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Chapter 8 P&C KS Flashcards | StudBud
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Chapter 8 P&C KS
Chapter 8 P&C KS
30 terms
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Test your knowledge on insurance requirements and regulations in Kansas
Flashcards
30 cards
F
Practice quiz
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Host live
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Questions
30
Answers
1
How many days does the UIM insurer have to pay after receiving a settlement notice?
45
90
60
30
2
The Kansas Automobile Insurance Plan is for those who:
A) Have excellent driving records
B) Cannot obtain insurance in the standard market
D) Need SR-22 filings only
C) Want the cheapest rates
3
What is the minimum Kansas liability limit per accident for Bodily Injury?
B) $30,000
A) $25,000
C) $50,000
D) $100,000
4
PIP benefits are overdue if not paid within how many days of notice?
45
15
60
30
5
Accident prevention courses must be at least how many hours?
6
4
8
2
6
Underinsured Motorist Coverage applies when:
A) The at-fault driver has no insurance
D) The insurer cancels the policy
B) The at-fault driver has less insurance than the injuries cost
C) The insured has no coverage
7
Temporary total disability benefits apply when:
A) The employee dies
D) The employee changes jobs
B) The employee is permanently disabled
C) The employee is temporarily unable to work
8
29. A proportional share rule applies when:
D) The insurer cancels the policy mid-term
A) Multiple insurers provide collision coverage
B) Multiple employers are responsible for a work injury
C) The employee files multiple claims
9
The Kansas Automobile Insurance Plan offers:
D) Umbrella coverage
A) Full coverage
C) Basic liability coverage
B) Comprehensive only
10
Personal Injury Protection (PIP) coverage is required for:
D) Only passengers with insurance
A) Only the named insured
B) The insured and family members
C) Anyone in the insured vehicle
11
30. An employer may self-insure for Workers’ Comp if they:
C) Only have temporary employees
A) File bankruptcy
D) Have no claims history
B) Are approved by the state as a self-insurer
12
To be eligible for the Kansas Automobile Insurance Plan, a driver must:
D) Have an international license
B) Have a valid license
C) Have never filed a claim
A) Be under 21
13
Uninsured Motorist Coverage is required in Kansas for:
A) Property Damage
B) Physical Damage
C) Bodily Injury
D) Comprehensive
14
Workers’ Comp medical expenses are covered:
Up to $100,000
Up to $50,000
Only if approved by OSHA
With no dollar or time limit
15
The insured may reject Uninsured Motorist Coverage:
B) In writing
D) By notifying the DMV
A) Verbally
C) By paying a fee
16
Insurers may exclude UM coverage if:
A) There is reliable evidence of contact with an uninsured vehicle
C) Workers’ Comp benefits apply
D) The uninsured driver leaves the scene
B) The uninsured vehicle is owned by a private individual
17
Burial allowance under Kansas Workers’ Comp is:
$5,000
$3,500
$2,000
$7,500
18
The accident prevention discount can be removed if the insured:
C) Is in an at-fault accident
A) Files a homeowner’s claim
D) Moves to another state
B) Gets one parking ticket
19
Kansas Workers’ Comp covers:
Only medical expenses
Only accidents caused by co-workers
Medical and temporary disability only
Multiple benefits, including disability and burial
20
Workers’ Comp insurers share the risk in the Kansas Workers Compensation Insurance Plan based on:
State lottery
Market share
Employee vote
Random selection
21
Overdue PIP payments accrue interest at what annual rate?
15%
18%
12%
20%
22
How many days’ notice is required before an insurer cancels a policy in Kansas (except for nonpayment)?
B) 15 days
A) 10 days
D) 30 days
C) 20 days
23
Survivor’s benefits under Workers’ Comp are paid to:
A) The state
B) The employer
D) The insurer
C) The employee’s dependents
24
How long is the accident prevention discount effective after completing the course?
B) 2 years
C) 3 years
D) 5 years
A) 1 year
25
Workers Compensation insurance is compulsory for most Kansas employers except:
Construction companies
Employers with more than 50 employees
Tech companies
Employers with payroll under $20,000
26
An uninsured motor vehicle includes a vehicle where:
C) The liability insurer is insolvent
B) The driver is a government employee
A) The driver lacks collision insurance
D) The driver has expired registration
27
Agricultural employers in Kansas are:
Required to carry Workers’ Comp
Only covered if they employ over 10 workers
Covered by federal plans only
Exempt from Workers’ Comp laws
28
A real estate agent acting as an independent contractor:
May be exempt from Workers’ Comp
Is always an employee
Can’t buy liability insurance
Must carry Workers’ Comp
29
Disfigurement benefits under Workers’ Comp apply when:
The employer is at fault
The employee misses work for more than a year
Only facial disfigurement occurs
The employee suffers permanent disfigurement
30
What is the minimum Kansas liability limit per person for Bodily Injury?
$15,000
$50,000
$30,000
$25,000
