Liability, Negligence and Damages
You do not need any legal background. Each legal term is explained when it first appears.
About 12 minutes
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Open lesson →Washington Casualty Insurance Exam Prep
Casualty Insurance Basics Study Guide
Explore the lessons in Casualty Insurance Basics. Start with a lesson and review the key ideas. Use lesson questions when available.
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Underwriting Information, Hazards, and Accident Versus Occurrence
Before you start: You should know these plain meanings. An insurer is the insurance company. An applicant is the person or business asking for coverage. A premium is the price paid for coverage. A loss is harm or damage. A claim is a request for payment after a loss. Coverage is the protection the policy promises.
About 9 minutes
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Open lesson →Read a Casualty Policy as One Connected Contract
A casualty policy answers "Will the insurer pay for this?" in pieces. One part names the customer and dates. Another defines words. Another makes the basic promise. Others narrow, add to or change that promise. No single page gives the answer. To read a policy, you take the facts of a loss and check them against each part that applies.
About 15 minutes
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Open lesson →Casualty Limits: How Much a Policy Pays and How Policies Share a Loss
A liability policy's limit is a ceiling, not a promised payment. The insurer pays the smaller of two amounts: the covered damages, or the limit that still applies. This lesson shows how to find that smaller number when several limits stack, when a retention comes first, and when more than one policy covers the same loss.
About 12 minutes
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Open lesson →Policy Duties and Contract Rights in Casualty Insurance
A casualty policy is a contract. Besides saying what is covered, it says who must do what, who holds which rights, and how the contract ends. You will practice reading short clauses and applying them to facts.
About 15 minutes
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