State Exam questions, need help

State Exam questions, need help

by Deleted user -
Number of replies: 16

In my 220 book, I didn't see much information about Mobile Homes.

 Question on the exam was: 


In case of property damage caused by hurricane or other perils, does an insurance company help to move the mobile home to a new location if the area becomes unlivable?


Another question, also from the state exam:


What is a good example of Other than collision accidents?

a) Jim was driving out of his driveway and backed into neighbors garage door

b) Jim was driving and ran into a poll damaging his front bumber ( i chose this answer and it was incorrect)

c) jim was driving on a rural road and hit a deer

d) colliding with a motorcycle (X) 

And last question. What government entity is responsible for taking possession of an abandoned property? and it lists a few official names, which I cannot remember, one is Insurance agent association ( which I know it's not the right answer)


Your help is greatly appreciated.

 Taking my exam for the THIRD time tomorrow, I failed the other two. I keep on pressing forward and not giving up! Also, wanted to let everyone know that I've learned with Pearson Vue ( testing company) that if you want after completing the 220 class, you may also sit for 20-44 license without taking a separate course 220 is the same, minus the commercial, marine, aviation, business. That is, of course, if you failed your 220, like I did. So, my plan is to take 2044 and then take 220, once I get 2044. This was you can start working right away.

 

In reply to Deleted user

Re: State Exam questions, need help

by Deleted user -

The question about the collision would be the hitting of the deer because hitting an animal is an excluded in the Collision definition. I'm unable to locate the mobile home  question . I will keep searching. Hope this helped.

In reply to Deleted user

Re: State Exam questions, need help

by Deleted user -

Thank you for your answer. :)

This happened to be on the test 3 times. Why I got a little thrown off is that two of the other  answers for 'OTHER THAN COLLISION' were:


1) backing into the neighbor's garage 

2) running into a pole and scratching the front bumper

3) hitting a deer

4) being hit by a motorcycle 


You see how tricky the other answers are? It makes you think: does hitting a garage door is considered colliding with an object? 

Same with a light pole. It twists your mind to think, geez, which one is the right answer? :) ( he he) 

Anyways, thanks for the answer.  


In reply to Deleted user

Re: State Exam questions, need help

by Jan Bradburn- -

An accident is considered a Collision when you are expected to have the vehicle "under control" and you hit something.  When your vehicle "hits" another object it is considered a collision.  The exception to this is hitting an animal.  This is because often the animal runs in front of the vehicle unexpectedly and even if you have the vehicle under control you can't stop.  

Other Than Collision is when you are not expected to have your vehicle under control.  Examples of this are: falling objects, vandalism, hail, flood, etc.  

Jan

In reply to Jan Bradburn-

Re: State Exam questions, need help

by Deleted user -

Jan,


You always explain it so well. I love how you explained this one, it makes SO much sense. Thank you!!! :)

In reply to Deleted user

Re: State Exam questions, need help

by Jan Bradburn- -

Joana, 

Robert is correct regarding the Collision question.  Hitting an animal is an "other than collision" claim. 

As far as the mobile home and abandoned property question - these are likely examples of questions that do not count toward your score.  Pearson Vue is "testing" these questions and there are 15 total on the 2-20 exam.  If you can't find the answer in the state manual, then the questions are "pre-test" questions. 

You can take the 20-44  exam instead of the 2-20 exam.  It tests on the same material minus commercial lines of insurance.  Keep in mind that the 20-44 test has a lot of the same information as the 2-20 exam.  I've found that many of the questions missed by students are in the FL Statutes, auto and property sections of the 2-20 test.  These questions are the same on the 20-44 exam.  Marine, Aviation, etc is a small part of the 2-20 exam  The real benefit of the 20-44 exam is you don't have questions on CPP and CGL insurance. 

Jan  


In reply to Jan Bradburn-

Re: State Exam questions, need help

by Deleted user -

Hi Jan,


Yes, I did pass the 2044 and yes indeed it was the same as 220 minus the commercial. I am going to start studying back up for the 220 and take it again until I pass. 2044 shortcut allowed me to start working as an agent and start making money. It allowed me to get appointed with Ocean Harbor Insurance, which is located in South Florida. 

I realize that 220 is super important, because it's the Top of the line license and as 2044 I still have to work with 220 agent to make it legal. I can open an agency with 2044, but still need the 220 working with me. 

Thanks for the info on the pre-exam questions. I was a little surprised when I saw some of those questions and was even more surprised that I could not find them in the book :)

As I mentioned before, those who are taking the 220 exam, please don't get discouraged, do what I did, schedule an EXAM REVIEW ( it's Free) and retake the exam ASAP before you forget what you missed on the test. Keep a note pad ready and a pen and write down what I saw you missed on the test and go back to the book and find your answers. Retake the exam again. Don't give up guys! You can do it!


In reply to Deleted user

Re: State Exam questions, need help

by Jan Bradburn- -

Joana, 

Congrats on passing the 20-44 exam.  One correction to your earlier post - you do not have work work with a 2-20 agent to "make it legal" on any personal lines of insurance you sell.  You only have to work with a licensed 2-20 agent on commercial insurance. 

Jan

In reply to Jan Bradburn-

Re: State Exam questions, need help

by Deleted user -

Thank you so much for clarifying that for me, Jan! 

I also noticed hat when looking for a job opportunity with an agency, many post lolling for 220 or 440 license. I believe many are unaware of the 2044 license, since it's fairly new. 

In reply to Deleted user

Re: State Exam questions, need help

by Jan Bradburn- -

Joana, 

You are correct.  I also agree the 20-44 license is under-used in many agencies.

Jan

In reply to Deleted user

Re: State Exam questions, need help

by Surry DeJohn -
Hi Joana 


Where did you schedule an exam review


Thank you for the encouragement 

In reply to Surry DeJohn

Re: State Exam questions, need help

by Deleted user -

Hi  Surry,


You call Pearson Vue ( the testing company) and just say 'I would like to schedule my last attempt's review' and they will schedule one for you immediately. Pearson Vue does everything by appointment. But I also found that if let's say they gave you 6:00 appt. and you don't want to wait till 6, show up before 6 and say 'Hi I'm here early' and they'll let you in.

Good luck !!!!

In reply to Deleted user

Re: State Exam questions, need help

by Samuel Summers -

Is the Exam Review a practice test conducted by Pearson Vue? I consistently get 89s on the state practice exam but am not sure if I am ready after reading this...

In reply to Samuel Summers

Re: State Exam questions, need help

by Jan Bradburn- -

Samuel, 

The exam review is not a practice test, it is a review that's available is you fail your previous test.  If you fail your state exam you're given your final score with a high-level breakdown of your grade.  The exam review allows you view the entire test and see which questions you missed. 

Good luck!

Jan

In reply to Jan Bradburn-

Re: State Exam questions, need help

by Jan Bradburn- -

I would also add - a good practice exam for the state exam, is the state exam. The best-case scenario is that you pass on your first attempt; and a worst-case scenario is that you fail but you know exactly what to expect on your second attempt. :)  

Jan