CIC Personal Lines Practice Questions - CIC Personal Lines Institute Exam - CIC Personal Lines Practice Questions

Question 1

A driver causes an accident that injures a cyclist and damages a fence. Which PAP coverage part addresses the driver's legal responsibility for both losses?

Medical Payments to insureds and passengers Bodily Injury and Property Damage Liability Uninsured Motorists coverage Coverage for Damage to Your Auto

Correct Answer:

Bodily Injury and Property Damage Liability

Question 2

The named insured's foster child lives in the household and uses a covered auto. Which fact makes the child a PAP 'family member'?

Blood only Blood, marriage, or adoption (including a ward or foster child) Blood or marriage only Any person living in the household for at least 60 days

Correct Answer:

Blood, marriage, or adoption (including a ward or foster child)

Question 3

Marcus carries 100/300/100 PAP limits and is at fault in an accident causing $250,000 in bodily injury to one person. How much will the PAP pay for that injured person?

$$100,000 $$250,000 $$300,000 $$50,000

Correct Answer:

$$100,000

Question 4

Which statement about Uninsured Motorists Bodily Injury (UMBI) coverage in the PAP is generally TRUE?

It pays only for property damage caused by an uninsured driver It is mandatory in every state It is excess over any health insurance the insured carries Compensatory damages recoverable from an uninsured motorist

Correct Answer:

Compensatory damages recoverable from an uninsured motorist

Question 5

In states that permit it, 'stacking' of UM/UIM limits typically means:

Combining liability and UM limits to pay one loss Aggregating UM/UIM limits across vehicles or policies Doubling the limit when two vehicles collide Using the highest auto's deductible only once

Correct Answer:

Aggregating UM/UIM limits across vehicles or policies

Question 1

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About this Exam

Prepare with the CIC Personal Lines Practice Questions - CIC Personal Lines Institute Exam practice quiz. This question bank includes 100 questions covering coverage, dwelling, insured, loss, and ho-3. Use it to review important concepts, identify knowledge gaps, and build confidence for the related exam, course, or assessment.

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CIC Personal Lines Practice Questions - CIC Personal Lines Institute Exam

This practice set contains 100 questions from the matching question bank and focuses on coverage, dwelling, insured, loss, and ho-3. Work through each question carefully, review the provided solutions, and revisit topics that need more study before your next attempt.

This is an independent study resource intended for practice and review; it is not an official examination or an endorsement by any organization named in the title.

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CIC Personal Lines Practice Questions - CIC Personal Lines Institute Exam

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