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Under the farm forms, the maximum amount payable for a loss to a satellite dish is: - ANSWER - The correct answer is: $1,000.. The State Insurance Fund provides workers compensation coverage for which of the following? - ANSWER - The fund is for both those employers unable to obtain coverage and those purchasing coverage in the competitive market. Part I of the Workers Compensation Employer Liability Insurance Policy describes - ANSWER - The insurer's duty to pay promptly, when due, the benefits required of the employer by the workers compensation statute Vision care insurance policies most often cover: - ANSWER - The cost of lenses and frames. .
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Under the farm forms, the maximum amount payable for a loss to a satellite dish is: - ANSWER - The correct answer is: $1,000.. The State Insurance Fund provides workers compensation coverage for which of the following? - ANSWER - The fund is for both those employers unable to obtain coverage and those purchasing coverage in the competitive market. Part I of the Workers Compensation Employer Liability Insurance Policy describes - ANSWER - The insurer's duty to pay promptly, when due, the benefits required of the employer by the workers compensation statute Vision care insurance policies most often cover: - ANSWER - The cost of lenses and frames.. John Smith has just made his last car payment which concludes his contract. The finance company, for reasons not immediately apparent, has the car repossessed. If Mr. Smith brings a suit, the court will allow Mr. Smith to retake possession of the car pending the court's final ruling as to ownership if Mr. Smith provides the court a: - ANSWER - Replevin bond.. A replevin bond guarantees that if property is in the possession of party A is determined to belong to party B and the court orders its return to party B, party A will do so. Party A would first have to obtain an attachment bond, also required by the court, in case the property was wrongfully repossessed. What is the purpose of the "other insurance clause"? - ANSWER - To avoid over payment of a claim. Typically, how are defense costs handled under an aviation policy? - ANSWER - Handled as a supplementary payment. Which of the following watercraft losses are excluded under a homeowner policy? I. Theft off the residence premises II. Windstorm damage while the insured's boat is docked at the marina III. Fading of the canvas tarp which covers a boat IV. Earthquake damage - ANSWER - The correct answer is: I, II, III, and IV. Replacement cost coverage is best defined as: - ANSWER - Replacement without deduction for depreciation..
All of the following are excluded from garage policy liability coverage, EXCEPT: - ANSWER - Injury or damage arising out of a motorboat the named insured keeps stored in the back of his repair garage.. In New York no suit or action against the insurer for the recovery of any claim will be sustainable in any court of law unless all of the requirements of the policy have been complied with, unless commenced within ______ months next after inception of the loss. - ANSWER - 24 In cases of comparative negligence, the proportional share of each party in the entire liability will be based on: - ANSWER - Relative degree of fault significant purpose of a reporting form under the dealer's physical damage coverage under the garage policy? - ANSWER - To deal with changing values of autos held for sale.. What is the limit that will be paid for the fire department service charge in the BOP form? - ANSWER - : $2, The Personal Auto Policy, under Supplementary Payments: - ANSWER - Will pay the insured up to $200 per day for loss of earnings due to testifying at a trial concerning an accident caused by the insured. Which of the following is not paid under personal auto medical payments? - ANSWER - Pain and suffering. Who are the three parties to the "appraisal clause"? - ANSWER - The two appraisers and the umpire. The insured is covered under a BOP for $200,000 on his building. The risk is completely destroyed by fire. It will cost $225,000 to replace the building. The cost to remove the debris is $25,000. How much, if any, will the company pay for this loss? - ANSWER - $225, The company will pay the $200,000 plus another $25,000 for the debris removal. The policy provides an extra limit of $25,000 where the cost to rebuild or replace the building exhausts the limits of coverage. After receiving an inquiry from the Insurance Department regarding a claim, an insurer must respond within: - ANSWER - 10 business days What does the term "comparative negligence" refer to? - ANSWER - The percentage of fault is shared by each driver in an accident in which both contribute to causing the accident.. Sam's home located in a rural area is insured under a DP-2 dwelling form with a $ deductible. He experiences a fire at his home and has to call the local volunteer fire
In New York, continuing education requirements for agents must be satisfied: - ANSWER - Biannually The personal liability section of a Homeowners Policy covers which of the following? - ANSWER - Bodily injury or property damage caused by the personal activities of an insured.. Which of the following statements is false concerning "no-fault" auto insurance? - ANSWER - Negligence must be proved.. In the newest edition of the Commercial Property form, which of the following is now considered part of the building? - ANSWER - Vegetated Roofs. Independent Adjuster - ANSWER - A person, firm or corporation acts on behalf of an insurer. (For profit) Insurance Company Public Adjuster - ANSWER - A person, firm or corporation acts on behalf of an insured. Negotiating certain claims for loss of damage to property. Cancellable Health Insurance - ANSWER - Insurance policies provide insurer right to cancel coverage at any time. Giving number of days notice. (as little as five days) Noncancellable Health Inusurance - ANSWER - Contracts can't be cancelled by an insurer for any reason. Exceptions include fraudulent claim or non-payment of premium. Conditionally Renewable - ANSWER - Policies provide insurer with the right to refuse to renew coverage for certain conditions stated in the policy. Can't refuse to renew on basis of declining health. ERISA - ANSWER - Employee Retirement Income Security Act (1974) Insured's Notice of Claim - ANSWER - Policyholder must give notice of a claim within 20 days or as soon as reasonably possible. Standard Claim Forms - ANSWER - 15 days after notice of claim Proof of Loss - ANSWER - Required 90 days after the end of a period which the insurer is liable. Permanent total disability - ANSWER - Most severe, insurer will never work again. Temporary total disability - ANSWER - Renders insurer incapable of working for a certain time-frame. Recovery is seen Permanent partial disability - ANSWER - Injury that is permanent but won't stop the individual from returning to work. (loss of leg, arm etc)
Temporary partial disability - ANSWER - Least severe, keeps individual out of work for a few days. Elimination period - ANSWER - Time an injured person must be disabled before benefits take effect. Total Benefit - ANSWER - Full amount specified in the insurance policy for the benefit period which he/she is qualified for. Partial Disability - ANSWER - Inability for insured to carry on all the duties of his/her job. Benefits are paid on percentage of lost income. Residual Disability - ANSWER - Based on the proportion of income that the insured has lost. Taking into consideration that he/she can work and earn a portion of their income. Lump Sum Benefits - ANSWER - Dollar amount available for certain permanent partial injuries. Also known as Accidental Death and Dismemberment (AD&D) Comprehensive care - ANSWER - Package of health care services including preventative care, routine physicals, immunizations, hospitalizations, and outpatient services. Health Maintenance Organizations (HMO'S) - ANSWER - Prepaid health care plans with an emphasis on preventative care. Preferred Provider Organizations - ANSWER - Group of physicians and hospitals that contract with employers, insurers, or third party organizations. Providing medical care services at a reduced fee. Annual open enrollment - ANSWER - Period of time during which all members of a group health insurance plan have the opportunity to enroll in certain benefit programs. Medical Savings Account - ANSWER - Employer funded account linked to a high deductible medical plan. Anterior - ANSWER - Front of an individual Anteroposterior - ANSWER - From head to opposite end of body Appendage - ANSWER - A structure that extends ( moves separately) from the main body. Contralateral - ANSWER - On the opposite side. (The left arm is contralateral to the right arm.
Flexion - ANSWER - Bending movement that decreases the angle between two parts. (Bending the elbow, clenching a hand into a fist) Internal Rotation - ANSWER - A rotation of the shoulder or hip that would point the toes or the flexed forearm inwards. Opposition - ANSWER - A motion involving a grasping motion of the thumb and fingers. Plantar flexion - ANSWER - Flexion of the entire foot( Pressing an automobile pedal) Pronation - ANSWER - A rotation of the forearm that moves the palm to a facing down position. Protusion - ANSWER - The anterior movement of an object. ( Applies to the jaw) Protraction - ANSWER - Anterior movement of the arms at the shoulder Reposition - ANSWER - To release an object by spreading the fingers and thumb. Retraction - ANSWER - Posterior movement of the arms at the shoulder. Retrusion - ANSWER - Opposite of protrusion, moving a part posteriorly. Rotation - ANSWER - A motion that occurs when a part turns on its axis. ( Head rotates on the neck) Supination - ANSWER - A rotation of the forearm that moves the palm to a facing up position. Strains - ANSWER - Tearing injuries to muscles. Sprains - ANSWER - Tearing injuries to ligaments. Disclocation - ANSWER - An injury in which the ends of the bones are forced from their normal positions. Fracture - ANSWER - A broken bone. Soft tissue injury - ANSWER - Bruises, ligament sprain, tendon or muscle strain. Hypertension - ANSWER - Persistent high arterial blood pressure. Anemia - ANSWER - Disorder in which hemoglobin is deficient of abnormal. Tachycardia - ANSWER - Excessive rapid heart rate above 100 bpm.
Radiography (X-Ray) - ANSWER - Film records of internal structures of the body passages of gamma rays through the body. Magnetic Resonance Imaging (MRI) - ANSWER - A test that provides pictures of organs and structures inside body using a magnetic field and pulses of radio wave energy. Computerized Tomorgraphy - ANSWER - A special radiographic technique that uses a computer to produce multiple x-rays images into two dimensional cross- sectional images. Contrast agent are iodine based are absorbed by abnormal tissues. Electromyography ( EMG) - ANSWER - A test measuring muscle responses to nerve stimulation. Myelography - ANSWER - A diagnostic procedure where a radiopaque contrast dye is injected into the the spinal canal. Arthroscopy - ANSWER - The introduction of a thin fiber optic scope into a joint space to allow direct visualization of internal structures. Within 90 days - ANSWER - Accidental death and dismemberment benefits must be payable if the loss occurs within time frame. Ambulatory patient services - ANSWER - Care received without being admitted into a hospital, such as a doctor's office, clinic, or same-day, surgery center. Group Underwriting - ANSWER - A group health plan requires no medical examination or statement concerning a person's health. Contributory or Noncontributory - ANSWER - 100% of the eligible employees must be covered under the plan. Group Underwriting - ANSWER - A group health plan requires no medical examination or statement concerning a person's health. Incidental Coverage - ANSWER - A group of persons cannot band together for the sole purpose of purchasing group health insurance coverage. Benefit Eligibility - ANSWER - To be eligible for group health benefits, employees must be in a covered work classifications. Coordination of benefits - ANSWER - This provision contained in most group health contracts is designed to prevent individuals from receiving benefits that exceed their actual expenses, profiting from coverage under multiple policies and prevent overinsurance.
Prosthodontics - ANSWER - Artificial replacements Oral pathology - ANSWER - Microscopic analysis of tissue biopsy material for diagnosis of oral diseases including oral cancer Orthodontics - ANSWER - Correction of irregularities of the teeth( braces)