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California Insurance Exam Prep
California Insurance Exam Prep
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Chapter 23
Personal Auto
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California's Financial Responsibility Law
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The ISO PAP: eligibility and who is an insured
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Where the PAP applies, car pools vs. for-hire use, and shared rides
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"Your covered auto," newly acquired autos and vacation rentals
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Primary, excess and "other insurance"
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Proposition 103 rating, the Good Driver Discount, credit and driving records
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Cancelling and nonrenewing a California auto policy
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Transportation network company (TNC) drivers
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Personal vehicle sharing
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Part A Liability: limits, supplementary payments, out-of-state coverage and exclusions
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Part B Medical Payments
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Uninsured motorists coverage: required unless deleted in writing
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Underinsured drivers, hit-and-run, stacking and uninsured property damage
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Part D: collision, Other Than Collision and deductibles
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Settling a physical damage claim
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Common auto endorsements (1): odd vehicles, Mexico, towing, trusts and joint owners
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Common auto endorsements (2): GAP, non-owners, company cars, transportation limits and custom equipment
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CAARP (1): purpose, certified producers, eligibility and placement
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CAARP (2): coverages and limits, binding, and commercial risks
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California's Low-Cost Automobile Insurance (CLCA) program
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Recreational vehicles and motorcycles
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