An insured with a Maine standard fire policy wants the policy to also cover windstorm damage to the dwelling. Under the standard fire policy, how must this additional peril be brought into the policy?

By a written endorsement placed on or added to the policy

Under Maine's large commercial contract law, a business that qualifies as a large commercial policyholder must file its certification of that status how often, and with whom?

Each year, with the issuing insurer

Sam took a commercial auto application in Maine on March 4 while unlicensed, earned his property and casualty producer license on April 10, and the insurer issued the policy on April 15. Assuming no statutory exception applies, may the insurer pay Sam a commission on this sale?

No, because Sam had to hold the license when the application was taken

Lightning starts a wildfire, and local fire officials order an insured's barn torn down to keep the fire from spreading to nearby homes. The barn is insured under a Maine standard fire policy. How does the policy's civil authority exclusion apply to the loss of the barn?

It does not apply, since the destruction was ordered to stop the fire from spreading

Jordan is required to be licensed as a producer in Maine but holds no license. Jordan solicits several clients, and the licensed producer who places the business wants to give Jordan part of each commission. Under Maine law, which statement is correct?

Payment is barred, because Jordan solicited insurance without a required license

A private passenger auto policy was renewed effective March 1. In June, the insurer learns that a household member who customarily drives the insured car had a driver's license revoked on January 15 of that year. Under the Automobile Insurance Cancellation Control Act, may the insurer cancel the policy midterm on this ground?

Yes, because for a renewal the ground reaches revocations in the 180 days before it took effect

A new Maine private passenger auto policy has been in effect for 40 days when the named insured receives a notice of cancellation. The stated reason is the insurer's reassessment of the risk, which is not among the reasons listed in the cancellation-reasons section of the Automobile Insurance Cancellation Control Act. Which statement is correct?

Neither the listed-reasons rule nor the superintendent hearing provision applies yet

Raj lives in his home state and applies for a Maine nonresident insurance producer license. Which status in his home state does Maine law make a condition of issuing him that license?

He currently holds a resident producer license there in good standing

A Maine casualty insurer gives an insured proper written notice that a liability policy will not be renewed. Before the expiration date, the insurer extends the policy for 60 days so the insured has more time to find replacement coverage. Must the insurer send another notice of nonrenewal before the extended policy ends?

No, because the extension runs 90 days or less after a proper notice

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1.An insured with a Maine standard fire policy wants the policy to also cover windstorm damage to the dwelling. Under the standard fire policy, how must this additional peril be brought into the policy?
Answer: D. By a written endorsement placed on or added to the policy
The other perils or subjects provision of the Maine standard fire policy requires any added peril, or any added subject of insurance, to be brought in by a written endorsement placed on the policy or added to it. Windstorm is such an added peril, so a written endorsement is the route. A separate policy is not required, because the provision itself allows the peril to be added to this one, and the standard form's insuring clause already reaches lightning and removal as well as fire. The provision ties the addition to a written endorsement, not to a mailed request or to an agent's oral approval.
Source
Me. Rev. Stat. tit. 24-A, Sec. 3002(1) (Maine standard fire policy, General Conditions and Stipulations: Other perils or subjects)
Choose an answer to see the explanation.
2.Under Maine's large commercial contract law, a business that qualifies as a large commercial policyholder must file its certification of that status how often, and with whom?
Answer: C. Each year, with the issuing insurer
A large commercial policyholder must file its certification annually, and it files that certification with the insurer. The insurer, in turn, must keep underwriting files, premium, loss and expense statistics, claims records, the policyholder's written certification and related financial records, all subject to the superintendent's examination. The superintendent examines records rather than receiving the annual filing, a one-time filing at issuance falls short of the annual requirement, and a three-year cycle is not the period the section sets.
Source
Me. Rev. Stat. tit. 24-A, Sec. 2412-A(3)
Choose an answer to see the explanation.
3.Sam took a commercial auto application in Maine on March 4 while unlicensed, earned his property and casualty producer license on April 10, and the insurer issued the policy on April 15. Assuming no statutory exception applies, may the insurer pay Sam a commission on this sale?
Answer: A. No, because Sam had to hold the license when the application was taken
Maine bars an insurer from paying, directly or indirectly, a commission to an unlicensed person on a sale of insurance on a Maine risk unless the person was licensed as a producer for that kind of insurance at the time the application was taken. Sam took the application on March 4 and was not licensed until April 10, so a license in place by the issue date does not cure the gap. Routing the money through an agency is an indirect payment, which the section reaches as well. Apart from the exception the stem sets aside, the section's test is the license at the time of application, so reporting to the superintendent in advance does not change the answer.
Source
Me. Rev. Stat. tit. 24-A, Sec. 1450(1)
Choose an answer to see the explanation.
4.Lightning starts a wildfire, and local fire officials order an insured's barn torn down to keep the fire from spreading to nearby homes. The barn is insured under a Maine standard fire policy. How does the policy's civil authority exclusion apply to the loss of the barn?
Answer: B. It does not apply, since the destruction was ordered to stop the fire from spreading
Among the perils not included, the Maine standard fire policy lists loss caused by order of a civil authority, but it carves out acts of destruction carried out at the time of a fire and to prevent its spread, provided that fire did not begin from a peril the policy excludes. Lightning is a peril the policy insures, so the carve-out applies and the exclusion does not bar the loss. The carve-out's conditions are the timing and purpose of the destruction and the origin of the fire; it says nothing about the building already burning, and it appears in the printed policy rather than in an endorsement.
Source
Me. Rev. Stat. tit. 24-A, Sec. 3002(1) (Maine standard fire policy, General Conditions and Stipulations: Perils not included, item (h))
Choose an answer to see the explanation.
5.Jordan is required to be licensed as a producer in Maine but holds no license. Jordan solicits several clients, and the licensed producer who places the business wants to give Jordan part of each commission. Under Maine law, which statement is correct?
Answer: D. Payment is barred, because Jordan solicited insurance without a required license
An insurer or a producer may not pay a commission, service fee, brokerage or other valuable consideration to someone for selling, soliciting or negotiating insurance in Maine if that person must be licensed and is not. Jordan solicited insurance without a required license, so the producer may not share the commission. The prohibition reaches producers as well as insurers, covers any valuable consideration rather than only payments labeled commissions, and sets no percentage below which a share is allowed.
Source
Me. Rev. Stat. tit. 24-A, Sec. 1420-L(1) (Commissions)
Choose an answer to see the explanation.
6.A private passenger auto policy was renewed effective March 1. In June, the insurer learns that a household member who customarily drives the insured car had a driver's license revoked on January 15 of that year. Under the Automobile Insurance Cancellation Control Act, may the insurer cancel the policy midterm on this ground?
Answer: A. Yes, because for a renewal the ground reaches revocations in the 180 days before it took effect
Sec. 2914(4) makes it a permitted cancellation reason that the named insured, or an operator who lives in the household or customarily drives an insured auto, has a license suspended or revoked within the policy term, or, for a renewal policy, within its term or the 180 days just before it took effect. January 15 is within 180 days before March 1, and the driver is a household member who customarily operates the car, so the ground exists. The reason therefore reaches beyond the current term and beyond the named insured's own license. Because the revocation is itself a listed cancellation reason, the insurer may act on it midterm rather than waiting for nonrenewal.
Source
Me. Rev. Stat. tit. 24-A, Sec. 2914(4)
Choose an answer to see the explanation.
7.An auto insured covered by the Maine Automobile Insurance Cancellation Control Act requests a hearing to contest the insurer's cancellation. After the hearing, the superintendent finds in favor of the insurer. To give the insured time to obtain other coverage, the superintendent may order the policy to remain in force for how long?
Answer: D. 14 days
Sec. 2920 lets the superintendent order the policy kept in effect while the hearing is pending and, if the ruling favors the insured, afterward as well. If the ruling favors the insurer, the superintendent may still order the policy kept in force for 14 days so the insured can find other coverage. The section names 14 days for that order; 10, 30 and 60 days are not the period it provides for this purpose. The insurer carries the burden of proving its reason at the hearing.
Source
Me. Rev. Stat. tit. 24-A, Sec. 2920
Choose an answer to see the explanation.
8.A new Maine private passenger auto policy has been in effect for 40 days when the named insured receives a notice of cancellation. The stated reason is the insurer's reassessment of the risk, which is not among the reasons listed in the cancellation-reasons section of the Automobile Insurance Cancellation Control Act. Which statement is correct?
Answer: C. Neither the listed-reasons rule nor the superintendent hearing provision applies yet
Sec. 2914 states that the section, including its list of permitted cancellation reasons, does not apply to a policy or coverage in effect less than 60 days when the named insured receives the notice of cancellation, and that the hearing provision in section 2920 does not apply to such a policy either. At 40 days the insurer is not confined to the listed reasons, so the cancellation does not fail for lacking one, and the insurer is not required to prove fraud or misrepresentation. For the same reason, the insured cannot obtain the superintendent hearing.
Source
Me. Rev. Stat. tit. 24-A, Sec. 2914
Choose an answer to see the explanation.
9.Raj lives in his home state and applies for a Maine nonresident insurance producer license. Which status in his home state does Maine law make a condition of issuing him that license?
Answer: B. He currently holds a resident producer license there in good standing
One condition for a Maine nonresident producer license is that the applicant currently holds a resident producer license in good standing in his home state. A license held at some earlier time fails the requirement that it be current, and a pending application is not a license at all. Passing Maine's own producer examination is not among the conditions listed in that provision.
Source
Me. Rev. Stat. tit. 24-A, Sec. 1420-G(1)(A) (Nonresident licensing)
Choose an answer to see the explanation.
10.A Maine casualty insurer gives an insured proper written notice that a liability policy will not be renewed. Before the expiration date, the insurer extends the policy for 60 days so the insured has more time to find replacement coverage. Must the insurer send another notice of nonrenewal before the extended policy ends?
Answer: D. No, because the extension runs 90 days or less after a proper notice
Sec. 2908(5)(B) makes a nonrenewal ineffective earlier than 30 days after the insured receives written notice, and it adds that when an insurer has given that notice and then extends the policy for 90 days or less, an additional notice of nonrenewal is not required for the extension. A 60-day extension falls within that limit, so the original notice carries over. Each answer that demands a further notice, whether a restarted 30-day notice, a 10-day notice or one tied to the insured's written consent, is contradicted by that sentence.
Source
Me. Rev. Stat. tit. 24-A, Sec. 2908(5)(B)
Choose an answer to see the explanation.

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1.An insured with a Maine standard fire policy wants the policy to also cover windstorm damage to the dwelling. Under the standard fire policy, how must this additional peril be brought into the policy?

2.Under Maine's large commercial contract law, a business that qualifies as a large commercial policyholder must file its certification of that status how often, and with whom?

3.Sam took a commercial auto application in Maine on March 4 while unlicensed, earned his property and casualty producer license on April 10, and the insurer issued the policy on April 15. Assuming no statutory exception applies, may the insurer pay Sam a commission on this sale?

4.Lightning starts a wildfire, and local fire officials order an insured's barn torn down to keep the fire from spreading to nearby homes. The barn is insured under a Maine standard fire policy. How does the policy's civil authority exclusion apply to the loss of the barn?

5.Jordan is required to be licensed as a producer in Maine but holds no license. Jordan solicits several clients, and the licensed producer who places the business wants to give Jordan part of each commission. Under Maine law, which statement is correct?

9.Raj lives in his home state and applies for a Maine nonresident insurance producer license. Which status in his home state does Maine law make a condition of issuing him that license?

The other 405 questions are $29.