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Personal Lines Examination — Information & Free Practice

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Personal Lines Examination

Provider
PSI Services LLC
Format
Computer examination, at a test center or remotely proctored
Exam questions
112 scored items; additional experimental items are not scored
Time limit
3.5 Hours
Passing score
70% Correct
Examination outline
  • TYPES OF PROPERTY POLICIES (10 Items)
    • 1.1 Property: Personal Lines
    • 1.1 Property: Personal Lines — Dwelling and contents (DP forms)
    • 1.1 Property: Personal Lines — Homeowners (HO forms)
    • 1.2 Inland Marine
    • 1.2 Inland Marine — Personal floaters
    • 1.3 Other Types of Property Policies
    • 1.3 Other Types of Property Policies — Flood
    • 1.3 Other Types of Property Policies — Personal Watercraft
    • 1.3 Other Types of Property Policies — Earthquake
    • 1.3 Other Types of Property Policies — Mobile Homes
  • TYPES OF CASUALTY POLICIES (13 Items)
    • 2.1 Personal Automobile
    • 2.1 Personal Automobile — Liability
    • 2.1 Personal Automobile — Medical Payments
    • 2.1 Personal Automobile — Physical damage (collision and other than collision)
    • 2.1 Personal Automobile — Uninsured motorists
    • 2.1 Personal Automobile — Underinsured motorists
    • 2.1 Personal Automobile — Who is an insured
    • 2.1 Personal Automobile — Types of Auto
    • 2.1 Personal Automobile — Types of Auto — Owned
    • 2.1 Personal Automobile — Types of Auto — Temporary Substitute
    • 2.1 Personal Automobile — Use and Eligibility of Auto
    • 2.2 Personal Liability
    • 2.3 Umbrella/Excess Liability
    • 2.4 Other Personal Exposures
    • 2.4 Other Personal Exposures — Errors and Omissions
  • PROPERTY AND CASUALTY INSURANCE TERMS AND RELATED CONCEPTS (28 Items)
    • 3.1 Insurable Interest
    • 3.2 Risk
    • 3.3 Hazard
    • 3.4 Peril
    • 3.5 Loss
    • 3.5 Loss — Direct
    • 3.5 Loss — Indirect
    • 3.6 Proximate Cause
    • 3.7 Deductible
    • 3.8 Indemnity
    • 3.9 Actual Cash Value
    • 3.10 Replacement Cost
    • 3.11 Limits of Liability
    • 3.12 Pair and Set Clause
    • 3.13 Extensions of Coverage
    • 3.14 Additional Coverages
    • 3.15 Accident
    • 3.16 Occurrence
    • 3.17 Vacancy and Unoccupancy
    • 3.18 Right of Salvage
    • 3.19 Abandonment
    • 3.20 Liability
    • 3.21 Negligence
    • 3.22 Theft
    • 3.23 Burglary
    • 3.24 Robbery
    • 3.25 Mysterious Disappearance
    • 3.26 Binders
    • 3.27 Bodily Injury Liability
    • 3.28 Property Damage Liability
    • 3.29 Personal Injury Liability
    • 3.30 Certificate of Insurance
    • 3.31 Risk Management
    • 3.32 Professional Designations
  • PROPERTY AND CASUALTY POLICY PROVISIONS AND CONTRACT LAW (24 Items)
    • 4.1 Declarations
    • 4.2 Insuring Agreement
    • 4.3 Conditions
    • 4.4 Exclusions
    • 4.5 Definitions
    • 4.6 Duties of the Insured After a Loss
    • 4.7 Obligations of the Insurance Company
    • 4.8 Mortgagee Rights
    • 4.9 Proof of Loss
    • 4.10 Notice of Claim
    • 4.11 Appraisal
    • 4.12 Other Insurance
    • 4.13 Assignment
    • 4.14 Subrogation
    • 4.15 Elements of a Contract
    • 4.16 Sources of Underwriting Information
    • 4.17 Compliance with Provisions of Fair Credit Reporting Act
    • 4.18 Cancellation and Nonrenewal Provisions
    • 4.19 Additional (Supplementary) Payments
    • 4.20 Loss Settlement Provisions Including Consent to Settle a Loss
    • 4.21 Limitations
    • 4.22 Representations and Misrepresentations
    • 4.23 Concealment
    • 4.24 Arbitration
    • 4.25 Coinsurance
    • 4.26 Endorsements
    • 4.27 Premium Payments
    • 4.28 Effective Dates of Coverage
  • New Jersey Laws, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance (25 Items)
    • 5.1 State Regulatory Jurisdiction
    • 5.1 State Regulatory Jurisdiction — Legislation
    • 5.1 State Regulatory Jurisdiction — Legislation — State Laws
    • 5.1 State Regulatory Jurisdiction — Legislation — Court Action
    • 5.1 State Regulatory Jurisdiction — Legislation — Court Action — Interpretations
    • 5.1 State Regulatory Jurisdiction — Legislation — Court Action — Effect on Law and Policy Forms
    • 5.1 State Regulatory Jurisdiction — Legislation — Related Federal Laws and court Cases
    • 5.1 State Regulatory Jurisdiction — Legislation — Related Federal Laws and court Cases — Paul v. Virginia
    • 5.1 State Regulatory Jurisdiction — Legislation — Related Federal Laws and court Cases — US v. South-Eastern Underwriters Assoc.
    • 5.1 State Regulatory Jurisdiction — Legislation — Related Federal Laws and court Cases — McCarran-Ferguson Act/Public Law 15
    • 5.1 State Regulatory Jurisdiction — Commissioner/Dept. of Banking and Insurance
    • 5.1 State Regulatory Jurisdiction — Commissioner/Dept. of Banking and Insurance — Broad Powers of Commissioner
    • 5.1 State Regulatory Jurisdiction — Commissioner/Dept. of Banking and Insurance — Notice and Hearing
    • 5.1 State Regulatory Jurisdiction — Commissioner/Dept. of Banking and Insurance — Penalties
    • 5.2 Definitions
    • 5.2 Definitions — Insurance-related conduct
    • 5.2 Definitions — Domestic, foreign, and alien companies
    • 5.2 Definitions — Stock and mutual
    • 5.2 Definitions — Reinsurance
    • 5.2 Definitions — Certificate of authority
    • 5.2 Definitions — A producer acting as: Insurance Agent
    • 5.2 Definitions — A producer acting as: Insurance Broker
    • 5.2 Definitions — A producer acting as: Insurance Consultant
    • 5.2 Definitions — Sell, Solicit, and Negotiate
    • 5.3 Licensing
    • 5.3 Licensing — Types of licenses/authorities/requirements
    • 5.3 Licensing — Types of licenses/authorities/requirements — Producer
    • 5.3 Licensing — Types of licenses/authorities/requirements — Business entity
    • 5.3 Licensing — Types of licenses/authorities/requirements — Nonresident — Producer
    • 5.3 Licensing — Types of licenses/authorities/requirements — Nonresident — Business Entity
    • 5.3 Licensing — Types of licenses/authorities/requirements — Prelicensing requirements
    • 5.3 Licensing — Types of licenses/authorities/requirements — Surplus lines
    • 5.3 Licensing — Temporary work authority
    • 5.3 Licensing — Contractual relationships
    • 5.3 Licensing — Contractual relationships — Company/producer
    • 5.3 Licensing — Contractual relationships — Producer substituting for or taking over the business of a disabled/deceased producer
    • 5.3 Licensing — Maintenance and duration of license
    • 5.3 Licensing — Maintenance and duration of license — Renewal
    • 5.3 Licensing — Maintenance and duration of license — Certification of license status
    • 5.3 Licensing — License refusal/termination
    • 5.3 Licensing — License refusal/termination — Denial
    • 5.3 Licensing — License refusal/termination — Cancellation/reinstatement
    • 5.3 Licensing — License refusal/termination — Revocation/suspension
    • 5.4 Trade Practices
    • 5.4 Trade Practices — Prohibited practices
    • 5.4 Trade Practices — Licensee responsibilities (Reporting information to the Department of Banking and Insurance)
    • 5.4 Trade Practices — Licensee responsibilities — Business names (including fictitious)
    • 5.4 Trade Practices — Licensee responsibilities — Branch offices
    • 5.4 Trade Practices — Licensee responsibilities — Change of address
    • 5.4 Trade Practices — Licensee responsibilities — Standards of conduct
    • 5.5 Fraud
    • 5.6 Ethics
    • 5.7 Information Privacy
  • New Jersey Laws, Rules, and Regulations Pertinent to Property Insurance Only (4 Items)
    • 6.1 New Jersey Insurance Underwriting Association (FAIR Plan)
    • 6.1 New Jersey Insurance Underwriting Association (FAIR Plan) — Purpose
    • 6.1 New Jersey Insurance Underwriting Association (FAIR Plan) — Creation of association, membership
    • 6.1 New Jersey Insurance Underwriting Association (FAIR Plan) — Application, contents, denial
    • 6.1 New Jersey Insurance Underwriting Association (FAIR Plan) — Application, contents, denial — Limits
    • 6.1 New Jersey Insurance Underwriting Association (FAIR Plan) — Application, contents, denial — Binding
    • 6.1 New Jersey Insurance Underwriting Association (FAIR Plan) — Application, contents, denial — Agent’s authority and obligation
    • 6.1 New Jersey Insurance Underwriting Association (FAIR Plan) — Rates
    • 6.2 Cancellation/Nonrenewal
    • 6.3 Surplus Lines (homeowners)
    • 6.3 Surplus Lines (homeowners) — Certificate of diligent effort
    • 6.3 Surplus Lines (homeowners) — Exportable list
    • 6.4 Coastal properties and hurricane risk
    • 6.5 Workers' Compensation domestic employees coverage
  • New Jersey Laws, Rules, and Regulations Pertinent to Casualty Insurance Only (8 Items)
    • 7.1 Auto Insurance
    • 7.1 Auto Insurance — Requirements
    • 7.1 Auto Insurance — Requirements — Bodily Injury and Property Damage
    • 7.1 Auto Insurance — Requirements — Uninsured and underinsured Motorists
    • 7.1 Auto Insurance — Requirements — Evidence of insurance/identification cards
    • 7.1 Auto Insurance — Personal Injury Protection (PIP)
    • 7.1 Auto Insurance — Personal Injury Protection (PIP) — Definitions
    • 7.1 Auto Insurance — Personal Injury Protection (PIP) — Benefits
    • 7.1 Auto Insurance — Personal Injury Protection (PIP) — Primacy of coverage
    • 7.1 Auto Insurance — Personal Injury Protection (PIP) — Exclusions/deductibles
    • 7.1 Auto Insurance — Personal Injury Protection (PIP) — Tort options
    • 7.1 Auto Insurance — New Jersey Automobile Residual Market Personal Automobile Insurance Plan (PAIP)
    • 7.1 Auto Insurance — New Jersey Automobile Residual Market Personal Automobile Insurance Plan (PAIP) — Purpose
    • 7.1 Auto Insurance — New Jersey Automobile Residual Market Personal Automobile Insurance Plan (PAIP) — Rates
    • 7.1 Auto Insurance — New Jersey Automobile Residual Market Personal Automobile Insurance Plan (PAIP) — Servicing carriers
    • 7.1 Auto Insurance — New Jersey Automobile Residual Market Personal Automobile Insurance Plan (PAIP) — Available coverages
    • 7.1 Auto Insurance — New Jersey Automobile Residual Market Personal Automobile Insurance Plan (PAIP) — UEZ Program
    • 7.1 Auto Insurance — Basic Auto Insurance Policy
    • 7.1 Auto Insurance — Special Auto Insurance Policy (SAIP)
    • 7.2 Commercial Insurance Deregulation
    • 7.3 Cancellation and Nonrenewal
    • 7.4 Surplus Lines
    • 7.4 Surplus Lines — Certificate of diligent effort
    • 7.4 Surplus Lines — Exportable list
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