Hi, could you help me out please?

1.Elements of negligence include:

a.Existence of a legal duty

b.Failure to perform a duty

c.Damage to the claimant

d.All of the above

2.An example of an Intentional Tort:

a.Owning a wild or dangerous animal

b.An occupational injury

c.Libel

d.All of the above

3.Medical malpractice is cited as contributing to health care costs:

a.True

b.False

4.Patients sue physicians more now than in the past because:

a.The relationship between patient and physician is less close overall than in the past

b.Our society is more litigious than in the past

c.Physicians are more willing to testify against other physicians than in the past d. All of the above

5.The ISO drafts insurance forms for what main purpose:

a.To protect insurance companies by providing rate boundaries

b.To keep language barriers to a minimum

c.To make sure that policies sold in any state are similar to any other state

d.To protect the public from excessive premium cost

6.Property damage caused by water is automatically covered in home owner policies: a. True

b. False

7.If you run over your neighbor's bicycle, your homeowner's policy will cover the damage: a. True

b. False

8.An endorsement can be added to a homeowner's policy to cover earthquake damage: a. True

b. False

9.For auto insurance, the 2005 PAP form is used throughout the United States: a. True

b. False, the 2005 PAP form is not used in Alaska

10.If you buy a car, your current insurance will cover the new purchase:

a.After you contact your insurance agent

b.Only if the car you purchased replaces another car

c.For 14 days if you purchased an additional car; or until your current policy expires for a replacement car

d.False, you need to buy a policy for your new purchase before it is covered

11.A standard policy covers the named insured and any resident family member: a. True

b.False, it only covers those named in the policy

c.True, but only for drivers over the age of 18

d.False, it only covers a spouse

12.If you are involved in a wreck in a state with higher liability limits than your home state:

a.Your policy will cover the higher limits automatically

b.Your policy will cover the higher limits only if you had requested additional coverage

c.Your policy will not cover the higher limits, you will be responsible for additional costs

13.Generally, there is no correlation between compulsory insurance laws and the number of uninsured: a. True

b. False

14.Auto compulsory insurance laws do not require drivers to have policies to register their cars: a. True

b. False

15.Auto financial responsibility laws only require proof of financial responsibility after an accident: a. True

b. False

16.It is illegal for auto insurance companies to use age, gender, or marital status in determining premiums: a. True

b. false

17.A Homeowners 2 (Broad Form) policy provides coverage for:

a.The main dwelling

b.The main dwelling and any detached garage

c.The main dwelling and personal property

d.The main dwelling, personal property, and any detached garage

18.A Homeowners 4 (Contents Broad Form) policy is designed for:

a.Personal property not covered in the Homeowners 2 policy

b.Cars, boats, and motorcycles while in storage

c.Tenants who rent apartments, houses, or rooms

d.A multi-family dwelling

19.Dog bites accounted for more than one-third of all homeowner's insurance claims recently: a. True

b. False, there are hundreds of causes of claims

20.Hovercraft liability is specifically excluded from homeowner's coverage:

a.True, for any policy using standard language developed by the industry

b.False, few people own hovercraft so they are not mentioned in policies

21.Title insurance protects the owner of property or the lender from:

a.High interest rates

b.Undesirable building projects

c.Unknown defects in the title to the property

d.The name and title of the development project

22.Consumer advocates argue that the title insurance market has several defects including:

a.Title insurance is difficult to obtain

b.It is no longer important to protect the name and title of development projects

c.Buyers are over-charged for title insurance

d.Title insurance is outdated and should be replaced with abstracts of title

23.The purpose of FAIR plans is to:

a.Insure state fairs, carnivals, and amusement parks against liability

b.Make sure premiums are fair between the company and buyer

c.Determine the fair financial responsibility to avoid the need to file a lawsuit

d.Make insurance available to urban property owners unable to obtain insurance elsewhere

24.Flood insurance is only available for property in the flood plain:

a.True

b.False

25.Conrad Murray failed to exercise the legally required medical standard of care:

a.By his failure to properly have his medical license posted

b.By deliberately administering medicine to a patient for the wrong purpose

c.By not having contact information available for an emergency 911 call

d.By providing off-site medical services