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Personal Lines

Provider
Pearson VUE
Format
Computer-based written examination
Exam questions
General knowledge: 75 scoreable questions plus 5 pretest questions; Maine-specific: 25 scoreable questions. Published section allocations: general I 10, II 13, III 28, IV 24; Maine-specific I 20, II 5.
Time limit
2 hours
Passing score
Scaled score of 70 on a zero-to-100 scale
Exam fee
$55
Examination outline
  • I. TYPES OF PROPERTY POLICIES
    • A. Homeowners
    • A. Homeowners / 1. HO-2
    • A. Homeowners / 2. HO-3
    • A. Homeowners / 3. HO-4
    • A. Homeowners / 4. HO-5
    • A. Homeowners / 5. HO-6
    • A. Homeowners / 6. HO-8
    • B. Dwelling policies
    • B. Dwelling policies / 1. DP-1
    • B. Dwelling policies / 2. DP-2
    • B. Dwelling policies / 3. DP-3
    • C. Inland marine
    • C. Inland marine / 1. Personal Articles floaters
    • D. National Flood Insurance Program
    • E. Others
    • E. Others / 1. Earthquake
    • E. Others / 2. Mobile Homes
    • E. Others / 3. Watercraft
    • E. Others / 4. Windstorm
  • II. TYPES OF CASUALTY POLICIES
    • A. Automobile: personal auto
    • A. Automobile: personal auto / 1. Liability
    • A. Automobile: personal auto / 1. Liability / a. Bodily Injury
    • A. Automobile: personal auto / 1. Liability / b. Property Damage
    • A. Automobile: personal auto / 1. Liability / c. Split Limits
    • A. Automobile: personal auto / 1. Liability / d. Combined Single Limit
    • A. Automobile: personal auto / 2. Medical Payments
    • A. Automobile: personal auto / 3. Physical Damage (collision; other than collision; specified perils)
    • A. Automobile: personal auto / 4. Uninsured motorists
    • A. Automobile: personal auto / 5. Underinsured motorists
    • A. Automobile: personal auto / 6. Who is an insured
    • A. Automobile: personal auto / 7. Types of Auto
    • A. Automobile: personal auto / 7. Types of Auto / a. Owned
    • A. Automobile: personal auto / 7. Types of Auto / b. Non-owned
    • A. Automobile: personal auto / 7. Types of Auto / c. Hired
    • A. Automobile: personal auto / 7. Types of Auto / d. Temporary Substitute
    • A. Automobile: personal auto / 7. Types of Auto / e. Newly Acquired Autos
    • A. Automobile: personal auto / 7. Types of Auto / f. Transportation Expense and Rental Reimbursement Expense
    • A. Automobile: personal auto / 8. Exclusions
    • B. Umbrella/Excess liability
  • III. PROPERTY AND CASUALTY INSURANCE TERMS AND RELATED CONCEPTS
    • A. Insurance
    • A. Insurance / 1. Law of Large Numbers
    • B. Insurable interest
    • C. Risk
    • C. Risk / 1. Pure vs. Speculative Risk
    • D. Hazard
    • D. Hazard / 1. Moral
    • D. Hazard / 2. Morale
    • D. Hazard / 3. Physical
    • E. Peril
    • F. Loss
    • F. Loss / 1. Direct
    • F. Loss / 2. Indirect
    • G. Loss Valuation
    • G. Loss Valuation / 1. Actual cash value
    • G. Loss Valuation / 2. Replacement cost
    • G. Loss Valuation / 3. Market value
    • G. Loss Valuation / 4. Stated value
    • G. Loss Valuation / 5. Salvage value
    • H. Proximate cause
    • I. Deductible
    • J. Indemnity
    • K. Limits of liability
    • L. Coinsurance/Insurance to value
    • M. Occurrence
    • N. Cancellation
    • O. Nonrenewal
    • P. Vacancy and unoccupancy
    • Q. Liability
    • Q. Liability / 1. Absolute
    • Q. Liability / 2. Strict
    • Q. Liability / 3. Vicarious
    • R. Negligence
    • S. Binder
    • T. Endorsements
    • U. Blanket vs. Specific
    • V. Burglary, Robbery, Theft, and Mysterious Disappearance
    • W. Warranties
    • X. Representations
    • Y. Concealment
    • Z. Deposit Premium/Audit
    • AA. Certificate of Insurance
    • BB. Damages
    • BB. Damages / 1. Compensatory
    • BB. Damages / 1. Compensatory / a. General
    • BB. Damages / 1. Compensatory / b. Special
    • BB. Damages / 2. Punitive
    • CC. Compliance with Provisions of Fair Credit Reporting Act
  • IV. PROPERTY AND CASUALTY POLICY PROVISIONS AND CONTRACT LAW
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • G. Obligations of the insurance company
    • H. Mortgagee rights
    • I. Proof of loss
    • J. Notice of claim
    • K. Appraisal
    • L. Other Insurance Provision
    • M. Subrogation
    • N. Elements of a contract
    • O. Sources of underwriting information
    • P. Fair Credit Reporting Act
    • Q. Privacy Protection (Gramm Leach Bliley)
    • R. Policy Application
    • S. Terrorism Risk Insurance Act (TRIA)
    • T. Cancellation and nonrenewal provisions
    • U. Supplementary payments
    • V. Loss settlement provisions including consent to settle a loss
    • W. Territory
  • I. MAINE LAWS AND RULES COMMON TO PROPERTY, CASUALTY & PERSONAL LINES INSURANCE
    • A. Superintendent of Insurance
    • A. Superintendent of Insurance / 1. Broad powers
    • A. Superintendent of Insurance / 2. Notice and hearing
    • B. Definitions
    • B. Definitions / 1. Authorized, unauthorized, and certificate of authority
    • B. Definitions / 2. Surplus Lines law
    • B. Definitions / 3. Domestic, foreign, and alien
    • B. Definitions / 4. Stock and mutual
    • B. Definitions / 5. Transacting insurance
    • B. Definitions / 6. Maine Insurance Guaranty Association
    • B. Definitions / 7. Subrogation
    • C. Licensing requirements and Limitations
    • C. Licensing requirements and Limitations / 1. Types of licenses
    • C. Licensing requirements and Limitations / 1. Types of licenses / a. Producer
    • C. Licensing requirements and Limitations / 1. Types of licenses / b. Consultant
    • C. Licensing requirements and Limitations / 1. Types of licenses / c. Temporary
    • C. Licensing requirements and Limitations / 1. Types of licenses / d. Nonresident
    • C. Licensing requirements and Limitations / 1. Types of licenses / e. Adjuster
    • C. Licensing requirements and Limitations / 1. Types of licenses / f. Business entity
    • C. Licensing requirements and Limitations / 1. Types of licenses / g. Apprentice
    • C. Licensing requirements and Limitations / 2. Exemptions/exceptions
    • C. Licensing requirements and Limitations / 3. Appointment
    • C. Licensing requirements and Limitations / 4. License refusal, termination, expiration, revocation, suspension and nonrenewal
    • C. Licensing requirements and Limitations / 5. Continuing Education
    • D. Marketing and underwriting practices
    • D. Marketing and underwriting practices / 1. Unfair practices
    • D. Marketing and underwriting practices / 1. Unfair practices / a. Claims methods and practices
    • D. Marketing and underwriting practices / 1. Unfair practices / b. Excess charges
    • D. Marketing and underwriting practices / 1. Unfair practices / c. Rebating
    • D. Marketing and underwriting practices / 1. Unfair practices / d. Discrimination
    • D. Marketing and underwriting practices / 1. Unfair practices / e. Misrepresentation
    • D. Marketing and underwriting practices / 1. Unfair practices / f. Defamation
    • D. Marketing and underwriting practices / 1. Unfair practices / g. False information and advertising
    • D. Marketing and underwriting practices / 1. Unfair practices / h. Twisting
    • D. Marketing and underwriting practices / 1. Unfair practices / i. Penalties
    • D. Marketing and underwriting practices / 2. Producer responsibilities
    • D. Marketing and underwriting practices / 3. Compensation of licensees
    • D. Marketing and underwriting practices / 4. Roll-on coverages
    • D. Marketing and underwriting practices / 5. Surplus Lines
    • D. Marketing and underwriting practices / 6. Privacy
    • E. Cancellation and nonrenewal provisions
    • E. Cancellation and nonrenewal provisions / 1. Personal lines
  • II. MAINE LAWS AND RULES PERTINENT TO PERSONAL LINES INSURANCE
    • A. Automobile insurance
    • A. Automobile insurance / 1. Uninsured/Underinsured motorists
    • A. Automobile insurance / 2. Excluded member of household
    • A. Automobile insurance / 3. Financial responsibility
    • A. Automobile insurance / 4. Maine Automobile Insurance Plan
    • A. Automobile insurance / 4. Maine Automobile Insurance Plan / a. Personal auto
    • A. Automobile insurance / 4. Maine Automobile Insurance Plan / b. Commercial
    • A. Automobile insurance / 5. Rental Vehicle Coverage
    • A. Automobile insurance / 6. Transportation Network Company/Peer to peer coverage
    • B. Maine Standard Fire Policy
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