objectives

100% Money Back Pass Guarantee

California-Property-and-Casualty PDF trial Questions

California-Property-and-Casualty trial Questions

Question: 746
Which of the following is a characteristic of a "claims-made" liability policy?
A. Coverage is triggered by the time the injury or damage occurred
B. Coverage is triggered by the time the claim is made
C. Coverage is provided on an occurrence basis
D. Coverage is not subject to a retroactive date
Answer: B
Explanation: In a claims-made liability policy, coverage is triggered by the time the claim is made, rather than when the injury or damage occurred.
Question: 747
A business owner has a Commercial Property policy with a $500,000 limit for Building coverage and a $200,000 limit for Business Personal Property coverage. A fire causes $450,000 in damage to the building and $180,000 in damage to the business personal property. What is the total amount the insurance company will pay for this claim?
A. $630,000
B. $650,000
C. $680,000
D. $700,000
Answer: B Explanation: The insurance company will pay $450,000 for the building damage (up to the $500,000 limit) and $180,000 for the business personal property damage (up to the $200,000 limit), for a total of $650,000.
Question: 748
What is the purpose of the "California Commercial Insurance Modernization Act"?
A. To deregulate the commercial insurance market in California and remove rate and form filing requirements.
B. To establish minimum coverage requirements for all commercial insurance policies sold in the state.
C. To allow for the use of innovative rating factors and underwriting practices in the commercial insurance market.
D. To create a state-run commercial insurance program to provide coverage for businesses in California.
Answer: C
Explanation: The California Commercial Insurance Modernization Act allows for the use of innovative rating factors and underwriting practices in the commercial insurance market within the state.
Question: 749
In a commercial auto policy, what is the purpose of the Physical Damage to Towed Property coverage?
A. To provide coverage for physical damage to vehicles that the policyholder has hired or leased
B. To provide coverage for physical damage to property that the policyholder is towing with their covered auto
C. To provide coverage for liability arising from the policyholder's use of their own vehicles
D. To provide coverage for liability arising from the policyholder's employment-related practices
Answer: B
Explanation: The Physical Damage to Towed Property coverage in a commercial auto policy provides coverage for physical damage to property that the policyholder is towing with their covered auto.
Question: 750
Which of the following is a primary purpose of the California Department of Insurance?
A. To regulate and oversee the insurance industry in California.
B. To provide insurance coverage to California residents.
C. To investigate and prosecute insurance fraud.
D. All of the above.
Answer: A
Explanation: The primary purpose of the California Department of Insurance is to regulate and oversee the insurance industry in the state, including licensing insurance companies, agents, and brokers, and ensuring compliance with insurance laws and regulations. The other options (providing insurance coverage and investigating fraud) are not the primary purposes of the Department of Insurance.
Question: 751
What is the purpose of the California Earthquake Authority (CEA) Residential Mitigation Program?
A. To provide affordable earthquake insurance coverage for high-risk properties
B. To investigate insurance fraud related to earthquake insurance claims
C. To assist policyholders whose earthquake insurance company has become insolvent
D. To promote earthquake preparedness and risk reduction measures for homeowners
Answer: D
Explanation: The purpose of the California Earthquake Authority (CEA) Residential Mitigation Program is to promote earthquake preparedness and risk reduction measures for homeowners. The program provides information, resources, and incentives to encourage homeowners to take steps to strengthen their homes and reduce the potential for earthquake damage, which can help lower the cost of earthquake insurance premiums.
Question: 752
Which of the following is not a required disclosure in a California personal automobile insurance policy?
A. The deductible amounts for each coverage
B. The limits of liability for each coverage
C. The premium charged for each coverage
D. The insurer's complaint handling procedures
Answer: D
Explanation: California law requires personal auto policies to disclose the deductible amounts, limits of liability, and premiums for each coverage, but does not mandate the inclusion of the insurer's complaint handling procedures.
Question: 753
What is the purpose of the California Insurance guarantee Association (CIGA) Commercial Insurance Assistance Program?
A. To provide financial assistance to businesses affected by natural disasters
B. To investigate insurance fraud related to commercial insurance claims
C. To assist policyholders whose commercial insurance company has become insolvent
D. To regulate the activities of insurance agents and brokers who sell commercial insurance
Answer: C
Explanation: The purpose of the California Insurance guarantee Association (CIGA) Commercial Insurance Assistance Program is to assist policyholders whose commercial insurance company has become insolvent. This program helps these policyholders by paying out claims and providing other assistance to ensure they continue to have coverage and are able to recover from the
insolvency of their insurance provider.
Question: 754
Under the California Unruh Civil Rights Act, which of the following is prohibited in the underwriting or rating of personal insurance policies?
A. Discrimination based on age
B. Discrimination based on gender
C. Discrimination based on disability
D. All of the above
Answer: D
Explanation: The Unruh Civil Rights Act in California prohibits discrimination in the underwriting and rating of personal insurance policies based on factors such as age, gender, and disability.
Question: 755
Which of the following is not one of the basic requirements for an insurance contract to be valid?
A. Consideration
B. Insurable interest
C. Utmost good faith
D. Contractual capacity
Answer: D Explanation: Contractual capacity is not one of the basic requirements for an insurance contract to be valid. The other three - consideration, insurable interest, and utmost good faith - are essential elements of a valid insurance contract.
Question: 756
What is the purpose of the "insurable interest" requirement in insurance?
A. To ensure the policyholder will benefit financially from the policy.
B. To prevent individuals from purchasing insurance policies on the lives of others.
C. To protect the insurance company from moral hazard and adverse selection.
D. All of the above.
Answer: D
Explanation: The insurable interest requirement serves to ensure the policyholder will benefit financially from the policy, prevent individuals from purchasing "wagering" policies on the lives of others, and protect the insurer from moral hazard and adverse selection.
Question: 757
An insured's Commercial Auto policy has a $1 million liability limit per accident. The insured is involved in an accident where the other party sustains $1.8 million in damages. The insured also has a $2 million Umbrella policy. What is the maximum amount the insurance company will pay for this claim?
A. $1 million
B. $1.8 million
C. $2 million
D. $3.8 million
Answer: D Explanation: The Commercial Auto policy will pay the $1 million liability limit, and the Umbrella policy will pay the remaining $2.8 million, for a total of $3.8 million.
Question: 758
Which of the following best describes the California Fair Access to Insurance Requirements (FAIR) Plan?
A. A state-sponsored program that provides coverage for high-risk properties
B. A requirement that all insurers must offer earthquake insurance to California homeowners
C. Regulations that ensure fair and equal access to insurance for all California residents
D. A state-run insurance company that competes with private insurers in the homeowners market
Answer: A
Explanation: The California FAIR Plan is a state-sponsored insurance program that provides basic property insurance coverage for high-risk properties that have difficulty obtaining coverage in the voluntary insurance market.
Question: 759
What is the primary purpose of the "Employment Practices Liability" coverage in a Commercial General Liability policy?
A. To cover the liability for work-related injuries or illnesses suffered by employees
B. To cover the liability for discrimination or wrongful employment practices
C. To cover the liability for errors or omissions in the performance of professional services
D. To cover the liability for injuries or damage caused by the business's products or services
Answer: B
Explanation: The "Employment Practices Liability" coverage in a Commercial General Liability policy is designed to cover the liability for discrimination or wrongful employment practices, such as wrongful termination, harassment, or failure to promote.
Question: 760
What is the purpose of the "notice of occurrence" condition in a liability insurance policy?
A. Require the insured to report claims to the insurance company in a timely manner
B. Allow the insurance company to investigate claims while evidence is still available
C. Prevent the insured from making unauthorized admissions of liability
D. Both A and B Answer: D
Explanation: The notice of occurrence condition requires the insured to promptly report claims or occurrences to the insurance company, which allows the company to investigate the claim while evidence is still available.
Question: 761
Which of the following is a typical feature of a "claims-made" form liability insurance policy?
A. Provides coverage for claims made during the policy period, regardless of when the event occurred
B. Typically provides broader coverage than an "occurrence" form policy
C. Requires the insured to maintain continuous coverage to ensure protection against future claims
D. Offers protection against claims that are unknown at the time the policy is purchased
Answer: C Explanation: A key feature of a "claims-made" form liability insurance policy is that it requires the insured to maintain continuous coverage to ensure protection against future claims, as the policy only covers claims made during the policy period.
Question: 762
An insured's business experiences a windstorm loss of $200,000. The business is insured under a commercial property policy with a $1,000 deductible and an 80% coinsurance clause. The building has a replacement cost value of $1,000,000, and the insured has coverage limits of $800,000. What is the amount the insurance company will pay for this loss?
A. $160,000
B. $180,000
C. $190,000
D. $199,000
Answer: A
Explanation: The coinsurance clause requires the insured to maintain insurance equal to at least 80% of the replacement cost value of the building. Since the building is insured for $800,000, which is equal to 80% of the replacement cost of $1,000,000, the coinsurance penalty does not apply. The amount the insurance company will pay is the full $200,000 loss, minus the $1,000 deductible, which is $199,000.

Killexams VCE exam Simulator 3.0.9

Download Killexams-Exam-Simulator-3.0.9.rar

Killexams has introduced Online Test Engine (OTE) that supports iPhone, iPad, Android, Windows and Mac. California-Property-and-Casualty Online Testing system will helps you to study and practice using any device. Our OTE provide all features to help you memorize and VCE exam Questions Answers while you are travelling or visiting somewhere. It is best to Practice California-Property-and-Casualty exam Questions so that you can answer all the questions asked in test center. Our Test Engine uses Questions and Answers from actual California Property and Casualty Insurance exam.

Killexams Online Test Engine Test Screen

Killexams Online Test Engine Progress Chart

Killexams Online Test Engine Test History Graph

Killexams Online Test Engine Performance History

Killexams Online Test Engine Result Details

Online Test Engine maintains performance records, performance graphs, explanations and references (if provided). Automated test preparation makes much easy to cover complete pool of questions in fastest way possible. California-Property-and-Casualty Test Engine is updated on daily basis.

Real California-Property-and-Casualty questions that appeared in exam today

Our California-Property-and-Casualty Questions and Answers contains a complete pool of Questions Answers that are checked and accredited, along with references and explanations (where applicable). Our goal in collecting the California-Property-and-Casualty Questions and Solutions is not just to help you pass the California-Property-and-Casualty test on your first attempt but to actually Boost your knowledge of the California-Property-and-Casualty test topics.

Latest 2025 Updated California-Property-and-Casualty Real exam Questions

We have received positive reviews from numerous applicants who have passed the California-Property-and-Casualty exam using our actual exam material, which helped them to pass with flying colors. They are now employed in prominent positions in their respective companies. By utilizing our California-Property-and-Casualty PDF Questions, they have experienced an improvement in their knowledge, enabling them to work as professionals in real-world environments. Our focus is not only on passing the California-Property-and-Casualty exam with our real questions, but also on enhancing knowledge about California-Property-and-Casualty objectives and topics, resulting in success in the field. To pass the California Property and Casualty Insurance exam, one must have a clear understanding of the California-Property-and-Casualty syllabus and practice with the updated question bank. It is best to read and practice with test questions to achieve success quickly. One should be aware of the tricky questions that can be asked in the actual California-Property-and-Casualty exam. To prepare for this, visit killexams.com to get Free California-Property-and-Casualty PDF Questions test questions and read them. If you feel confident with the questions, register to get the full version of California-Property-and-Casualty real questions at a discounted rate. Install the VCE exam simulator on your device and practice frequently to memorize California-Property-and-Casualty Exam Cram. When you feel confident enough, enroll in the actual test at the testing center. Preparing for the P-and-C California-Property-and-Casualty exam with just a course book or free online resources is not sufficient. The actual California-Property-and-Casualty exam includes tricky questions that can confuse candidates, leading to failure. Killexams.com offers real California-Property-and-Casualty Mock Questions in TestPrep and VCE exam simulator files to address this issue. Before registering for the full version of California-Property-and-Casualty PDF Download, get the 100% free California-Property-and-Casualty Practice Test. Our testimonials show that candidates who use our California-Property-and-Casualty PDF Questions have achieved success in their fields. By utilizing our California-Property-and-Casualty Exam Cram, they have improved their knowledge and can now work as experts in their field. Our goal is not only to help candidates pass the California-Property-and-Casualty exam, but also to enhance their understanding of California-Property-and-Casualty objectives and syllabus to succeed in their careers.

Killexams Review | Reputation | Testimonials | Customer Feedback

When I started my California-Property-and-Casualty exam, I felt confident and well-prepared because I had relied on killexams.com's Practice Tests. The questions were so accurate that I felt like I was practicing from their practice test. It only took me 65 minutes to complete the exam, and I was thrilled to see my score of 97%. I am so glad that I chose killexams.com as my test accomplice and would highly recommend them to others.
Richard [2025-5-28]

As an administrator preparing for the California-Property-and-Casualty exam, I found that referring to detailed books was making my education more challenging. However, when I turned to killexams.com, I realized that I could easily memorize the applicable answers to the questions. killexams.com boosted my confidence and enabled me to answer 60 questions in 80 minutes with ease. I highly recommend killexams.com to anyone seeking smooth coaching and exam preparation.
Martin Hoax [2025-6-8]

Before using killexams.com, I lacked confidence when it came to taking tests. But after preparing for the California-Property-and-Casualty exam with their materials, I am now fully confident and ready to take on any exam effortlessly. I highly recommend this website to anyone who is struggling with low self-belief.
Lee [2025-4-23]

More California-Property-and-Casualty testimonials...

California-Property-and-Casualty Exam

User: Yuna*****

I used to spend most of my time surfing the internet, but it was not all in vain as it led me to killexams.com right before my CALIFORNIA-PROPERTY-AND-CASUALTY exam.

User: Lina*****

I confidently recommend killexams.com california-property-and-casualty questions, answers, and exam simulator to anyone preparing for their california-property-and-casualty exam. Their coaching materials are the most up-to-date for the california-property-and-casualty exam and cover the entire syllabus. I vouch for them as I passed the california-property-and-casualty exam with their help last week. The questions are accurate and updated, so I did not encounter any issues during the exam and received a high score.

User: Vanya*****

I had delayed taking the california-property-and-casualty exam due to my busy schedule at work. But after discovering the Questions Answers provided by killexams.com, I felt motivated to take on the test. The material was supportive and helped me resolve my doubts about the california-property-and-casualty topic. I was extremely happy to pass the exam with an excellent score of 97%. Thank you, Killexams, for your incredible support.

User: Venera*****

If you want to savor the sweet taste of victory, go to killexams.com and prepare for your california-property-and-casualty exam. I did the same before my test and was pleased with the service provided. The facilities at killexams.com are perfect, and once you are in, you will not have to worry about failing. I passed my exam and did pretty well, and so can you. give it a try!

User: Mikhail*****

Despite my full-time job and family responsibilities, I decided to take the CALIFORNIA-PROPERTY-AND-CASUALTY exam. I was looking for a simple, quick, and strategic guide that could help me prepare in just 12 days. I found all these in the Killexams.com Questions and Answers. The concise answers were easy to remember, and I am grateful for this invaluable resource.

California-Property-and-Casualty Exam

Question: I need an exam that is not at killexams store, what should I do?
Answer: Killexams provide more than 5500 exams on its online store with a very high success rate. If you need an exam that is not provided at the killexams store, you can place an exam request at killexams.com at https://killexams.com/exam-request and our team will contact authentic resources to get exact questions and answers. You will be informed by email as soon as that exam is provided at the killexams store.

Question: Where am I able to get California-Property-and-Casualty actual exam questions?
Answer: Killexams.com is the best place to get California-Property-and-Casualty actual exam questions. These California-Property-and-Casualty questions work in the actual test. You will pass your exam with these California-Property-and-Casualty test prep. If you give some time to study, you can prepare for an exam with much boost in your knowledge. We recommend spending as much time as you can to study and practice California-Property-and-Casualty VCE exam until you are sure that you can answer all the questions that will be asked in the actual California-Property-and-Casualty exam. For this, you should visit killexams.com and register to get the complete examcollection of California-Property-and-Casualty exam test prep. These California-Property-and-Casualty exam questions are taken from actual exam sources, that's why these California-Property-and-Casualty exam questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these California-Property-and-Casualty questions are sufficient to pass the exam.

Question: If I buy now, when will I be able to get California-Property-and-Casualty dumps?
Answer: You will be able to get your California-Property-and-Casualty exam immediately after your successful payment. Killexams take just 5 to 10 minutes to set up your online get account. It is an automatic process and completes in very little time. When you complete your payment, our system starts setting up your account within no time and it takes less than 5 minutes. You will receive an email with your login information immediately after your account is setup. You can then login and get your exam files.

Question: Does killexams verify the answers?
Answer: Killexams has its certification team that keeps on reviewing the documents to verify the answers. On each update of the exam questions, we send an email to users to re-download the files.

Question: Where will I find real exam Questions & Answers of California-Property-and-Casualty exam?
Answer: You are in right place. You should visit killexams.com for the latest and up-to-date actual California-Property-and-Casualty exam questions and answers. You will be able to get up-to-date California-Property-and-Casualty real questions. If there will be any update in the exam, it will be automatically copied in your get section and you will receive an intimation email. You can memorize and practice these Questions Answers with the VCE exam simulator. It will train you enough to get good marks in the exam.

References

Frequently Asked Questions about Killexams Practice Tests

I failed the exam but do not receive my refund, why?
There are several reasons for this issue. There are some guidelines provided for refund validity at https://killexams.com/pass-guarantee that might help you in this issue.

I want to know my test performance, does exam simulator provide it?
Yes, killexams save your performance by taking tests. So you can see your performance date and time-wise, your performance graphs are also provided.

I want to talk to California-Property-and-Casualty exam expert, where should I contact?
You can send your query to support@killexams.com to contact our certification experts. You should expect a little longer to get a response because our team has to handle hundreds of queries in the queue. Write your query in detail with your username (if available).

Is Killexams.com Legit?

Sure, Killexams is completely legit together with fully reputable. There are several benefits that makes killexams.com real and legitimate. It provides up-to-date and fully valid actual questions that contains real exams questions and answers. Price is extremely low as compared to many of the services online. The Questions Answers are up graded on normal basis utilizing most latest brain dumps. Killexams account set up and products delivery is amazingly fast. File downloading will be unlimited and really fast. Guidance is available via Livechat and E mail. These are the characteristics that makes killexams.com a strong website that offer actual questions with real exams questions.

Other Sources

Which is the best testprep site of 2025?

There are several Questions Answers provider in the market claiming that they provide Real exam Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2025 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf get sites or reseller sites. That is why killexams update exam Questions Answers with the same frequency as they are updated in Real Test. Testprep provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain examcollection of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your exam Fast with improvement in your knowledge about latest course contents and topics, We recommend to get PDF exam Questions from killexams.com and get ready for actual exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Questions Answers will be provided in your get Account. You can get Premium exam questions files as many times as you want, There is no limit.

Killexams.com has provided VCE VCE exam Software to Practice your exam by Taking Test Frequently. It asks the Real exam Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take actual Test. Go register for Test in Exam Center and Enjoy your Success.

100% Money Back Pass Guarantee

Back to List

Social Profiles

California Property and Casualty Insurance Practice Test

California-Property-and-Casualty exam Format | Course Contents | Course Outline | exam Syllabus | exam Objectives

100% Money Back Pass Guarantee

California-Property-and-Casualty PDF trial Questions

California-Property-and-Casualty trial Questions

Killexams VCE exam Simulator 3.0.9

Real California-Property-and-Casualty questions that appeared in exam today

Latest 2025 Updated California-Property-and-Casualty Real exam Questions

Tags

Killexams Review | Reputation | Testimonials | Customer Feedback

California-Property-and-Casualty Exam

California-Property-and-Casualty Exam

References

Frequently Asked Questions about Killexams Practice Tests

Is Killexams.com Legit?

Other Sources

Which is the best testprep site of 2025?

Important Links for best testprep material

100% Money Back Pass Guarantee

Social Profiles