Missouri P&c Insurance Practice Exam Answers

1: All of the following would be covered under the medical expense coverage of a businessowners policy EXCEPT A First aid when the accident occurred. B Mental health counseling. C Ambulance services. D X-ray services. {Ans: B Mental health counseling. This coverage includes accidental bodily injury only; it does not cover any counseling.}12: How much is covered for debris removal under the HO property additional coverages? A Nothing, unless added by an endorsement B All reasonable costs C 90% of the total cost of clean-up D Everything after a $200 deductible {Ans: B All reasonable costs}5: A binder is issued to an applicant, but it is never replaced by a policy because of information discovered about the applicant. What action must be taken on the part of the insurer? A No action must be taken. B The applicant must be provided a contact in the Medical Information Bureau. C The insurer must provide a Binder Expiration Notice. D A binder premium charge must be made. {Ans: binder premium charge must be made.}4: Which of the following is a common exclusion found in Part D: Coverage for Damage to Your Auto of a PAP? A Mechanical breakdown B