# ************************************************************
# Sequel Ace SQL dump
# Version 20051
#
# https://sequel-ace.com/
# https://github.com/Sequel-Ace/Sequel-Ace
#
# Host: 127.0.0.1 (MySQL 8.0.27)
# Database: examtx-10
# Generation Time: 2023-09-27 21:09:16 +0000
# ************************************************************




# Dump of table answers
# ------------------------------------------------------------


CREATE TABLE `answers` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `question_id` bigint unsigned DEFAULT NULL,
  `answer` longtext COLLATE utf8mb4_unicode_ci,
  `is_correct` tinyint(1) NOT NULL DEFAULT '0',
  `created_at` timestamp NULL DEFAULT NULL,
  `updated_at` timestamp NULL DEFAULT NULL,
  PRIMARY KEY (`id`),
  KEY `answers_question_id_foreign` (`question_id`),
  CONSTRAINT `answers_question_id_foreign` FOREIGN KEY (`question_id`) REFERENCES `questions` (`id`) ON DELETE CASCADE
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;


INSERT INTO `answers` (`id`, `question_id`, `answer`, `is_correct`, `created_at`, `updated_at`)
VALUES
	(701,59,'$4,000',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(702,59,'$8,000',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(703,59,'$2,000',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(704,59,'$12,000',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(705,60,'Declarations',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(706,60,'Insuring agreement',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(707,60,'Conditions',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(708,60,'Exclusions',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(709,61,'Other Insurance',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(710,61,'Arbitration',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(711,61,'Assignment',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(712,61,'Abandonment',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(713,62,'61 days',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(714,62,'60 days',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(715,62,'90 days',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(716,62,'91 days',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(717,63,'Declarations',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(718,63,'Insuring agreement',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(719,63,'Conditions',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(720,63,'Exclusions',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(721,64,'fixed',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(722,64,'estimated',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(723,64,'in dollars',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(724,64,'more than personal policies',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(725,65,'arbitration',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(726,65,'appraisal',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(727,65,'subrogation',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(728,65,'notice of loss',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(729,66,'subrogation',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(730,66,'notice of loss',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(731,66,'Other Insurance clause',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(732,66,'prop rata method',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(733,67,'the unearned premium',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(734,67,'the earned premium',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(735,67,'a short rate refund',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(736,67,'notice of nonrenewal',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(737,68,'liberalization',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(738,68,'subrogation',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(739,68,'abandonment',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(740,68,'assignment',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(741,69,'Declarations',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(742,69,'Insuring Agreement',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(743,69,'Conditions',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(744,69,'Exclusions',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(745,70,'90 days',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(746,70,'180 days',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(747,70,'1 year',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(748,70,'3 years',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(749,71,'short rate',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(750,71,'pro rata',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(751,71,'earned premium',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(752,71,'unearned premium',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(753,72,'named insured',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(754,72,'first named insured',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(755,72,'spouse',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(756,72,'lender',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(757,73,'making a counter offer',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(758,73,'paying a premium',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(759,73,'a 19 year old applicant',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(760,73,'issuing a policy',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(761,74,'Misspelling your name.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(762,74,'Listing your address as 201 when it is actually 210.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(763,74,'Stating your truck is not used in business when it actually is.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(764,74,'Truthfully saying you have one speeding ticket.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(765,75,'can void the policy',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(766,75,'must void the policy',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(767,75,'will call the police',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(768,75,'will issue the policy',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(769,76,'on applications',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(770,76,'in fraud',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(771,76,'in material misrepresentations',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(772,76,'in representations',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(773,77,'The insured\'s legal name.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(774,77,'The insured\'s promises to install an operating fire alarm.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(775,77,'The insured\'s promises to let the insurer inspect the property.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(776,77,'The insured\'s credit report.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(777,78,'Certificates of Insurance',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(778,78,'Written binders',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(779,78,'Oral binders',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(780,78,'Endorsements',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(781,79,'they are issued by insurers.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(782,79,'An officer of the insurer must sign them.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(783,79,'They must be in writing.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(784,79,'All three are true.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(785,80,'prescription drugs',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(786,80,'tools in a shed',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(787,80,'a horse trailer',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(788,80,'inventory of pirated CDs',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(789,81,'They are temporary insurance agreements.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(790,81,'They expire in 30 days.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(791,81,'They expire on policy issuance.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(792,81,'They must be canceled with a 12 day notice of cancellation.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(793,82,'The Fair Credit Reporting Act governs a consumer\'s privacy.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(794,82,'The Gramm Leach Bliley Act protects a consumer\'s credit.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(795,82,'The federal government regulates insurance only to the extent that states do not.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(796,82,'The states regulate financial strength rating companies.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(797,83,'Company A will pay $16,000; Company B will pay $8,000.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(798,83,'Company A will pay $20,000; Company B will pay $4,000.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(799,83,'Company A will pay $12,000; Company B will pay $12,000.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(800,83,'Company A will pay $24,000; Company B will pay $0.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(801,84,'A binder',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(802,84,'A claims-made form',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(803,84,'Proof of loss',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(804,84,'Notice of claim',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(805,85,'The person must be mentally competent to understand the contract.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(806,85,'The person must have at least completed secondary education.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(807,85,'The person must not be under the influence of drugs or alcohol.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(808,85,'The person must be of legal age.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(809,86,'Exclusions.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(810,86,'Declarations.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(811,86,'Endorsements.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(812,86,'Conditions.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(813,87,'Endorsements',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(814,87,'Additional coverage form',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(815,87,'Conditions',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(816,87,'Flexible policy',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(817,88,'Supplemental Payments',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(818,88,'Exclusions',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(819,88,'Declarations',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(820,88,'Loss Payment',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(821,89,'Cancel the insured\'s policy',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(822,89,'Refuse new business',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(823,89,'Get the insured\'s consent',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(824,89,'Sue the claimant',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(825,90,'Return any premiums to the insured.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(826,90,'Notify the insured in the event of financial difficulty.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(827,90,'Pay covered losses.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(828,90,'Provide advance notice of cancellation.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(829,91,'Cancellation.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(830,91,'Rescission.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(831,91,'Nonrenewal.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(832,91,'Cessation.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(833,92,'Subrogation.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(834,92,'Appraisal.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(835,92,'Insuring agreement.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(836,92,'Cancellation and nonrenewal.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(837,93,'Conditions.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(838,93,'Provisions.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(839,93,'Exclusions.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(840,93,'Insuring clause.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(841,94,'Prevents money laundering.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(842,94,'Regulates consumer reports.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(843,94,'Protects customer privacy.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(844,94,'Regulates telemarketing.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(845,95,'Breach of warranty.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(846,95,'Concealment.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(847,95,'Waiver.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(848,95,'Fraud.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(849,96,'2015',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(850,96,'2017',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(851,96,'2020',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(852,96,'2030',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(853,97,'First named insured',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(854,97,'Beneficiaries',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(855,97,'All insureds',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(856,97,'Additional insureds',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(857,98,'Cancellation.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(858,98,'Nonrenewal.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(859,98,'Suspension.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(860,98,'Cessation.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(861,99,'Consideration',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(862,99,'Good faith',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(863,99,'Representation',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(864,99,'Adhesion',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(865,100,'Arbitration',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(866,100,'Small claims court',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(867,100,'Independent audit',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(868,100,'Appraisal hearing',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(869,101,'The insurer approves the application and receives the initial premium.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(870,101,'The agent hands the policy to the policyholder.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(871,101,'An agent explains a policy to a potential applicant.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(872,101,'The completed application is submitted.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(873,102,'Conditions.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(874,102,'Exclusions.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(875,102,'Declarations.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(876,102,'Insuring agreement.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(877,103,'Declarations',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(878,103,'Conditions',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(879,103,'Exclusions',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(880,103,'Insuring agreement',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(881,104,'First named insureds.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(882,104,'Additional insureds.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(883,104,'Insureds.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(884,104,'Named insureds.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(885,105,'A lawsuit is filed',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(886,105,'Appeal to the DOI',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(887,105,'The adjuster’s first opinion must be accepted',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(888,105,'Arbitration through the court',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(889,106,'Waiver and estoppel.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(890,106,'Indemnity.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(891,106,'Subrogation.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(892,106,'Insurable interest.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(893,107,'Adjuster',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(894,107,'Agent',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(895,107,'Insurer',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(896,107,'Insured',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(897,108,'Use standardized tables of coverage for specific risks to be excluded from coverage.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(898,108,'Give the insurer valuable consideration.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(899,108,'Be fair in underwriting and pay covered losses.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(900,108,'Provide the insured with coverage adequate for all potential losses.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(901,109,'Each policy will pay the total policy limits of $100,000.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(902,109,'The first policy written will pay $75,000, and the other three policies will contribute proportionately to pay for the remaining $25,000.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(903,109,'The policy with the earliest effective date will pay the entire loss, and the other policies will pay nothing.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(904,109,'Each policy will pay $25,000 of the loss.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(905,110,'Exclusions.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(906,110,'Definitions.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(907,110,'Insuring agreement.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(908,110,'Conditions.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(909,111,'Excess.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(910,111,'Pro rata liability.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(911,111,'Contributing.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(912,111,'Proportionate.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(913,112,'The policy may be voided if it can be proven that the applicant was not capable of making a buying decision at the time of application.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(914,112,'The policy will remain in force as long as there are no material misrepresentations on the application.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(915,112,'The policy is legal since the applicant was able to give all required information.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(916,112,'The policy is not legal; agents cannot sell insurance over the phone.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(917,113,'Something that increases the chance of a loss.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(918,113,'The cause of a loss.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(919,113,'A loss event.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(920,113,'The uncertainty of loss.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(921,114,'Your interest in a financed car.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(922,114,'A renter\'s interest in a porch he added to his rented home.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(923,114,'A repair shop\'s interest in a customer\'s TV which has been repaired but has not been picked up.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(924,114,'Your interest in your dad\'s rifle he is going to give you when he dies.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(925,115,'Risk',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(926,115,'Hazard',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(927,115,'Peril',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(928,115,'Event',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(929,116,'Special &amp; general damages',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(930,116,'Special &amp; punitive damages',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(931,116,'General &amp; specific damages',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(932,116,'Punitive &amp; blanket damages',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(933,117,'an accident',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(934,117,'a liability',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(935,117,'negligence',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(936,117,'an occurrence',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(937,118,'A couch is damaged by a fire.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(938,118,'The insureds have to rent a room after a fire damages their house.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(939,118,'Hail breaks a window.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(940,118,'A deer damages the wall of a shed.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(941,119,'30 days',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(942,119,'45 days',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(943,119,'60 days',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(944,119,'90 days',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(945,120,'Sickness',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(946,120,'Physical Injury',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(947,120,'Death',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(948,120,'All three.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(949,121,'Proximate cause',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(950,121,'Harm has occurred',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(951,121,'Intentional act',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(952,121,'Owes a duty',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(953,122,'They pay on behalf of the insured.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(954,122,'They pay only when the insured is proven negligent in court.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(955,122,'They pay on behalf of the insured and defend the insured against real and alleged claims.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(956,122,'They defend the insured against real and alleged claims, pay on behalf of the insured, and pay only when the insured is proven negligent in court.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(957,123,'Claimant',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(958,123,'Insured',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(959,123,'Insurer',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(960,123,'Beneficiary',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(961,124,'Pure',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(962,124,'Speculative',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(963,124,'Uncertain',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(964,124,'Known',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(965,125,'Insurable',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(966,125,'Speculative',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(967,125,'Pure',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(968,125,'Known',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(969,126,'A new company',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(970,126,'A small company',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(971,126,'The one with the most customers',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(972,126,'The oldest company',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(973,127,'Actuaries',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(974,127,'Statisticians',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(975,127,'Underwriters',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(976,127,'All three',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(977,128,'Coverage applies to any cause of loss not excluded.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(978,128,'Perils covered are named.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(979,128,'It is sometimes called All Risk insurance.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(980,128,'Flood is usually excluded.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(981,129,'Physical',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(982,129,'Moral',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(983,129,'Morale',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(984,129,'Certain',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(985,130,'It is the immediate cause of loss in an unbroken chain of events.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(986,130,'If the proximate cause is covered, all subsequent losses are covered.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(987,130,'Water damage caused by water putting out a fire is covered.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(988,130,'The first car rear-ended at a stop sign is the proximate cause of the accident.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(989,131,'The principal of indemnity',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(990,131,'The principal of insurance',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(991,131,'Other Insurance clause',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(992,131,'Payment of Loss clause',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(993,132,'an accident',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(994,132,'an occurrence',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(995,132,'a loss',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(996,132,'an injury',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(997,133,'Absolute',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(998,133,'Direct',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(999,133,'Vicarious',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1000,133,'Strict',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1001,134,'Strict',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1002,134,'Vicarious',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1003,134,'Contractual',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1004,134,'Absolute',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1005,135,'Strict',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1006,135,'Absolute',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1007,135,'Vicarious',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1008,135,'Direct',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1009,136,'Direct',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1010,136,'Vicarious',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1011,136,'Strict',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1012,136,'Contractual',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1013,137,'Contractual',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1014,137,'Waiver of Subrogation',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1015,137,'Hold Harmless',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1016,137,'Strict',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1017,138,'Criminal act',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1018,138,'Unintentional act',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1019,138,'Bodily injury',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1020,138,'Property damage',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1021,139,'Measurable out-of-pocket expenses for property damage, medical, miscellaneous expenses, and loss of wages.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1022,139,'Monetary awards intended to compensate the claimant for the loss.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1023,139,'To compensate the injured person for pain and suffering, mental anguish, disfigurement, and other similar types of losses.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1024,139,'A form of punishment for extreme outrageous behavior, gross negligence, or willful intent.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1025,140,'Blanket insurance',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1026,140,'Specific insurance',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1027,140,'Special insurance',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1028,140,'General insurance',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1029,141,'The dwelling is vacant.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1030,141,'The dwelling is uninsured.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1031,141,'Certain perils are void.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1032,141,'The dwelling is unoccupied.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1033,142,'Any act of unlawful taking.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1034,142,'Forced entry into a building.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1035,142,'Robbery of a person.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1036,142,'The disappearance of property without knowledge as to the location, time, or how the property was lost.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1037,143,'Additional premium will be collected.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1038,143,'The insurer will have to pay a fine.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1039,143,'Nothing; the premium cannot be adjusted.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1040,143,'The insured will receive a return premium.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1041,144,'Claimants may need to provide proof that a product defect caused an injury.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1042,144,'It is imposed regardless of fault.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1043,144,'It is applied in product liability cases.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1044,144,'It is imposed on defendants engaged in hazardous activities.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1045,145,'Split limits',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1046,145,'Aggregate limits',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1047,145,'Per occurrence limits',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1048,145,'Combined single limits',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1049,146,'Vicarious',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1050,146,'Implied',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1051,146,'Direct',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1052,146,'Absolute',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1053,147,'$32,000',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1054,147,'80% of the property\'s replacement cost or more',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1055,147,'100% of the market value',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1056,147,'$400,000',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1057,148,'Type and quality of property.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1058,148,'Age of the property.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1059,148,'Replacement cost.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1060,148,'Insurance premium paid.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1061,149,'Agreed Value',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1062,149,'Replacement Cost',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1063,149,'Stated Value',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1064,149,'Market Value',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1065,150,'To provide a maximum limit for which the insurance company may become liable in casualty losses.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1066,150,'To establish a value for premium determination for property items that are difficult to value.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1067,150,'To ensure that the principle of indemnification applies.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1068,150,'To establish the value of property subject to loss by theft or robbery.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1069,151,'A burglary.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1070,151,'False pretense.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1071,151,'Robbery.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1072,151,'Larceny.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1073,152,'Taking of property without causing property damage or bodily harm.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1074,152,'Any act of stealing.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1075,152,'Taking of property from within the premises leaving visible signs of forced entry.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1076,152,'Taking of property by use of force, violence, or fear.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1077,153,'Contract Bond',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1078,153,'Excess liability coverage',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1079,153,'Errors and Omissions insurance',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1080,153,'Deposit premium &amp; audit',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1081,154,'Exposures.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1082,154,'Risks.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1083,154,'Perils.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1084,154,'Hazards.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1085,155,'Burglary.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1086,155,'Robbery.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1087,155,'Mysterious disappearance.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1088,155,'Theft.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1089,156,'Loss valuation.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1090,156,'Agreed value.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1091,156,'Loss payment.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1092,156,'Coinsurance.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1093,157,'Fair market value',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1094,157,'Agreed value',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1095,157,'Replacement cost',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1096,157,'Stated value',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1097,158,'Hazard',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1098,158,'Accident',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1099,158,'Occurrence',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1100,158,'Peril',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1101,159,'Pure risk and speculative risk.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1102,159,'Certain risk and uncertain risk.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1103,159,'Named risk and un-named risk.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1104,159,'High risk and low risk.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1105,160,'$10,500',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1106,160,'$6,500',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1107,160,'$8,000',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1108,160,'$9,000',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1109,161,'$0',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1110,161,'$30,000',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1111,161,'$32,000',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1112,161,'$40,000',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1113,162,'Vicarious liability.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1114,162,'Intervening cause.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1115,162,'Juvenile delinquency.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1116,162,'Absolute liability.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1117,163,'General liability written with an aggregate limit',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1118,163,'Business automobile liability',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1119,163,'Personal automobile liability with split limits',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1120,163,'Homeowners',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1121,164,'Special (specific)',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1122,164,'Tort',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1123,164,'Normal',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1124,164,'General',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1125,165,'Per occurrence limit of liability',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1126,165,'Split limit of liability',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1127,165,'Aggregate limit of liability',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1128,165,'Combined single limit of liability',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1129,166,'Loss of use',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1130,166,'Dwelling',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1131,166,'Structures',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1132,166,'Contents',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1133,167,'Appraisal.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1134,167,'Subrogation.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1135,167,'Consent to settle loss.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1136,167,'Right of salvage.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1137,168,'$300',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1138,168,'$535',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1139,168,'$500',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1140,168,'$600',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1141,169,'The pro rata liability clause applies.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1142,169,'The insured cannot collect but the mortgage holder will still be paid.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1143,169,'Neither the insured nor the mortgage holder will be paid.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1144,169,'Both the insured and mortgage holder will be paid.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1145,170,'Contents',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1146,170,'Loss of use',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1147,170,'Dwelling',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1148,170,'Structures',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1149,171,'The failure to do what a reasonable prudent person would do under given circumstances.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1150,171,'An unbroken chain of events that results in bodily injury or property damage to another person.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1151,171,'Conduct that is so hazardous that the individual engaging in it will be held fully responsible for any resulting injury or damage.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1152,171,'An intentional act that results in bodily injury or property damage to another person.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1153,172,'Normal and punitive',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1154,172,'Special and general',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1155,172,'Pure and speculative',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1156,172,'Tort and general',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1157,173,'Strict liability.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1158,173,'Absolute liability.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1159,173,'Vicarious liability.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1160,173,'Comparative negligence.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1161,174,'Coinsurance',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1162,174,'Primary amount',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1163,174,'Deductible',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1164,174,'Self-insured retention',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1165,175,'Consequential',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1166,175,'Specific',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1167,175,'Consecutive',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1168,175,'Direct',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1169,176,'Full replacement of property at its current cost, new and without reduction for depreciation.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1170,176,'The market value of property of like kind and quality.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1171,176,'Full replacement of property with like kind and quality, less an allowance for physical deterioration and depreciation.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1172,176,'Payment of the full policy limits in the event of a total loss.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1173,177,'Stated value of the property as shown on the declaration',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1174,177,'The actual amount of a loss payable, less the policy deductible',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1175,177,'Replacement cost at the time of the loss, less depreciation',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1176,177,'Market value of the property at the time of the loss',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1177,178,'It could be adjusted by the audit.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1178,178,'It must be paid in advance.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1179,178,'It is an estimated premium paid at the policy issue.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1180,178,'It is 50% of the actual premium.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1181,179,'Functional replacement cost',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1182,179,'Market value',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1183,179,'Actual cost value',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1184,179,'Replacement cost',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1185,180,'The uncertainty or chance of loss.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1186,180,'The certainty of loss.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1187,180,'The cause of loss.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1188,180,'An event that increases the amount of loss.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1189,181,'Injury to the character of another person caused by libel, slander, false arrest, invasion of privacy and other acts',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1190,181,'Physical damage to tangible property of others caused by the negligence of an insured',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1191,181,'The negligent or purposeful act or omission by an insured that results in physical trauma or death to a person',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1192,181,'A sudden, unplanned and unexpected event, not under the control of the insured, resulting in injury or damage neither expected nor intended',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1193,182,'Losses',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1194,182,'Risks',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1195,182,'Hazards',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1196,182,'Perils',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1197,183,'Adverse selection.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1198,183,'Hazard.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1199,183,'Pure risk.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1200,183,'Speculative risk.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1201,184,'An intervening cause.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1202,184,'The proximate cause.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1203,184,'The direct cause.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1204,184,'Strict liability.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1205,185,'Duty of the defendant to act',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1206,185,'Reason for filing a lawsuit',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1207,185,'Negligence that leads to an injury',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1208,185,'Injury that leads to monetary compensation',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1209,186,'None of these',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1210,186,'Basic',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1211,186,'Broad',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1212,186,'Special',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1213,187,'None',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1214,187,'All',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1215,187,'Basic and Special',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1216,187,'Broad and Special',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1217,188,'None',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1218,188,'All',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1219,188,'Basic and Broad',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1220,188,'Broad and Special',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1221,189,'Foundation of the building under construction',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1222,189,'Fixtures, machinery, and equipment used to service the building if they will become a permanent part of the building and are located within 100 feet of the building',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1223,189,'A building 60 days after completeion of construction',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1224,189,'Signs at the entrance to the construction site',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1225,190,'Extra expense',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1226,190,'Business income',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1227,190,'Contingent business income',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1228,190,'Special',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1229,191,'Farmers may buy monoline policies or a package policy to cover both their personal and commercial exposures.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1230,191,'Farm liability usually covers farm employees as insureds, but does not cover them as claimants if they were to get injured.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1231,191,'Most farm insurance will cover the farmer\'s crops planted in the fields.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1232,191,'A well house within 250 feet of the dwelling providing water to the dwelling is covered as an appurtenant structure and not as a farm building.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1233,192,'Damage to crops by flooding.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1234,192,'A tractor fire.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1235,192,'Tornado damage to a barn.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1236,192,'Fire in a silo.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1237,193,'Almost all commercial risks are eligible for coverage under the commercial package policy.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1238,193,'The insured can choose a variety of eligible commercial coverages to tailor the package to fit his specific business insurance needs.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1239,193,'A complete commercial package policy includes common policy declarations, common policy conditions, and two or more coverage parts.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1240,193,'A commercial package policy can include ocean marine and aviation insurance.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1241,194,'Conditions specifying the insured\'s duties following a loss.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1242,194,'The policy period.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1243,194,'A description of the business being covered.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1244,194,'The insured\'s premium for each coverage part purchased.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1245,195,'taxes',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1246,195,'inspections',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1247,195,'administration',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1248,195,'claims',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1249,196,'garage',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1250,196,'bank',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1251,196,'tailor',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1252,196,'warehouse',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1253,197,'$25,000',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1254,197,'$50,000',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1255,197,'$75,000',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1256,197,'$100,000',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1257,198,'It gives the insured great flexibility in picking coverages that can be included in the policy.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1258,198,'It can be written for almost any commercial insured.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1259,198,'It provides a prepackaged policy of property and liability coverage for certain types of small to medium size businesses.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1260,198,'It provides only property coverage; liability coverages must be added.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1261,199,'aircraft',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1262,199,'stock',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1263,199,'company autos',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1264,199,'land',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1265,200,'Non-owned auto liability',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1266,200,'Hired auto liability',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1267,200,'Nothing, the BOP automatically covers this exposure',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1268,200,'business auto coverage',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1269,201,'From the date of loss to policy expiration',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1270,201,'For an unlimited period',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1271,201,'12 months from the date of loss',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1272,201,'2 years from the date of loss',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1273,202,'$500,000',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1274,202,'$1,000,000',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1275,202,'twice the occurrence llimit',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1276,202,'twice the products &amp; completed operations limit',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1277,203,'none',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1278,203,'2 days',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1279,203,'10 days',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1280,203,'24 hours',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1281,204,'A 20,000 sq ft self storage facility',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1282,204,'A 10,000 sq ft bank office',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1283,204,'A 6 unit apartment building',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1284,204,'A 15,000 sq ft plumber’s office',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1285,205,'Instrumentalities of transportation and communications are insurable.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1286,205,'Many inland marine policies also cover the bailee exposures of the business.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1287,205,'Mobile equipment such as bulldozers, forklifts, and road graders may be covered.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1288,205,'Buildings and personal property at fixed locations may be covered.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1289,206,'household furniture',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1290,206,'accounts receivable',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1291,206,'theatrical property',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1292,206,'tunnels',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1293,207,'Customers property liability policy',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1294,207,'Customers protective liability policy',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1295,207,'Customers property policy',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1296,207,'Bailee\'s Liability policy',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1297,208,'trip transit',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1298,208,'bailee\'s liability',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1299,208,'Motor Truck Cargo - Truckers Form',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1300,208,'Motor Truck Cargo - Owner\'s Form',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1301,209,'insures a truck carrier for liability for losses to cargo.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1302,209,'covers any loss to cargo in transit, regardless of whether the carrier is liable for damage.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1303,209,'insures the shipper for all incoming or outgoing shipments during the policy term.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1304,209,'provides coverage for a shipper on a single shipment of goods.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1305,210,'at a store location awaiting the installer to pick up the property',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1306,210,'in transit to an installation site',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1307,210,'while being tested',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1308,210,'while being installed',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1309,211,'on premises only',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1310,211,'off premises only',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1311,211,'both on or off premises',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1312,211,'only on equipment at a hospital',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1313,212,'a receptacle warranty',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1314,212,'a fire proof container guaranty',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1315,212,'a valuable paper warranty',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1316,212,'a fire protection warranty',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1317,213,'Farm',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1318,213,'Crime',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1319,213,'Inland Marine',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1320,213,'Banking',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1321,214,'Mexico',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1322,214,'Guam',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1323,214,'Puerto Rico',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1324,214,'Canada',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1325,215,'Kurt\'s Subs manager',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1326,215,'Rick\'s Subs manager',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1327,215,'An officer of RKC Corporation',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1328,215,'Glens Sub\'s manager',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1329,216,'The insurance company may examine the insured\'s books at any time without notice up to three years after the expiration of the policy.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1330,216,'The insurance company may examine the insured\'s books at any time with notice up to three years after the expiration of the policy.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1331,216,'The insurance company may examine the insured\'s books at any time without notice up to two years after the expiration of the policy.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1332,216,'The insurance company may not examine the insured\'s books at any time without notice up to three years after the expiration of the policy.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1333,217,'The insurer has a right to make inspections and surveys.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1334,217,'The insured has a right to make to insurer inspect.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1335,217,'The insured does not have to comply with the insurer\'s recommendations.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1336,217,'The insurer amy inspect at any time during the policy period.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1337,218,'Changes by endorsement',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1338,218,'Duties of the Insured',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1339,218,'Subrogation',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1340,218,'Contractual liability',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1341,219,'a part of the building.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1342,219,'contents.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1343,219,'business personal property.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1344,219,'not covered.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1345,220,'animals held as stock.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1346,220,'a tenant\'s improvements and betterments.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1347,220,'a customer\'s personal property that is in the care, custody or control of the insured.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1348,220,'physicians equipment.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1349,221,'contraband',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1350,221,'animals boarded by a veternarian',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1351,221,'foundations',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1352,221,'billboards',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1353,222,'Debris removal is limited to no more than 25% of the loss. A grant of an additional $10,000 coverage is available if the 25% limit is insufficient.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1354,222,'The policy also will pay for any damage to property moved to protect it from further damage for any cause of loss, but only for 30 days after the property is first moved.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1355,222,'Accounts, bills, currency, money or securities.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1356,222,'Pays up to $1,000 for attached signs, fences, etc. and up to $250 for trees, shrubs, and plants damaged or destroyed by fire, lightning, explosion, riot or civil commotion, or aircraft.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1357,223,'pay the value of the lost or damaged property.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1358,223,'pay the cost of repairing or replacing the lost or damaged property.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1359,223,'take all or any part of the property at its market value.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1360,223,'repair, rebuild, or replace the property with other property of like kind and quality.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1361,224,'vandalism',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1362,224,'hail',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1363,224,'water damage',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1364,224,'theft',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1365,225,'multiple projects form',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1366,225,'reporting form',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1367,225,'completed value form',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1368,225,'monthly values form',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1369,226,'1',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1370,226,'0.9',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1371,226,'0.8',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1372,226,'None',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1373,227,'temporary structures',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1374,227,'foundations',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1375,227,'land',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1376,227,'machinery',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1377,228,'construction is abandoned without any plans to complete it',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1378,228,'whenever the property is accepted by the purchaser',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1379,228,'60 days after construction is completed',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1380,228,'60 days after the constructed building is occupied or put into its intended use',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1381,229,'direct',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1382,229,'indirect',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1383,229,'consequential',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1384,229,'time element',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1385,230,'extra expense',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1386,230,'business income',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1387,230,'extended business income',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1388,230,'all of the forms have a waing period',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1389,231,'30',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1390,231,'46',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1391,231,'60',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1392,231,'90',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1393,232,'business income',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1394,232,'extended business income',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1395,232,'extra expense',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1396,232,'none of these',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1397,233,'builders risk form',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1398,233,'building form',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1399,233,'business personal property form',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1400,233,'broad form',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1401,234,'vandalism',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1402,234,'sinkhole collapse',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1403,234,'collapse',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1404,234,'sprinkler leakage',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1405,235,'The damaged property will be covered on an actual cash value basis.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1406,235,'The office furniture will be covered as business personal property and the carpeting as part of the building.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1407,235,'The policy will not pay.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1408,235,'No deductible will be applied.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1409,236,'weight of people',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1410,236,'hidden decay',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1411,236,'insects or vermin',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1412,236,'shifting soil',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1413,237,'72 hours',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1414,237,'2 days',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1415,237,'168 hours',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1416,237,'6 days',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1417,238,'a difference in coverage policy',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1418,238,'a difference in conditions policy',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1419,238,'a defined coverage policy',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1420,238,'a tremor event policy',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1421,239,'livestock',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1422,239,'licensed farm autos',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1423,239,'mobile agricultural equipment',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1424,239,'farm liability',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1425,240,'Endorse his farm policy for crop harvesting.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1426,240,'Endorse his farm policy for custom farming operations.',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1427,240,'Endorse his farm policy for use of his equipment on public roads.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1428,240,'Nothing, the farm policy covers the exposure.',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1429,241,'Hail damage',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1430,241,'Accident caused by a third party',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1431,241,'Shifting caused by a sharp turn',1,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1432,241,'Wind blows the truck over',0,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(1433,242,'appraisal',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1434,242,'abandonment',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1435,242,'duties after loss',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1436,242,'duty to defend',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1437,243,'No act by the insured will jeopardize the mortgagee\'s rights.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1438,243,'The mortgagee may file a proof of loss if the insured fails to do so.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1439,243,'The mortgagee is entitled to receive prior notice of a policy\'s cancellation.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1440,243,'The mortgagee may abandon the insured property to the insurance company.',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1441,244,'200000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1442,244,'180000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1443,244,'160000',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1444,244,'40000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1445,245,'150',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1446,245,'600',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1447,245,'400',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1448,245,'900',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1449,246,'1 year',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1450,246,'2 years',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1451,246,'3 years and 1 day',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1452,246,'2 years and 1 day',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1453,247,'what you can sell it for',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1454,247,'what you can buy it for',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1455,247,'what it is worth after depreciation is taken fro today\'s cost',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1456,247,'what it is worth after an appraisal',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1457,248,'15 days',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1458,248,'30 days',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1459,248,'60 days',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1460,248,'91 days',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1461,249,'5',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1462,249,'10',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1463,249,'12',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1464,249,'15',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1465,250,'To pay the full face of the policy in the event of a total loss.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1466,250,'To pay the claim when the insured demands it.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1467,250,'To pay the full amount of the policy for a windstorm loss.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1468,250,'To pay the total amount insured on the structure for a total fire loss.',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1469,251,'0',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1470,251,'40000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1471,251,'10000',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1472,251,'30000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1473,252,'triplexes',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1474,252,'rental homes',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1475,252,'farms',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1476,252,'mobile homes',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1477,253,'fire, lightning, and internal explosion',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1478,253,'fire, lightning, and the extended coverage perils',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1479,253,'fire, lightning, the extended coverage perils, plus vandalism and malicious mischief',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1480,253,'fire, lightning, the extended coverage perils, vandalism and malicious mischief, and collapse',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1481,254,'Basic',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1482,254,'Broad',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1483,254,'Special',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1484,254,'Collapse',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1485,255,'hail',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1486,255,'lightning',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1487,255,'riot',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1488,255,'smoke',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1489,256,'freezing',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1490,256,'damage by burglars',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1491,256,'water damage from a broken water pipe',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1492,256,'glass breakage',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1493,257,'10 days',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1494,257,'15 days',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1495,257,'30 days',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1496,257,'None of these.',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1497,258,'0',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1498,258,'250',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1499,258,'500',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1500,258,'5% of Coverage A',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1501,259,'DP-1, DP 2, DP-3',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1502,259,'DP-1, DP-2',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1503,259,'DP-1, DP-3',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1504,259,'DP-2, DP-3',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1505,260,'lava flow',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1506,260,'mudslide',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1507,260,'ground shaking',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1508,260,'volcanic ash',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1509,261,'room rent',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1510,261,'eating out',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1511,261,'mortgage payment',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1512,261,'coin laundry',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1513,262,'19500',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1514,262,'1000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1515,262,'1500',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1516,262,'Nothing',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1517,263,'Nothing',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1518,263,'10000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1519,263,'20000',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1520,263,'25000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1521,264,'HO-5',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1522,264,'HO-3',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1523,264,'HO-2',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1524,264,'HO-7',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1525,265,'A $3,000 shotgun.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1526,265,'A $2,000 computer used in the insured\'s accounting business.',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1527,265,'A $4,000 mink stole.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1528,265,'A $3,000 silver serving set.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1529,266,'HO-2',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1530,266,'HO-3',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1531,266,'HO-4',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1532,266,'HO-6',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1533,267,'HO-8',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1534,267,'HO-3',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1535,267,'HO-2',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1536,267,'HO-4',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1537,268,'18',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1538,268,'25',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1539,268,'24',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1540,268,'21',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1541,269,'99500',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1542,269,'10000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1543,269,'50000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1544,269,'100000',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1545,270,'Both the dwelling and personal property',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1546,270,'Just the dwelling',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1547,270,'Just the personal property',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1548,270,'None',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1549,271,'The insured\'s 12 year old son intentionally broke the neighbor boy\'s bike.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1550,271,'The insured\'s dog bit a stranger.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1551,271,'The insured tripped and injured an old lady while vacationing in Rome.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1552,271,'The insured told a neighbor that the landscaper stole something and the landscaper sued for libel.',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1553,272,'Notify the police for a theft loss.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1554,272,'Notify the credit card company for a credit card unautorized charge.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1555,272,'Cooperate with the insurer.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1556,272,'Complete a signed, sworn Proof of Loss within 30 days after the insurer\'s request.',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1557,273,'15 days',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1558,273,'20 days',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1559,273,'30 days',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1560,273,'60 days',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1561,274,'15 days',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1562,274,'20 days',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1563,274,'30 days',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1564,274,'60 days',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1565,275,'The cost to replace damaged property with like kind and quality at today\'s cost.',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1566,275,'The cost to reapir damaged property using the same materials.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1567,275,'The cost to replace damaged property with like kind and quality at the original cost.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1568,275,'The cost to replace damaged property with like kind and quality at its market value.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1569,276,'Coinsurance will apply.',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1570,276,'An annual appraisal is often required.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1571,276,'Stated Value is often called Stated Amount.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1572,276,'The premium is determined based on the stated value.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1573,277,'It is a large amount the insured agrees to pay in the event of a loss.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1574,277,'A deductible is not a retention.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1575,277,'The deductible is taken from the sublimits, if any.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1576,277,'A higher deductible usually lowers the premium.',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1577,278,'50000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1578,278,'49000',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1579,278,'99000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1580,278,'100000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1581,279,'The Liberalization clause',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1582,279,'Waiver or Change of Policy provisions',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1583,279,'Additional Insurance clause',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1584,279,'Policyholder Benefits clause',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1585,280,'Assign his policy to another person',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1586,280,'Make changes to his policy without the insuer\'s consent',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1587,280,'Take back recovered property or keep what the insurer paid him for the loss',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1588,280,'Give partially damaged property to the insurer to get paid as a total loss',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1589,281,'The mortgagee cannot collect because it was arson.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1590,281,'The insurer will pay the mortgagee the full amount of the insurance policy.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1591,281,'The insurer will pay the mortgagee the amount left on the loan.',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1592,281,'The insurer will pay the mortgagee the full amount of the insurance less the deductible.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1593,282,'Any increase in the cost of repair to a dwelling due to building codes is excluded.',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1594,282,'Any increase in cost due to the prohibition by a governmental agency to use the property is excluded.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1595,282,'Any costs charged for services by a governmental agency due to loss is excluded.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1596,282,'If an ordinance or law increases the cost of a claim, it is covered.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1597,283,'Land shock waves',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1598,283,'Flood',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1599,283,'Power failure off premises',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1600,283,'Power failure on premises',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1601,284,'Neglect',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1602,284,'Nuclear hazard',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1603,284,'War',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1604,284,'Unintentional loss',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1605,285,'beauty shop',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1606,285,'photography studio',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1607,285,'piano teacher',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1608,285,'tools and hardware sales',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1609,286,'mudslide',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1610,286,'lava flow',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1611,286,'volcanic ash',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1612,286,'land shock waves',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1613,287,'Glass safety glazing material is not covered.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1614,287,'Glass building blocks are not covered',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1615,287,'Damage to the building caused by theft or burglary is covered',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1616,287,'V&amp;MM coverage ceases after 60 days of vacancy',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1617,288,'Damage to the interior of a building is covered only if the roof or an outside wall is damaged first.',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1618,288,'Weight of ice, snow or sleet did not cause the damage.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1619,288,'Hail is an excluded peril.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1620,288,'Freezing did not occur.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1621,289,'DP-1',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1622,289,'DP-2',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1623,289,'DP-3',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1624,289,'DP-2 &amp; DP-3',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1625,290,'From a hostile fire.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1626,290,'From a friendly fire.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1627,290,'From a grease fire on a stove.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1628,290,'From a nearby tire factory.',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1629,291,'It is named perils for the structures.',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1630,291,'It contains an insurance to value clause.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1631,291,'It covers theft of a part of the dwelling, except dwellings under construction.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1632,291,'Theft of personal property may be added by endorsement.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1633,292,'attached structures',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1634,292,'sheds',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1635,292,'air conditioners',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1636,292,'materials in the yard for a dwelling repair',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1637,293,'20000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1638,293,'10% of Coverage A',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1639,293,'50% of Coverage A',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1640,293,'No limit',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1641,294,'No limit.',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1642,294,'10% of Coverage A',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1643,294,'40% of Coverage A',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1644,294,'50% of Coverage A',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1645,295,'Household property',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1646,295,'Property of others in your custody',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1647,295,'Your renter\'s property',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1648,295,'Rowboats and canoes on your premises',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1649,296,'Loss of rental income from a flood.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1650,296,'Loss of rental income from a fire.',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1651,296,'After a flood, the cost of a motel room.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1652,296,'After a fire, the cost of a motel room.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1653,297,'5 days',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1654,297,'30 days',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1655,297,'45 days',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1656,297,'None',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1657,298,'Nothing',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1658,298,'250',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1659,298,'500',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1660,298,'5% of Coverage A',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1661,299,'DP-1',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1662,299,'DP-2',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1663,299,'DP-3',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1664,299,'DP-2 &amp; DP-3',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1665,300,'Basic',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1666,300,'Broad',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1667,300,'Special',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1668,300,'Broad &amp; Special',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1669,301,'theft of personal property',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1670,301,'property',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1671,301,'liability',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1672,301,'personal injury',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1673,302,'farms',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1674,302,'mobile homes',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1675,302,'tenants',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1676,302,'dwellings under construction',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1677,303,'HO-3',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1678,303,'HO-5',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1679,303,'HO-4',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1680,303,'HO-8',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1681,304,'HO-1',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1682,304,'HO-7',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1683,304,'HO-6',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1684,304,'HO-8',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1685,305,'100 acres on which are 8 cows',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1686,305,'A place the insured is temporarily living',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1687,305,'The family cemetary plot',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1688,305,'A rented party room',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1689,306,'0.4',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1690,306,'0.5',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1691,306,'0.6',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1692,306,'0.75',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1693,307,'Nothing',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1694,307,'2500',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1695,307,'5000',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1696,307,'3000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1697,308,'100000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1698,308,'97500',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1699,308,'115000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1700,308,'112500',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1701,309,'0',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1702,309,'250',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1703,309,'500',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1704,309,'1000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1705,310,'0',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1706,310,'500',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1707,310,'1000',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1708,310,'1500',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1709,311,'0',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1710,311,'500',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1711,311,'1000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1712,311,'5000',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1713,312,'500',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1714,312,'1000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1715,312,'10% of Coverage C',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1716,312,'10% of Coverage A',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1717,313,'United States',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1718,313,'US, its territories and possessions',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1719,313,'US, its territories and possessions, and Canada',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1720,313,'Worldwide',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1721,314,'It pays first parties',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1722,314,'It pays only if at fault',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1723,314,'It does not pay funeral expenses',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1724,314,'It pays medical expenses incurred within 3 years',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1725,315,'cost of attorney',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1726,315,'bond premiums',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1727,315,'immediate first aid',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1728,315,'$300 a day for loss of income',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1729,316,'500',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1730,316,'750',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1731,316,'1000',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1732,316,'1250',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1733,317,'The medical payments limit',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1734,317,'1000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1735,317,'Nothing',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1736,317,'500',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1737,318,'Anywhere in the world',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1738,318,'Only on a golf course',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1739,318,'In a private neighborhood and on a golf course',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1740,318,'On neighborhood streets and on a golf course',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1741,319,'a canoes',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1742,319,'a 20 foot sailboat',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1743,319,'a 30 HP outboard motor',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1744,319,'a 50 HP inboard motor',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1745,320,'subrogation',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1746,320,'declination',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1747,320,'loss settlement',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1748,320,'assignment',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1749,321,'24 hours',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1750,321,'36 hours',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1751,321,'48 hours',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1752,321,'72 hours',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1753,322,'Property &amp; Interior',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1754,322,'Private &amp; Inclusive',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1755,322,'Protection &amp; Indemnity',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1756,322,'Principal &amp; Incidental',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1757,323,'80000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1758,323,'120000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1759,323,'160000',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1760,323,'200000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1761,324,'Furriers block policy',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1762,324,'Personal property coverage part',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1763,324,'Vendor\'s single interest policy',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1764,324,'Bailee\'s customer policy',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1765,325,'At any time by mailing a written notice of cancellation',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1766,325,'At any time with 10 days\' advance written notice',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1767,325,'Only after the policy has been in force for 120 days',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1768,325,'Only at the time of policy renewal',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1769,326,'Earthquake',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1770,326,'Tectonic Shifting',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1771,326,'Tsunami',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1772,326,'Geotectonic Inversion',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1773,327,'Professional liability endorsement',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1774,327,'Automatic sprinkler system',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1775,327,'Errors and omissions insurance',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1776,327,'Recordkeeping',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1777,328,'War',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1778,328,'Sudden and accidental rupture of a heating system',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1779,328,'Loss due to power interruption that occurs off the premises',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1780,328,'Flood',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1781,329,'200000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1782,329,'100000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1783,329,'175000',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1784,329,'180000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1785,330,'Motor truck cargo policy',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1786,330,'Trip transit',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1787,330,'Commercial property',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1788,330,'Bailee policy',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1789,331,'Builders risk form',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1790,331,'General property form',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1791,331,'Contractors equipment floater',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1792,331,'Bailee\'s customers form',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1793,332,'Money orders, checks, drafts, notes',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1794,332,'Bonds, stocks, stock certificates, coupons attached to bonds',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1795,332,'Currency and unsold travelers checks',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1796,332,'Postage and revenue stamps',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1797,333,'Owned or leased by a landlord who does not reside on the premises',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1798,333,'Owned by a landlord who does not use the mobilehome located on it',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1799,333,'Leased by the owner of the land',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1800,333,'Owned or leased by the resident of the mobilehome',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1801,334,'A musical instrument sold and delivered to a customer',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1802,334,'Furniture, fixtures and office supplies in a music store',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1803,334,'Money kept on premises of a camera shop',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1804,334,'A customer\'s camera left at a camera shop for repair',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1805,335,'During the policy period and for up to 5 years after the termination of the poicy',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1806,335,'Only after the policy period',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1807,335,'During the policy period and for up to 3 years after the termination of the poicy',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1808,335,'Only during the policy period',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1809,336,'Motor carrier form',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1810,336,'Trip transit coverage',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1811,336,'Motor truck cargo-owners form',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1812,336,'Motor truck cargo-truckers form',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1813,337,'Both flood and earthquake are excluded perils in all property policies',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1814,337,'Flood and earthquake coverage is available in all policies',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1815,337,'Flood and earthquake coverage is available only through government insurance',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1816,337,'Flood insurance is usually provided in property policies, but earthquake coverage is available by endorsement only',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1817,338,'A coin collection valued at $500 lost in a fire',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1818,338,'A $550 utility trailer blown away by a tornado',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1819,338,'A stolen silver tea set worth $2,000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1820,338,'A $800 outboard motor destroyed by hail',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1821,339,'Animals',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1822,339,'Jewelry made with precious stones',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1823,339,'Vehicles used on stage',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1824,339,'Admission tickets',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1825,340,'Nothing, because the company failed to carry the required insurance amount',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1826,340,'Up to $300,000 for the loss',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1827,340,'Up to $150,000 for the loss',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1828,340,'The coinsurance formula would apply',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1829,341,'Coverage C',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1830,341,'Coverage B',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1831,341,'Coverage D',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1832,341,'Coverage A',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1833,342,'200000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1834,342,'180000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1835,342,'160000',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1836,342,'40000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1837,343,'To pay the full face of the policy in the event of a total loss.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1838,343,'To pay the claim when the insured demands it.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1839,343,'To pay the full amount of the policy for a windstorm loss.',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1840,343,'To pay the total amount insured on the structure for a total fire loss.',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1841,344,'0',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1842,344,'40000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1843,344,'10000',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1844,344,'30000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1845,345,'fire, lightning, and internal explosion',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1846,345,'fire, lightning, and the extended coverage perils',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1847,345,'fire, lightning, the extended coverage perils, plus vandalism and malicious mischief',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1848,345,'fire, lightning, the extended coverage perils, vandalism and malicious mischief, and collapse',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1849,346,'10 days',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1850,346,'15 days',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1851,346,'30 days',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1852,346,'None of these.',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1853,347,'19500',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1854,347,'1000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1855,347,'1500',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1856,347,'Nothing',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1857,348,'Nothing',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1858,348,'10000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1859,348,'20000',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1860,348,'25000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1861,349,'HO-8',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1862,349,'HO-3',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1863,349,'HO-2',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1864,349,'HO-4',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1865,350,'HO-8',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1866,350,'HO-3',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1867,350,'HO-2',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1868,350,'HO-4',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1869,351,'18',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1870,351,'25',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1871,351,'24',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1872,351,'21',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1873,352,'The Liberalization clause',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1874,352,'Waiver or Change of Policy provisions',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1875,352,'Additional Insurance clause',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1876,352,'Policyholder Benefits clause',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1877,353,'20000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1878,353,'10% of Coverage A',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1879,353,'50% of Coverage A',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1880,353,'No limit',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1881,354,'Nothing',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1882,354,'2500',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1883,354,'5000',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1884,354,'3000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1885,355,'100000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1886,355,'97500',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1887,355,'115000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1888,355,'112500',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1889,356,'0',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1890,356,'500',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1891,356,'1000',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1892,356,'1500',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1893,357,'500',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1894,357,'750',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1895,357,'1000',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1896,357,'1250',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1897,358,'The medical payments limit',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1898,358,'1000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1899,358,'Nothing',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1900,358,'500',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1901,359,'80000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1902,359,'120000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1903,359,'160000',1,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1904,359,'200000',0,'2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(1905,360,'Bodily injury limits of liability.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1906,360,'The insurance company\'s promise to pay on the behalf of the insured.',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1907,360,'Exclusions regarding certain uses of the auto',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1908,360,'Obligations of the insured in the event of a loss',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1909,361,'$50,000 BI for each person, $100,000 BI for each occurrence, and $50,000 PD for each accident',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1910,361,'$50,000 BI for each person, $100,000 BI for each occurrence, and $50,000 medical payments for each occurrence',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1911,361,'$50,000 BI total for all passengers, $100,000 PD for each occurrence, and $50,000 total medical payments for each occurrence',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1912,361,'A total of $150,000 is the maximum amount that will be paid to a claimant',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1913,362,'$300,000',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1914,362,'$325,000',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1915,362,'$315,000',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1916,362,'$340,000',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1917,363,'$53,000',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1918,363,'$58,000',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1919,363,'$61,000',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1920,363,'$50,000',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1921,364,'$20 per day, up to $600',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1922,364,'$25 per day, up to $650',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1923,364,'$15 per day, up to $450',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1924,364,'$0',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1925,365,'the insured',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1926,365,'passengers in the insured\'s vehicle',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1927,365,'the insured\'s family members',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1928,365,'occupants of a vehicle that is struck by the insured\'s vehicle',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1929,366,'Losses to newly acquired autos will be covered the same as the broadest coverage available for any other covered auto.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1930,366,'The policy will pay up to $20 per day up to a maximum of $600 for substitute transportation.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1931,366,'The insurer will pay for direct and accidental loss to a covered auto minus any applicable deductible.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1932,366,'The limit of liability is the greater of the actual cash value of the vehicle at the time of loss or the amount necessary to repair or replace the vehicle.',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1933,367,'intentionally caused to an insured by an insured',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1934,367,'injuries under $500',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1935,367,'caused by an underinsured driver',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1936,367,'caused by a public agency\'s vehicle',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1937,368,'$65,000 BI each occurrence, $25,000 PD each occurrence',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1938,368,'$85,000 BI each occurrence',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1939,368,'$85,000 PD each occurrence',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1940,368,'$85,000 BI &amp; PD each occurrence',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1941,369,'The insurer must give the insured a 90 day notice in order to find new insurance.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1942,369,'The insurer must inform the FAIR that it is canceling a policy.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1943,369,'The insurer may cancel a policy at any time with a 10-day notice if the insured fails to pay premiums when due.',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1944,369,'The insurer must inform the agent that his commission must be returned.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1945,370,'May deny the claim for an unlicensed driver.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1946,370,'May pay the claim for Johnnie and subrogate against Daddy.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1947,370,'Must pay the claim.',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1948,370,'Must call the police when the claim is reported.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1949,371,'Jim\'s policy is excess to Joe\'s policy and will defend both Jim and Joe.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1950,371,'Joe\'s policy is excess to Jim\'s policy and will defend both Jim and Joe.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1951,371,'Joe\'s policy is primary and will defend both Jim and Joe.',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1952,371,'Jim\'s policy is primary and will defend both Jim and Joe.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1953,372,'Farm private passenger autos',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1954,372,'A borrowed private passenger auto',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1955,372,'Pickup trucks and vans',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1956,372,'Pickup trucks used in business',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1957,373,'The new car has $500 deductible OTC &amp; Collision coverage for 4 days but liability coverage extends to December 31st.',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1958,373,'The new car has $500 deductible OTC, Collision, &amp; liability coverages for 14 days.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1959,373,'The new car has $500 deductible OTC, Collision, &amp; liability coverages for 4 days.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1960,373,'The new car has liability coverage only for 14 days.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1961,374,'$100 per day',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1962,374,'$150 per day',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1963,374,'$200 per day',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1964,374,'$250 per day',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1965,375,'Unintentional damage',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1966,375,'Damage to property being transported',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1967,375,'Damage occuring while driving for Uber',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1968,375,'A 3 wheeled motor vehicle',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1969,376,'Temporarily increase Mary\'s limits.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1970,376,'Depend on the Out of State policy provision.',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1971,376,'Purchased a short term policy in the other state.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1972,376,'Don\'t drive in the other state.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1973,377,'PIP provides $2,500 per person regardless of fault.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1974,377,'The insurer must provide PIP.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1975,377,'The insured must buy PIP.',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1976,377,'PIP pays for 80% of lost wages or for essential services.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1977,378,'Bodily Injury',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1978,378,'Property Damage',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1979,378,'Coverage for a hit and run',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1980,378,'Coverage for being run off the road but not hit',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1981,379,'The insured may reject the coverage in writing.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1982,379,'The insured may reject just the Property Damage coverage.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1983,379,'The Property Damage deductible is $200.',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1984,379,'The insurer must offer the coverage.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1985,380,'An excess liability policy over their auto policy.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1986,380,'A personal umbrella policy over all liability policies.',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1987,380,'A surety bond.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1988,380,'A commercial umbrella policy.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1989,381,'The amount required as the underlying policy limit.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1990,381,'An amount the insured agrees to pay for a loss covered by the excess policy but not covered by the underlying policy.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1991,381,'The amount the insured agrees to pay if the underlying policy does not pay but which is covered by the umbrella policy.',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1992,381,'It is the deductible on an excess liability policy.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1993,382,'$0',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1994,382,'$1,000',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1995,382,'$200,000',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1996,382,'$500,000',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1997,383,'catastrophe insurance',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1998,383,'overriding liability insurance',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(1999,383,'aggregate policies',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2000,383,'additional coverage insurance',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2001,384,'An unlicensed child resident.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2002,384,'A 23 year old foreign exchange student resident.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2003,384,'A non-resident spouse not named on the declarations page.',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2004,384,'An unlicensed grandmother resident.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2005,385,'A pick up truck',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2006,385,'A non-owned borrowed auto',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2007,385,'A farm auto',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2008,385,'A company car',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2009,386,'Girls slides off an auto cutting her leg on a fender.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2010,386,'Boy slams his thumb in a car door.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2011,386,'Man trips getting out of a car injuring his knee.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2012,386,'Woman slides on ice walking around her car injuring her back.',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2013,387,'Liability, medical payments, PIP, and UM/UIM will extend until August 3rd.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2014,387,'Liability, medical payments, PIP, and UM/UIM will extend for 14 days.',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2015,387,'Existing collision and OTC coverages will extend for 14 days.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2016,387,'If there were no collision or OTC coverages, the new car would have a $500 deductible for collision &amp; OTC for 4 days.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2017,388,'Bodily injury to others',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2018,388,'Damage to property of others',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2019,388,'Loss of use of the insured\'s auto',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2020,388,'Cost of defending the insured',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2021,389,'Cost of bail bonds up to $500',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2022,389,'A premium of $500 for an appeal bond',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2023,389,'Interest on a judgement that has been entered',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2024,389,'At the insurer\'s request to assist, loss of earnings up to $200 per day',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2025,390,'The insured backed into a car to get it to move out of the way.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2026,390,'All three.',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2027,390,'Damage to the insured\'s record player in his back seat.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2028,390,'The isured ran into a deer will driving an Uber passenger.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2029,391,'Jim can reject Uninsured Motorists Property Damage coverage.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2030,391,'Jim can buy UM/UIM limits of $500,000 CSL.',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2031,391,'Jim can buy UM/UIM limits of 30/60/25.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2032,391,'Jim can reject UM/UIM entirely.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2033,392,'Pete\'s son in his car.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2034,392,'Pete\'s neighbor in his car.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2035,392,'Pete\'s daughter struck by a passing truck\'s mirror as she is walking home from school.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2036,392,'Pete\'s friend in his neighbor\'s auto.',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2037,393,'Up to $2,500 for medical bills',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2038,393,'Up to $2,500 for funeral expenses',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2039,393,'80% of lost income up to $2,500',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2040,393,'Up to $2,500 for essential services to a wage earner.',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2041,394,'The at fault auto had no liability insurance.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2042,394,'The at fault auto was a hit and run.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2043,394,'The at fault auto\'s insurance company is insolvent.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2044,394,'The at fault auto has insurance but it is insufficient to cover all the injuries.',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2045,395,'Flood',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2046,395,'Larceny',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2047,395,'Freezing',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2048,395,'Striking a bird',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2049,396,'Notifying the police of an accident.',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2050,396,'Promptly notify the insurer.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2051,396,'Cooperate with the insurer.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2052,396,'Submit a proof of loss.',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2053,397,'Canada',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2054,397,'Mexico',1,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2055,397,'Puerto Rico',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2056,397,'Guam',0,'2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(2057,398,'when the claim is first made against the insured during the policy period.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2058,398,'before the claimant notifies the insured of the damages caused.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2059,398,'by BI or PD that occurs during the policy period.',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2060,398,'All of these.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2061,399,'Property damage to property owned by the insured',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2062,399,'Property damage to property in the care, custody, or control of the insured',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2063,399,'Liability assumed under an incidental contract',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2064,399,'Libel and slander',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2065,400,'Damage the insured causes intentionally',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2066,400,'Pollution losses caused by the insured',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2067,400,'Liquor liability for those in the business of serving liquor',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2068,400,'All of these',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2069,401,'It becomes effective automatically if needed when a claims-made policy expires.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2070,401,'The insured must request it in writing within 60 days after the policy expires.',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2071,401,'It does not require an additional premium.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2072,401,'No separate endorsement is required to provide this extended reporting period.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2073,402,'It extends the period of time in which a claim may be covered under the policy.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2074,402,'It stipulates a date as the first date on which an event may occur and be covered by the new policy if a claim is filed.',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2075,402,'It extends the policy period.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2076,402,'It shortens the policy period.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2077,403,'Telling a prospect that the other insurer is in financial difficulty.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2078,403,'Telling a prospect your policy is better when it is not.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2079,403,'Calling a client a cheat and a fraud.',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2080,403,'Misrepresenting policy provisions.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2081,404,'a premises liability loss',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2082,404,'a products and completed operations loss',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2083,404,'a contractual liability loss',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2084,404,'a personal injury liability loss',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2085,405,'partnership',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2086,405,'corporation',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2087,405,'LLC',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2088,405,'trust',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2089,406,'business auto',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2090,406,'CGL BI &amp; PD',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2091,406,'fiduciary liability',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2092,406,'Errors &amp; Omisions professional liability',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2093,407,'Directors and Officers professional',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2094,407,'Lawyers professional',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2095,407,'Employment Practices',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2096,407,'Fiduciary',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2097,408,'fleet',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2098,408,'nonowned',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2099,408,'hired',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2100,408,'owned',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2101,409,'Drive Other Car or Individual Named Insured',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2102,409,'Specified autos',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2103,409,'Hired autos',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2104,409,'Nonowned autos',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2105,410,'1',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2106,410,'7',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2107,410,'8',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2108,410,'19',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2109,411,'increase her limits to that state\'s requirements',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2110,411,'buy a new policy for that state',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2111,411,'rely on her policy\'s Out of State coverage extension',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2112,411,'buy an excess liability policy',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2113,412,'the medical payments coverage limit',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2114,412,'the PIP coverage limit',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2115,412,'the Per Person Bodily Injury limit',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2116,412,'nothing',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2117,413,'$500',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2118,413,'$400',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2119,413,'$0',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2120,413,'ACV minus the deductible',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2121,414,'used car dealer',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2122,414,'limo operator',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2123,414,'auto body shop',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2124,414,'service station',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2125,415,'garagekeepers',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2126,415,'uninsured motorist',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2127,415,'premises liability',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2128,415,'physical damage',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2129,416,'Premises &amp; Operation exposure',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2130,416,'Products &amp; Completed Operations exposure',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2131,416,'Medical Payments',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2132,416,'Both the Premises &amp; Operation and Products &amp; Completed Operations exposures',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2133,417,'owned autos',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2134,417,'customer\'s autos',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2135,417,'nonowned autos',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2136,417,'garage operations',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2137,418,'an accident',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2138,418,'an event',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2139,418,'an occurrence',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2140,418,'all of these',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2141,419,'per event',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2142,419,'per occurrence',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2143,419,'per person',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2144,419,'in aggregate',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2145,420,'It is the maximum amount available for payment of bodily injuries to a single person in an accident regardless of the policy limit stated in the policy for bodily injury claims.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2146,420,'Multiple persons can be paid until the aggregate limits are exhausted.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2147,420,'It is the limit found in the Medical payments coverage of the CGL.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2148,420,'All are true.',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2149,421,'$185,000',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2150,421,'$685,000',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2151,421,'$585,000',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2152,421,'$700,000',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2153,422,'premises and products',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2154,422,'operations and products',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2155,422,'operations and completed operations',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2156,422,'premises and completed operations',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2157,423,'premises and products',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2158,423,'operations and completed operations',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2159,423,'premises &amp; operations and products',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2160,423,'premises &amp; operations and completed operations',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2161,424,'property damage liability',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2162,424,'personal injury',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2163,424,'damage to property of others',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2164,424,'none of these',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2165,425,'The CGL would not respond as liquor liability is excluded.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2166,425,'The Medical Payments coveage would apply.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2167,425,'The Bodily Injuruy liability cobverage would apply.',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2168,425,'The Products &amp; Completed Operations coverage would apply.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2169,426,'The right and duty of the insured to defend ends when the limits of insurance have been exhausted.',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2170,426,'The insurer also has the right and duty to defend the insured in a suit against them.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2171,426,'The insurer, at its discretion, may investigate any occurrence or suit, but will pay no more than the policy limits.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2172,426,'The right and duty of the insurer to defend ends when the limits of insurance have been exhausted.',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2173,427,'expected or intentional injuries',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2174,427,'employers liability',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2175,427,'liquor liability',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2176,427,'workers compensation',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2177,428,'easement',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2178,428,'waiver of subrogation',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2179,428,'sidetract agreement',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2180,428,'elevator maintenance agreement',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2181,429,'False arrest, detention, or imprisonment',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2182,429,'Slander or libel that is known not to be true in oral or written publication in any manner',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2183,429,'Oral or written publication that violates or invades the privacy of another',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2184,429,'Wrongful or unlawful eviction, entry, or invasion of privacy by a landlord, owner, leasor, or someone on their behalf',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2185,430,'guests on your premises',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2186,430,'volunteer workers',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2187,430,'employees',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2188,430,'vendors',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2189,431,'All expenses the insurer incurs and the insured\'s reasonable expenses required to attend court and other costs .',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2190,431,'Up to $250 for the cost of bail bonds',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2191,431,'Up to $200 per day for loss of insured\'s earnings if required to attend hearings or trials',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2192,431,'All costs associated with the insured\'s defense',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2193,432,'Consent to settle clause',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2194,432,'Agreement to defend',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2195,432,'Provision for frivilous claims',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2196,432,'Defense settlement clause',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2197,433,'Lawywers professional',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2198,433,'Directors &amp; Officers professional',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2199,433,'Employment practices liability',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2200,433,'Fiduciary liability',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2201,434,'lawyers',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2202,434,'insurance agents',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2203,434,'employee benefit plan administrators',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2204,434,'annuity agents',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2205,435,'delivery drivers',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2206,435,'owners of a borrowed auto',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2207,435,'employees using their own auto',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2208,435,'partners using their own auto',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2209,436,'injuries to employees',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2210,436,'damage to property transported',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2211,436,'damage caused by the operation of mobile equipment',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2212,436,'pollution caused by the transmission fluid',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2213,437,'Specified Causes of Loss',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2214,437,'Other Than Collision',1,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2215,437,'Limited Named Perils',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2216,437,'Collision',0,'2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(2217,438,'merchandise being stolen with evidence of forced entry',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2218,438,'a clerk witnessing a customer shoplifting merchandise',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2219,438,'a clerk being robbed at gunpoint',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2220,438,'the store’s year-end inventory coming up short by 5%',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2221,439,'a named schedule',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2222,439,'a named position schedule',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2223,439,'a position schedule',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2224,439,'blanket coverage',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2225,440,'principal, obligee, and surety',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2226,440,'obligor, principal, and surety',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2227,440,'principal, obligee, and obligor',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2228,440,'insured, obligor, and principal',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2229,441,'guarantees that if the obligee is awarded the contract, the obligee will enter into and furnish a performance bond.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2230,441,'guarantees that if the principal is awarded the contract, the surety will furnish the performance bond for the principal.',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2231,441,'guarantees the lending institution that the supplier will furnish the material to the bidder.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2232,441,'guarantees the work will commence on schedule.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2233,442,'guarantees that if the obligee is awarded the contract, the obligee will furnish a performance bond.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2234,442,'guarantees that if the principal is awarded the contract, the surety will furnish the performance bond for the principal.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2235,442,'guarantees that the principal will be paid by the obligee on time.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2236,442,'none of these',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2237,443,'Property must be taken from a custodian or watch person.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2238,443,'There must be no evidence of force or violence.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2239,443,'The burglary must involve acts of a convicted felon.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2240,443,'There must be unlawful entry or exit from the premises with visible evidence.',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2241,444,'obligee',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2242,444,'bailee',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2243,444,'surety',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2244,444,'principal',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2245,445,'The store owner knew an employee who stole from the store had shoplifted before hiring him.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2246,445,'A manager was robbed of the bank deposit when away from the business premises.',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2247,445,'A burglar entered and left through an open skylight.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2248,445,'The insured refused to notify the police about the employee’s theft.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2249,446,'contract',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2250,446,'judiciary',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2251,446,'license &amp; permit',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2252,446,'fiduciary',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2253,447,'A business from a shoplifter.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2254,447,'An employee from a robber.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2255,447,'A business from a pension fund mismanagement.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2256,447,'A business from an employee theft.',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2257,448,'the employer\'s health insurance.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2258,448,'the Insurance Commissioner.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2259,448,'the Americans with Disabilities Act.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2260,448,'the Second Injury Fund',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2261,449,'employees',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2262,449,'employers',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2263,449,'both employers and employees proportionately',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2264,449,'the DWC',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2265,450,'medical',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2266,450,'mental anguish',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2267,450,'rehabilitation',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2268,450,'disability income',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2269,451,'to most employees, except those specifically excluded by law.',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2270,451,'only to employees in hazardous occupations.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2271,451,'only to employees who work full time.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2272,451,'only to employees who are inside a building.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2273,452,'compulsory',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2274,452,'elective',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2275,452,'required',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2276,452,'reciprocal',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2277,453,'indemnification',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2278,453,'a medical benefit',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2279,453,'the exclusive remedy',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2280,453,'compulsory',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2281,454,'An employee who is injured getting out of a car in the company parking lot.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2282,454,'A wife who is injured while visiting her husband’s job site.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2283,454,'An employee who has an epileptic seizure on the job.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2284,454,'An employee who is injured in a car accident while driving to work in a company truck.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2285,455,'24 hours',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2286,455,'8 days',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2287,455,'30 days',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2288,455,'1 year',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2289,456,'burial expenses up to $10,000.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2290,456,'training for a new job.',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2291,456,'unlimited medical expenses.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2292,456,'loss of income benefits.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2293,457,'1 week of the date of injury',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2294,457,'1 year of the date of the injury',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2295,457,'1 year of the date the disability ends',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2296,457,'2 years of the date the disability ends',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2297,458,'48 hours',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2298,458,'1 week',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2299,458,'1 month',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2300,458,'1 year',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2301,459,'All employers domiciled in Texas are required to obtain workers compensation insurance coverage for their employees.',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2302,459,'Workers compensation provides compensation to employees who are injured on the job without regard to fault or negligence on the part of either the employer or employee.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2303,459,'Workers compensation protects the employer from its negligence.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2304,459,'Workers compensation\'s primary advantage for the injured employee is that it provides a quick and certain means of compensation.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2305,460,'Workers are injured when a hydraulic lift collapses.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2306,460,'An injury that occurs when an employee slips on a wet floor while changing clothes in the employee locker room.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2307,460,'An accident that occurs while an employee is driving a forklift from a truck to the warehouse.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2308,460,'An intoxicated employee cuts himself with an electric saw.',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2309,461,'cosmetic surgery solely for aesthetic reasons.',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2310,461,'physical rehabilitation.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2311,461,'vocational training.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2312,461,'first aid.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2313,462,'5000',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2314,462,'6000',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2315,462,'8000',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2316,462,'10000',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2317,463,'7',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2318,463,'8',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2319,463,'15',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2320,463,'30',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2321,464,'The employee\'s average weekly earnings',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2322,464,'The nature of the injury',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2323,464,'The employer\'s payroll',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2324,464,'Whether the employee has any dependents',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2325,465,'7',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2326,465,'8',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2327,465,'15',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2328,465,'30',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2329,466,'It can be added to a Commercial package Policy.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2330,466,'It is always written monoline.',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2331,466,'It addresses exclusions found in property policies.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2332,466,'The declaration page shows all the coverages available.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2333,467,'compulsory',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2334,467,'monopolistic',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2335,467,'statutory',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2336,467,'compensatory',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2337,468,'penalty is paid to the principal.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2338,468,'penalty is paid to the surety.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2339,468,'penalty is paid to the obligee.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2340,468,'the bond is purchased.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2341,469,'They are the employees exclusive remedy.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2342,469,'The benefits are paid regardless of fault or negligence.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2343,469,'Private insurers provide coverage in all states.',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2344,469,'In monopolistic states, the state provides the coverage.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2345,470,'If the employer does not exercise control over the person performing the task.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2346,470,'If the person is paid a wage or some method of compensation by the employer.',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2347,470,'If the business does not have the right to hire or fire the person.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2348,470,'If the business does not furnish the materials necessary for the person to perform their task.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2349,471,'5',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2350,471,'7',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2351,471,'8',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2352,471,'10',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2353,472,'fellow servant rule',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2354,472,'improper instructions',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2355,472,'contributory negligence',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2356,472,'assumption of risk',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2357,473,'are covered temporarily by the Other States Insurance clause.',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2358,473,'are covered for medical benefits only',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2359,473,'are covered for disability benefits only',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2360,473,'are covered by the Second Injury Fund',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2361,474,'They replace the average weekly wage for the 14 weeks prior to the injury.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2362,474,'They replace the monthly salary prior to the injury.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2363,474,'They replace a portion of the average weekly wage for the 13 weeks prior to the injury.',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2364,474,'They replace the weekly wage prior to the injury.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2365,475,'monthly after a 30 day waiting period.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2366,475,'weekly with no waiting period.',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2367,475,'in a lump sum.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2368,475,'in a lump sum after a 30 day waiting period.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2369,476,'black lung disease',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2370,476,'asbestosis',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2371,476,'chemically induced cancer',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2372,476,'diabetes',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2373,477,'Workers compensation rating is developed by applying a rating bureau job classification rate to each $100 of payroll.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2374,477,'Estimated payroll figures are used when a policy is issued and the final premium is determined by an audit.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2375,477,'An experience modification factor is developed by the insurer for each covered employer.',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2376,477,'A premium discount applies when an insured owes a total standard premium greater than $5,000.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2377,478,'Experience rating is based on frequency of claims and not severity.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2378,478,'Experience rating is based on frequency of claims and not severity and is a way to punish unsafe employers and reward safe ones based on losses incurred to encourage employers to create safe workplaces.',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2379,478,'A modifier of .95 punishes the employer and 1.1 rewards the employer.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2380,478,'None of these is true.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2381,479,'suits by exempt employments.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2382,479,'suits by illegal employments.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2383,479,'suits for gross negligence.',0,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2384,479,'suits brought by friends for loss of consortium.',1,'2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(2385,480,'a mutual company',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2386,480,'a stock company',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2387,480,'a reciprocal company',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2388,480,'a Lloyd\'s assciation',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2389,481,'None',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2390,481,'a stock company',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2391,481,'a reciprocal company',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2392,481,'a Lloyd\'s assciation',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2393,482,'controlled business',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2394,482,'personal business',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2395,482,'agency business',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2396,482,'illegal business',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2397,483,'only to the extent that a state does not regulate it',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2398,483,'at sea',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2399,483,'in interstate commerce',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2400,483,'they don\'t',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2401,484,'the Texas legislature',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2402,484,'the commissioner of insurance',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2403,484,'the federal government',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2404,484,'the Texas Department of Insurance',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2405,485,'has to take the Texas exam',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2406,485,'must be licensed in another state',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2407,485,'must not have an office in Texas',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2408,485,'can sell insurance in Texas',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2409,486,'24',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2410,486,'30',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2411,486,'36',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2412,486,'15',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2413,487,'write insurance law',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2414,487,'conduct investigations',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2415,487,'create rules and regulations for insurance companies',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2416,487,'approve an insurance company\'s rates before use',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2417,488,'Delaying settlement when liability is reasonably clear',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2418,488,'Requiring an income tax return after a fire loss if arson is suspected',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2419,488,'Misrepresenting an existing policy to sell another policy',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2420,488,'All three',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2421,489,'a risk manager',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2422,489,'an insurance counselor',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2423,489,'a surplus lines agent',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2424,489,'a reinsurer',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2425,490,'unauthorized insurers',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2426,490,'alien insurers',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2427,490,'illegal insurers',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2428,490,'foreign insurers',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2429,491,'The applicant must complete 40 hours of training supervised by an agent or insurer.',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2430,491,'The applicant must be sponsored by the TDI.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2431,491,'The applicant must complete a licensing course within 10 days of application filing.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2432,491,'The applicant must demonstrate high unethical standards.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2433,492,'twisting',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2434,492,'intimidation',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2435,492,'coercion',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2436,492,'rebating',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2437,493,'Liquidated demand',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2438,493,'Replacement valued policy',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2439,493,'Actual cash value',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2440,493,'Market valued policy',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2441,494,'Providing for the payment of part of the agent’s commission to the insured',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2442,494,'Representing a binder as evidence of insurance',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2443,494,'Encouraging an agent to sell only one type of business owner’s policy',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2444,494,'Issuing policies at a higher premium rate for higher risk insureds',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2445,495,'assessing criminal penalties',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2446,495,'calculating reinsurance reserves',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2447,495,'publishing results of insurance investigations',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2448,495,'reporting to the governor',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2449,496,'Nonadmitted insurers',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2450,496,'Admitted insurers',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2451,496,'Authorized insurers',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2452,496,'Texas Lloyds',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2453,497,'Water damage from the runoff after a heavy rain',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2454,497,'Water damage from a broken water pipe',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2455,497,'Water damage from the overflow of a bath tub',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2456,497,'Water damage from a leaking washing machine',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2457,498,'has been rejected for insurance by at least 2 licensed insurers actually writing auto insurance',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2458,498,'has not been involved in an at fault accident within the last 12 months',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2459,498,'has lived in the state for less than 3 months',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2460,498,'is of good character and sound financial condition',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2461,499,'The Association is divided into five separate accounts.',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2462,499,'Any claim that would not be covered by the insurer is not covered by the Association.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2463,499,'Failure to pay an assessment when due may cost an insurer revocation of its COA.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2464,499,'Only Texas residents with policies covering Texas risks are covered.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2465,500,'Texas Mutual Insurance Company',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2466,500,'Texas Property and Casualty Pool',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2467,500,'Texas Property and Casualty Insurance Guaranty Association',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2468,500,'Texas Insurers’ Federation',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2469,501,'It is a nonadmitted insurer.',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2470,501,'It has a Certificate of Authority.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2471,501,'It writes medical malpractice insurance.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2472,501,'It writes premises liability for a doctor’s office.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2473,502,'Erosion along a lakeshore',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2474,502,'Mudslide',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2475,502,'Rain runoff covering over three acres',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2476,502,'Broken water main overflow covering 2 city blocks',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2477,503,'Appliances inside the house',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2478,503,'Patio furniture',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2479,503,'Outside storage boxes',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2480,503,'Boats onshore',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2481,504,'In underserved areas by ZIP code',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2482,504,'In the 14 first tier counties',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2483,504,'As deserving commercial property',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2484,504,'As high risk property',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2485,505,'President of the United States',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2486,505,'Secretary of Homeland Security',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2487,505,'Attorney General',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2488,505,'Secretary of the Treasury',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2489,506,'2 years',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2490,506,'5 years',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2491,506,'3 years',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2492,506,'4 years',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2493,507,'5 years',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2494,507,'3 years',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2495,507,'4 years',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2496,507,'9 years',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2497,508,'50000',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2498,508,'25000',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2499,508,'100000',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2500,508,'500000',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2501,509,'500000',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2502,509,'50000',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2503,509,'250000',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2504,509,'300000',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2505,510,'15 days',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2506,510,'10 days',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2507,510,'14 days',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2508,510,'20 days',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2509,511,'5 years',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2510,511,'1 year',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2511,511,'3 years',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2512,511,'6 years',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2513,512,'14 days',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2514,512,'15 days',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2515,512,'10 days',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2516,512,'20 days',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2517,513,'20 days',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2518,513,'15 days',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2519,513,'14 days',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2520,513,'10 days',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2521,514,'25000',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2522,514,'1000',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2523,514,'5000',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2524,514,'50000',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2525,515,'$50-$500',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2526,515,'$150-$350',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2527,515,'$100-$1,000',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2528,515,'$500-$1,000',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2529,516,'$1,000-$5,000',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2530,516,'$500-$5,000',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2531,516,'$50-$500',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2532,516,'$500-$1,000',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2533,517,'Age 18',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2534,517,'Age 18 & a high school graduate',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2535,517,'Age 21 with an approved insurance course',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2536,517,'Age 21',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2537,518,'5 years',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2538,518,'1 year',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2539,518,'2 years',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2540,518,'180 days',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2541,519,'All three.',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2542,519,'It is valid for 180 days.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2543,519,'It may be renewed one time.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2544,519,'It may be renewed after a 90 day wait.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2545,520,'Emergency',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2546,520,'Temporary',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2547,520,'Agent\'s license',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2548,520,'Permission from the TDI',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2549,521,'The licenses of businesses (corporations) licensed as agents renew every 4 years after the license is first issued.',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2550,521,'The licenses of businesses (corporations) licensed as agents renew every 2 years after the license is first issued.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2551,521,'Individual agent licenses are renewed every 2 years based on their birth year (even/odd numbered birth years renew in even/odd numbered years).',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2552,521,'All the above',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2553,522,'A license expired for 180 days but less than one year cannot be renewed; a new license may be issued with no exam upon payment of license fee and penalty fee (new application required).',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2554,522,'A license expired for 90 days or less may be renewed by paying the renewal fee plus a 50% penalty (no application required).',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2555,522,'A license expired for 90 days but less than one year cannot be renewed; a new license may be issued with no exam upon payment of license fee and penalty fee (new application required).',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2556,522,'An agent whose license has expired for 1 year(s) or more must start over (new application &amp; exam).',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2557,523,'Felony convictions must be reported to the Commissioner/TDI within 30 days.',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2558,523,'Administrative actions must be reported to the Commissioner/TDI within 20 days.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2559,523,'Changes of address must be reported to the Commissioner/TDI within 60 days.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2560,523,'The address of an agent may be a PO box.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2561,524,'CE records must be kept for 5 years.',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2562,524,'To write Flood insurance, there is a one-time 3 hour Flood certification requirement.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2563,524,'2 CE hours must be Ethics &amp; Consumer Protection.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2564,524,'The total CE requirement in a 2-year license period is 24 hours.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2565,525,'An agent with a temporary license may write controlled business after 14 days of training.',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2566,525,'It is insurance written on the agent or on the agent\'s family or business associates.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2567,525,'It is an unfair trade practice if more than 75% of an agent\'s book of business is controlled.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2568,525,'An agent with an emergency license may write controlled business.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2569,526,'Suspected fraudulent acts must be reported to the Commissioner within 60 days.',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2570,526,'Binders must be replaced by the insurance policy within 30 days.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2571,526,'Surplus lines insurer\'s capital and surplus must be at least $15 million.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2572,526,'Forms to be used by an insurer must be filed 60 days before use.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2573,527,'All the above.',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2574,527,'May be cancelled within the first 60 days for any reason.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2575,527,'Notices of Cancellation are 10 days in advance.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2576,527,'Notices of Non-renewal are 30 days in advance.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2577,528,'6 months',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2578,528,'3 months',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2579,528,'9 months',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2580,528,'12 months',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2581,529,'Commercial Lines policies may be canceled for any reason within the first 90 days of the policy.',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2582,529,'Notices of Cancellation for commercial lines are 15 days.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2583,529,'Notices of Nonrenewal for commercial lines are 90 days in advance.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2584,529,'An insurer may always cancel a policy for non-payment within 10 days without notice.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2585,530,'To obtain insurance through the association, an applicant and the servicing agent must certify that the applicant has been rejected for insurance by at least 3 authorized auto insurers.',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2586,530,'The Texas Automobile Insurance Plan Association (TAIPA) is a nonprofit corporate entity governed by 15 committee members and composed of all insurers authorized to write motor vehicle liability insurance coverage in Texas.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2587,530,'Assignments are made based on the insurers’ pro rata share of all auto insurance written in the state.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2588,530,'The association assigns member insurers to write auto liability policies to applicants who are required to demonstrate financial responsibility.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2589,531,'5 days',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2590,531,'3 days',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2591,531,'7 days',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2592,531,'10 days',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2593,532,'Burial expenses are paid to the surviving spouse.',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2594,532,'The Average Weekly Wage is based on the prior 13 consecutive weeks’ earnings.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2595,532,'Disability payments do not begin until the 8th day of disability. If disability lasts for 2 weeks or longer, benefits are paid from the date disability began.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2596,532,'Burial costs are covered up to $10,000.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2597,533,'The employee must notify the employer within 15 days after the injury.',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2598,533,'The employee must file a claim for compensation within 1 year(s) of injury.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2599,533,'The employer must notify the insurer within 8 days.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2600,533,'Insurers must begin benefit payments within 15 days of notice.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2601,534,'All three.',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2602,534,'$25,000 for the return of unearned premium.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2603,534,'$300,000 per claimant for all other covered claims.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2604,534,'The full amount for worker\'s comp claims.',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2605,535,'uniform licensing laws',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2606,535,'privacy protection',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2607,535,'financial strength rating',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2608,535,'the consumer\'s right to opt out of disclosure',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2609,536,'the insurer must provide a copy of the credit report if asked',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2610,536,'the insurer must change the report if inaccurate',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2611,536,'the insurer must provide the identities of others requesting the report if asked',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2612,536,'the insured may challenge the accuracy of the report with the credit bureau',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2613,537,'Homeland Security',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2614,537,'Secretary of State',1,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2615,537,'Department of Treasury',0,'2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(2616,537,'US Attorney General',0,'2023-05-23 10:42:40','2023-05-23 10:42:40');



# Dump of table assets
# ------------------------------------------------------------


CREATE TABLE `assets` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `name` varchar(150) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `assetable_id` bigint DEFAULT NULL,
  `assetable_type` varchar(100) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `url` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `extension` varchar(4) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `thumb` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `size` bigint unsigned DEFAULT NULL,
  `type` varchar(30) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `created_at` timestamp NULL DEFAULT NULL,
  `updated_at` timestamp NULL DEFAULT NULL,
  `deleted_at` timestamp NULL DEFAULT NULL,
  PRIMARY KEY (`id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;


INSERT INTO `assets` (`id`, `name`, `assetable_id`, `assetable_type`, `url`, `extension`, `thumb`, `size`, `type`, `created_at`, `updated_at`, `deleted_at`)
VALUES
	(1,NULL,8,'App\\Models\\User','assets/avatars/axiom-favicon1678274219.png','png',NULL,NULL,'AVATAR','2023-03-08 11:16:59','2023-03-08 11:16:59',NULL),
	(2,NULL,5,'App\\Models\\Category','assets/images/15704462700581678392255.jpeg','jpeg','assets/images/thumbnails/15704462700581678392255.jpeg',12469,'IMAGE','2023-03-09 20:04:15','2023-03-09 20:04:15',NULL),
	(3,NULL,4,'App\\Models\\Course','assets/images/skedmy1678691680.jpg','jpg','assets/images/thumbnails/skedmy1678691680.jpg',55098,'IMAGE','2023-03-13 07:14:40','2023-03-13 07:14:40',NULL),
	(4,NULL,2,'App\\Models\\Course','assets/images/skedmy1678700929.jpg','jpg','assets/images/thumbnails/skedmy1678700929.jpg',55098,'IMAGE','2023-03-13 09:48:49','2023-03-13 09:48:49',NULL),
	(5,NULL,6,'App\\Models\\Category','assets/images/insurance1681320752.png','png','assets/images/thumbnails/insurance1681320752.png',462356,'IMAGE','2023-04-12 17:32:32','2023-04-12 17:32:32',NULL),
	(6,NULL,7,'App\\Models\\Category','assets/images/certification1681320799.png','png','assets/images/thumbnails/certification1681320799.png',575406,'IMAGE','2023-04-12 17:33:19','2023-04-12 17:33:19',NULL),
	(7,NULL,1,'App\\Models\\Course','assets/images/property-and-casuality1681321264.png','png','assets/images/thumbnails/property-and-casuality1681321264.png',575406,'IMAGE','2023-04-12 17:41:04','2023-04-12 17:41:04',NULL);



# Dump of table categories
# ------------------------------------------------------------


CREATE TABLE `categories` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `title` varchar(191) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `url_title` varchar(191) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `description` text COLLATE utf8mb4_unicode_ci,
  `details` longtext COLLATE utf8mb4_unicode_ci,
  `parent_id` bigint unsigned DEFAULT NULL,
  `status` enum('ACTIVE','INACTIVE') COLLATE utf8mb4_unicode_ci DEFAULT 'ACTIVE',
  `created_at` timestamp NULL DEFAULT NULL,
  `updated_at` timestamp NULL DEFAULT NULL,
  PRIMARY KEY (`id`),
  KEY `categories_parent_id_foreign` (`parent_id`),
  CONSTRAINT `categories_parent_id_foreign` FOREIGN KEY (`parent_id`) REFERENCES `categories` (`id`) ON DELETE SET NULL
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;


INSERT INTO `categories` (`id`, `title`, `url_title`, `description`, `details`, `parent_id`, `status`, `created_at`, `updated_at`)
VALUES
	(6,'Insurance','insurance-6','Life Insurance',NULL,NULL,'ACTIVE','2023-04-12 17:32:32','2023-04-12 17:32:32'),
	(7,'Certification','certification-7','Insurance Certifications',NULL,NULL,'ACTIVE','2023-04-12 17:33:19','2023-04-12 17:33:19');



# Dump of table contents
# ------------------------------------------------------------


CREATE TABLE `contents` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `title` varchar(200) DEFAULT NULL,
  `url_title` varchar(255) DEFAULT NULL,
  `contents` longtext,
  `created_at` datetime DEFAULT NULL,
  `updated_at` datetime DEFAULT NULL,
  PRIMARY KEY (`id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb3;


INSERT INTO `contents` (`id`, `title`, `url_title`, `contents`, `created_at`, `updated_at`)
VALUES
	(1,'Privacy Policy','privacy-policy',NULL,'2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(2,'Terms & Conditions','terms-conditions',NULL,'2023-04-14 18:34:36','2023-04-14 18:34:36');



# Dump of table course_categories
# ------------------------------------------------------------


CREATE TABLE `course_categories` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `course_id` bigint unsigned DEFAULT NULL,
  `category_id` bigint unsigned DEFAULT NULL,
  PRIMARY KEY (`id`),
  KEY `course_categories_course_id_foreign` (`course_id`),
  KEY `course_categories_category_id_foreign` (`category_id`),
  CONSTRAINT `course_categories_category_id_foreign` FOREIGN KEY (`category_id`) REFERENCES `categories` (`id`) ON DELETE CASCADE,
  CONSTRAINT `course_categories_course_id_foreign` FOREIGN KEY (`course_id`) REFERENCES `courses` (`id`) ON DELETE CASCADE
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;


INSERT INTO `course_categories` (`id`, `course_id`, `category_id`)
VALUES
	(2,1,6);



# Dump of table courses
# ------------------------------------------------------------


CREATE TABLE `courses` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `title` varchar(191) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `url_title` varchar(191) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `type` varchar(191) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `description` text COLLATE utf8mb4_unicode_ci,
  `details` longtext COLLATE utf8mb4_unicode_ci,
  `author` varchar(191) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `price` decimal(12,2) DEFAULT '0.00',
  `settings` json DEFAULT NULL,
  `status` enum('ACTIVE','INACTIVE','ARCHIVED') COLLATE utf8mb4_unicode_ci DEFAULT 'ACTIVE',
  `created_at` timestamp NULL DEFAULT NULL,
  `updated_at` timestamp NULL DEFAULT NULL,
  `deleted_at` timestamp NULL DEFAULT NULL,
  PRIMARY KEY (`id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;


INSERT INTO `courses` (`id`, `title`, `url_title`, `type`, `description`, `details`, `author`, `price`, `settings`, `status`, `created_at`, `updated_at`, `deleted_at`)
VALUES
	(1,'Texas Property & Casualty','texas-property-casualty-1',NULL,'<p>Texas Property &amp; Casualty</p>',NULL,NULL,169.00,'{\"access\": \"PAID\", \"days_to_renew\": \"30\", \"renewal_price\": \"24.95\", \"days_to_expire\": \"45\"}','ACTIVE','2023-04-12 17:41:04','2023-04-12 17:41:04',NULL);



# Dump of table discount_courses
# ------------------------------------------------------------


CREATE TABLE `discount_courses` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `course_id` bigint unsigned DEFAULT NULL,
  `discount_id` bigint unsigned DEFAULT NULL,
  PRIMARY KEY (`id`),
  KEY `discount_courses_course_id_foreign` (`course_id`),
  KEY `discount_courses_discount_id_foreign` (`discount_id`),
  CONSTRAINT `discount_courses_course_id_foreign` FOREIGN KEY (`course_id`) REFERENCES `courses` (`id`) ON DELETE CASCADE,
  CONSTRAINT `discount_courses_discount_id_foreign` FOREIGN KEY (`discount_id`) REFERENCES `discounts` (`id`) ON DELETE CASCADE
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;


INSERT INTO `discount_courses` (`id`, `course_id`, `discount_id`)
VALUES
	(265,1,1),
	(266,1,2),
	(267,1,3);



# Dump of table discount_users
# ------------------------------------------------------------


CREATE TABLE `discount_users` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `discount_id` bigint unsigned DEFAULT NULL,
  `user_id` bigint unsigned DEFAULT NULL,
  PRIMARY KEY (`id`),
  KEY `discount_users_discount_id_foreign` (`discount_id`),
  KEY `discount_users_user_id_foreign` (`user_id`),
  CONSTRAINT `discount_users_discount_id_foreign` FOREIGN KEY (`discount_id`) REFERENCES `discounts` (`id`) ON DELETE CASCADE,
  CONSTRAINT `discount_users_user_id_foreign` FOREIGN KEY (`user_id`) REFERENCES `users` (`id`) ON DELETE CASCADE
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;



# Dump of table discounts
# ------------------------------------------------------------


CREATE TABLE `discounts` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `title` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `code` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `type` enum('COUPON','VOUCHER') COLLATE utf8mb4_unicode_ci DEFAULT 'COUPON',
  `status` enum('ACTIVE','INACTIVE') COLLATE utf8mb4_unicode_ci DEFAULT 'ACTIVE',
  `amount_type` enum('PERCENTAGE','FIXED') COLLATE utf8mb4_unicode_ci DEFAULT 'FIXED',
  `amount` decimal(12,2) DEFAULT '0.00',
  `settings` json DEFAULT NULL,
  `user_id` bigint unsigned DEFAULT NULL,
  `used_by` bigint unsigned DEFAULT NULL,
  `created_at` timestamp NULL DEFAULT NULL,
  `updated_at` timestamp NULL DEFAULT NULL,
  `deleted_at` timestamp NULL DEFAULT NULL,
  PRIMARY KEY (`id`),
  KEY `partner_id` (`user_id`),
  CONSTRAINT `discounts_ibfk_1` FOREIGN KEY (`user_id`) REFERENCES `users` (`id`) ON DELETE CASCADE
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;


INSERT INTO `discounts` (`id`, `title`, `code`, `type`, `status`, `amount_type`, `amount`, `settings`, `user_id`, `used_by`, `created_at`, `updated_at`, `deleted_at`)
VALUES
	(1,'$20 OFF','20OFF','COUPON','ACTIVE','FIXED',20.00,'{\"max_use\": \"1\", \"discount\": \"20\", \"has_range\": false}',NULL,NULL,'2023-05-28 07:11:18','2023-05-28 07:11:18',NULL),
	(2,'Voucher Code','e85af34d-07c9-470b-9504-60344c303173','VOUCHER','ACTIVE','PERCENTAGE',100.00,'{\"max_use\": 1, \"discount\": 0, \"has_range\": 0}',NULL,NULL,'2023-05-28 07:11:34','2023-05-28 07:11:34',NULL),
	(3,'Voucher Code','b9c7d35d-7574-4468-ae64-4a82fea12310','VOUCHER','ACTIVE','PERCENTAGE',100.00,'{\"max_use\": 1, \"discount\": 0, \"has_range\": 0}',11,NULL,'2023-05-28 07:12:25','2023-05-28 07:12:25',NULL);



# Dump of table enrollments
# ------------------------------------------------------------


CREATE TABLE `enrollments` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `user_id` bigint unsigned DEFAULT NULL,
  `course_id` bigint unsigned DEFAULT NULL,
  `status` enum('ACTIVE','INACTIVE') DEFAULT 'ACTIVE',
  `partner_id` bigint unsigned DEFAULT NULL,
  `count` int unsigned DEFAULT '0',
  `expires_at` datetime DEFAULT NULL,
  `created_at` datetime DEFAULT NULL,
  `updated_at` datetime DEFAULT NULL,
  `deleted_at` datetime DEFAULT NULL,
  PRIMARY KEY (`id`),
  KEY `user_id` (`user_id`),
  KEY `course_id` (`course_id`),
  KEY `partner_id` (`partner_id`),
  CONSTRAINT `enrollments_ibfk_1` FOREIGN KEY (`user_id`) REFERENCES `users` (`id`) ON DELETE CASCADE,
  CONSTRAINT `enrollments_ibfk_2` FOREIGN KEY (`course_id`) REFERENCES `courses` (`id`) ON DELETE CASCADE,
  CONSTRAINT `enrollments_ibfk_3` FOREIGN KEY (`partner_id`) REFERENCES `users` (`id`) ON DELETE CASCADE
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb3;


INSERT INTO `enrollments` (`id`, `user_id`, `course_id`, `status`, `partner_id`, `count`, `expires_at`, `created_at`, `updated_at`, `deleted_at`)
VALUES
	(1,9,1,'ACTIVE',NULL,0,'2023-07-03 08:12:04','2023-05-19 08:12:04','2023-05-19 08:12:04',NULL),
	(2,10,1,'ACTIVE',NULL,0,'2023-07-10 19:49:28','2023-05-26 19:49:28','2023-05-26 19:49:28',NULL),
	(4,11,1,'ACTIVE',NULL,0,'2023-07-12 08:55:00','2023-05-28 08:55:00','2023-05-28 08:55:00',NULL);



# Dump of table failed_jobs
# ------------------------------------------------------------


CREATE TABLE `failed_jobs` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `uuid` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL,
  `connection` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `queue` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `payload` longtext COLLATE utf8mb4_unicode_ci NOT NULL,
  `exception` longtext COLLATE utf8mb4_unicode_ci NOT NULL,
  `failed_at` timestamp NOT NULL DEFAULT CURRENT_TIMESTAMP,
  PRIMARY KEY (`id`),
  UNIQUE KEY `failed_jobs_uuid_unique` (`uuid`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;



# Dump of table migrations
# ------------------------------------------------------------


CREATE TABLE `migrations` (
  `id` int unsigned NOT NULL AUTO_INCREMENT,
  `migration` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL,
  `batch` int NOT NULL,
  PRIMARY KEY (`id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;


INSERT INTO `migrations` (`id`, `migration`, `batch`)
VALUES
	(1,'2014_10_11_000000_create_assets_table',1),
	(2,'2014_10_12_000000_create_users_table',1),
	(3,'2014_10_12_100000_create_password_reset_tokens_table',1),
	(4,'2019_08_19_000000_create_failed_jobs_table',1),
	(5,'2019_12_14_000001_create_personal_access_tokens_table',1),
	(6,'2023_03_04_051650_create_categories_table',2),
	(7,'2023_03_04_052102_create_permission_tables',2),
	(8,'2023_03_04_052243_create_courses_table',3),
	(9,'2023_03_04_052344_create_course_categories_table',3),
	(10,'2023_03_04_054657_create_sections_table',3),
	(11,'2023_03_04_055153_create_topics_table',3),
	(12,'2023_03_05_084345_update_table_assets',4),
	(13,'2023_03_05_085715_update_table_users_add_status',5),
	(14,'2023_03_08_075747_update_users_table_add_column_phone',6),
	(16,'2023_03_31_190717_create_discounts_table',7),
	(17,'2023_03_31_192240_create_plans_table',7),
	(18,'2023_04_08_173122_create_plan_courses_table',7),
	(19,'2023_04_09_195326_create_discount_courses_table',8),
	(20,'2023_04_09_195358_create_discount_users_table',8),
	(21,'2023_04_11_185212_create_transactions_table',9),
	(23,'2023_04_12_195450_create_questions_table',10),
	(24,'2023_04_12_195500_create_answers_table',10);



# Dump of table model_has_permissions
# ------------------------------------------------------------


CREATE TABLE `model_has_permissions` (
  `permission_id` bigint unsigned NOT NULL,
  `model_type` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL,
  `model_id` bigint unsigned NOT NULL,
  PRIMARY KEY (`permission_id`,`model_id`,`model_type`),
  KEY `model_has_permissions_model_id_model_type_index` (`model_id`,`model_type`),
  CONSTRAINT `model_has_permissions_permission_id_foreign` FOREIGN KEY (`permission_id`) REFERENCES `permissions` (`id`) ON DELETE CASCADE
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;



# Dump of table model_has_roles
# ------------------------------------------------------------


CREATE TABLE `model_has_roles` (
  `role_id` bigint unsigned NOT NULL,
  `model_type` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL,
  `model_id` bigint unsigned NOT NULL,
  PRIMARY KEY (`role_id`,`model_id`,`model_type`),
  KEY `model_has_roles_model_id_model_type_index` (`model_id`,`model_type`),
  CONSTRAINT `model_has_roles_role_id_foreign` FOREIGN KEY (`role_id`) REFERENCES `roles` (`id`) ON DELETE CASCADE
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;



# Dump of table password_reset_tokens
# ------------------------------------------------------------


CREATE TABLE `password_reset_tokens` (
  `email` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL,
  `token` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL,
  `created_at` timestamp NULL DEFAULT NULL,
  PRIMARY KEY (`email`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;



# Dump of table permissions
# ------------------------------------------------------------


CREATE TABLE `permissions` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `name` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL,
  `guard_name` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL,
  `created_at` timestamp NULL DEFAULT NULL,
  `updated_at` timestamp NULL DEFAULT NULL,
  PRIMARY KEY (`id`),
  UNIQUE KEY `permissions_name_guard_name_unique` (`name`,`guard_name`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;


INSERT INTO `permissions` (`id`, `name`, `guard_name`, `created_at`, `updated_at`)
VALUES
	(1,'create role','sanctum','2023-03-05 08:22:54','2023-03-05 08:22:54'),
	(2,'read role','sanctum','2023-03-05 08:22:54','2023-03-05 08:22:54'),
	(3,'update role','sanctum','2023-03-05 08:22:54','2023-03-05 08:22:54'),
	(4,'delete role','sanctum','2023-03-05 08:22:54','2023-03-05 08:22:54'),
	(5,'create user','sanctum','2023-03-05 08:22:54','2023-03-05 08:22:54'),
	(6,'update user','sanctum','2023-03-05 08:22:54','2023-03-05 08:22:54'),
	(7,'read user','sanctum','2023-03-05 08:22:54','2023-03-05 08:22:54'),
	(8,'delete user','sanctum','2023-03-05 08:22:54','2023-03-05 08:22:54'),
	(9,'create student','sanctum','2023-03-05 08:22:54','2023-03-05 08:22:54'),
	(10,'update student','sanctum','2023-03-05 08:22:54','2023-03-05 08:22:54'),
	(11,'read student','sanctum','2023-03-05 08:22:54','2023-03-05 08:22:54'),
	(12,'delete student','sanctum','2023-03-05 08:22:54','2023-03-05 08:22:54'),
	(13,'create partner','sanctum','2023-03-05 08:22:54','2023-03-05 08:22:54'),
	(14,'update partner','sanctum','2023-03-05 08:22:54','2023-03-05 08:22:54'),
	(15,'read partner','sanctum','2023-03-05 08:22:54','2023-03-05 08:22:54'),
	(16,'delete partner','sanctum','2023-03-05 08:22:54','2023-03-05 08:22:54');



# Dump of table personal_access_tokens
# ------------------------------------------------------------


CREATE TABLE `personal_access_tokens` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `tokenable_type` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL,
  `tokenable_id` bigint unsigned NOT NULL,
  `name` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL,
  `token` varchar(64) COLLATE utf8mb4_unicode_ci NOT NULL,
  `abilities` text COLLATE utf8mb4_unicode_ci,
  `last_used_at` timestamp NULL DEFAULT NULL,
  `expires_at` timestamp NULL DEFAULT NULL,
  `created_at` timestamp NULL DEFAULT NULL,
  `updated_at` timestamp NULL DEFAULT NULL,
  PRIMARY KEY (`id`),
  UNIQUE KEY `personal_access_tokens_token_unique` (`token`),
  KEY `personal_access_tokens_tokenable_type_tokenable_id_index` (`tokenable_type`,`tokenable_id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;



# Dump of table plan_courses
# ------------------------------------------------------------


CREATE TABLE `plan_courses` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `course_id` bigint unsigned DEFAULT NULL,
  `plan_id` bigint unsigned DEFAULT NULL,
  PRIMARY KEY (`id`),
  KEY `plan_courses_course_id_foreign` (`course_id`),
  KEY `plan_courses_plan_id_foreign` (`plan_id`),
  CONSTRAINT `plan_courses_course_id_foreign` FOREIGN KEY (`course_id`) REFERENCES `courses` (`id`) ON DELETE CASCADE,
  CONSTRAINT `plan_courses_plan_id_foreign` FOREIGN KEY (`plan_id`) REFERENCES `plans` (`id`) ON DELETE CASCADE
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;


INSERT INTO `plan_courses` (`id`, `course_id`, `plan_id`)
VALUES
	(3,1,5);



# Dump of table plans
# ------------------------------------------------------------


CREATE TABLE `plans` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `title` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `url_title` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `description` text COLLATE utf8mb4_unicode_ci,
  `price` decimal(12,2) DEFAULT '0.00',
  `users` int DEFAULT '0',
  `status` enum('ACTIVE','INACTIVE') COLLATE utf8mb4_unicode_ci DEFAULT 'ACTIVE',
  `created_at` timestamp NULL DEFAULT NULL,
  `updated_at` timestamp NULL DEFAULT NULL,
  `deleted_at` timestamp NULL DEFAULT NULL,
  PRIMARY KEY (`id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;


INSERT INTO `plans` (`id`, `title`, `url_title`, `description`, `price`, `users`, `status`, `created_at`, `updated_at`, `deleted_at`)
VALUES
	(5,'Texas L&H 10 Course Package','texas-lh-10-course-package-5','asfasfasfd',1000.00,10,'ACTIVE','2023-04-09 18:51:20','2023-04-14 17:59:05',NULL);



# Dump of table questions
# ------------------------------------------------------------


CREATE TABLE `questions` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `questionable_id` bigint unsigned DEFAULT NULL,
  `questionable_type` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `question` longtext COLLATE utf8mb4_unicode_ci,
  `explanation` longtext COLLATE utf8mb4_unicode_ci,
  `level` enum('EASY','MEDIUM','HARD') COLLATE utf8mb4_unicode_ci DEFAULT 'MEDIUM',
  `type` enum('MCQ','BOOL','BLANK') COLLATE utf8mb4_unicode_ci DEFAULT 'MCQ',
  `created_at` timestamp NULL DEFAULT NULL,
  `updated_at` timestamp NULL DEFAULT NULL,
  PRIMARY KEY (`id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;


INSERT INTO `questions` (`id`, `questionable_id`, `questionable_type`, `question`, `explanation`, `level`, `type`, `created_at`, `updated_at`)
VALUES
	(59,13,'App\\Models\\Topic','Four policies apply to a $40,000 loss. Policy 1\'s limit of insurance is $10,000, Policy 2\'s limit is $20,000, Policy 3\'s limit is $30,000, and Policy 4\'s limit is $40,000. Use the pro rata method to determine how much Policy 1 would pay for the loss.','The pro rata method of loss settlement requires each insurer to pay their proportionate share of any loss. The total amount of insurance is $100,000. Policy 1 has a limit of $10,000, which is 10% of the total, so Policy 1 pays 10% of the $40,000 loss which is $4,000.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(60,13,'App\\Models\\Topic','In which part of an insurance policy is the provision to pay a claim found?','Loss settlement provisions are found in the Conditions section of the policy.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(61,13,'App\\Models\\Topic','Mike\'s pristine 2016 Ford Mustang was badly damaged by hail and his insurer appraised the repair costs to be considerably less that the current value of his car. Mike was concerned that the damage could not be repaired well enough to satisfy him and he did not want to drive a less than pristine car, so he demanded that the insurer total the car so he could buy a new one. Which condition in the policy addresses this situation?','An insured may not abandon property from a covered loss to the insurance company; a partial loss will not be paid as a total loss.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(62,13,'App\\Models\\Topic','How many days after the insurer\'s request must the insured provide a proof of loss in Texas?','A Proof of Loss is a sworn statement in writing that must usually be furnished by the insured to an insurer before any loss under a policy can be paid (insured has 91 days from date of request in Texas).','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(63,13,'App\\Models\\Topic','In which part of the policy is found the insurer\'s promise to pay?','The insurer\'s promise to pay is found in the insuring agreement.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(64,13,'App\\Models\\Topic','In most commercial policies, the premium is:','In most commercial policies, the premium is estimated.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(65,13,'App\\Models\\Topic','When the insured and insurer disagree on the value of damaged insured property, the condition to settle the disagreement is called:','If there is a disagreement between the insured and the insurer on the value of any property loss, either party can make a written demand for an appraisal.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(66,13,'App\\Models\\Topic','When more than one policy will pay for a loss, which condition applies?','The Other Insurance Clause is a provision in an insurance policy that defines how the policy will respond if there is other valid insurance written on the same risk. Pro rata, contribution by equal shares, and primary &amp; excess are provisions found in property insurance policies that provide for the sharing of loss.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(67,13,'App\\Models\\Topic','When a policy is terminated midterm by the insurance company, the insured gets:','CANCELLATION is the termination of an in-force insurance policy, either by the insured or the insurer, prior to the expiration date shown in the policy. Termination may be voluntary, involuntary, or in mutual accordance with provisions contained in the policy and the insurer returns the unearned premium (refund) and keeps the earned premium.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(68,13,'App\\Models\\Topic','An insured\'s car is damaged in a fire that started when a neighbor set off fireworks to celebrate the 4th of July. The insured\'s insurance company pays her for the damage and then files suit against the neighbor to recover the amount it paid for the loss. This is an example of the application of what policy condition?','Subrogation is the insurer\'s legal right to seek damages from at-fault third parties after it has reimbursed the insured for the loss. Subrogation is based on the principle of indemnity by preventing the insured from collecting on the loss twice: once from the insurer and a second time from the party that caused the damage.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(69,13,'App\\Models\\Topic','In what section of the policy are found additional and supplemental coverages?','Additional (or supplementary) coverages are provisions in the insuring agreement of an insurance policy that provide additional amounts of coverage for specific loss expenses at no additional premium.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(70,13,'App\\Models\\Topic','How long after the expiration of a commercial does the insurer have to perform an audit?','The deposit premium is an estimated premium paid in advance at the time the policy is issued that may be adjusted based on actual exposures. The actual premium can be determined by an audit of the insured’s records at the end of the insuring period. Usually, the insurer has up to 3-years from the expiration of the policy to perform the audit.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(71,13,'App\\Models\\Topic','If the insured cancels a policy, the insurer cancels on which basis?','If the insurer cancels the policy, it is called a pro rata cancellation and no penalty is applied. If the insured cancels the policy, it is called a short rate cancellation and a small penalty is applied.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(72,13,'App\\Models\\Topic','Which of the following would be considered an additional insured?','ADDITIONAL INSUREDS are individuals or entities that are not named as insureds on the declaration page, but are protected by the policy, usually in regard to a specific interest. Additional Insureds usually are added to the policy by an endorsement.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(73,13,'App\\Models\\Topic','Which of the following is NOT an element of a legal contract?','There are four elements of a legal contract: (1) agreement - offer &amp; acceptance; (2) consideration; (3) competent parties; &amp; (4) legal purpose. With the making of a counter offer, there is no agreement.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(74,13,'App\\Models\\Topic','All of the following are representations or misrepresentations on an application EXCEPT:','Misrepresentations are untrue statements on the application but they do not affect the issuance of the policy; they a simple in nature. Material misrepresentations are untrue statements on the application that affect the premium or acceptability of a risk. Business use of a truck is material to policy issuance.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(75,13,'App\\Models\\Topic','If the applicant makes a material misrepresentation, the insurance company:','There is no requirement that the insurer cancel a policy based on a material misrepresentation. The insurer MAY void, not MUST void.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(76,13,'App\\Models\\Topic','Concealment is always found:','Concealment is the legal term for the intentional withholding of information of a material fact that is crucial in making a decision. Persons committing fraud conceal information.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(77,13,'App\\Models\\Topic','Which of the following is an example of a warranty?','A warranty is a true statement (a guarantee) upon which the validity of the insurance policy depends. Examples are requiring alarms or fire proof receptacles.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(78,13,'App\\Models\\Topic','All of the following provide insurance EXCEPT:','A certificate of insurance (COI) is written evidence showing that an insurance policy or policies have been issued. The certificate indicates both the amounts and types of insurance provided, but does not obligate the insurer to the person to whom the certificate was issued.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(79,13,'App\\Models\\Topic','Which of the following is true of endorsements?','Endorsements change the policy in some way and are issued by the insurance company in writing and signed by an officer.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(80,13,'App\\Models\\Topic','Which of the following is not insurable?','Every contract must have a legal purpose. This means the contract must be for a lawful reason and not against public policy. A contract to sell or purchase illegal products or substances (contraband) is not for a legal purpose and, therefore, cannot be enforced.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(81,13,'App\\Models\\Topic','Which is NOT true of binders?','Binders may be canceled with a 10 day written notice.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(82,13,'App\\Models\\Topic','Which of the following is a true statement?','The Federal Trade Commission (FTC) regulates insurance as an activity of interstate commerce but only to the extent that such business is NOT regulated by state law.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(83,13,'App\\Models\\Topic','The ABC Corporation has $100,000 of coverage on its building through insurance Company A, and $50,000 of identical coverage on the same building through insurance Company B. Assuming coinsurance is not an issue, when a $24,000 loss occurs and the pro rata method is used, how much will each insurer pay?','Each policy pays its pro rata share of the loss based upon each policy\'s share of the total amount of coverage.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(84,13,'App\\Models\\Topic','Before an insurer will pay any loss under a policy, what is usually required from the insured?','A sworn statement, called proof of loss, must usually be furnished by the insured to an insurer before any loss under a policy can be paid.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(85,13,'App\\Models\\Topic','In terms of parties to a contract, which of the following does NOT describe a competent party?','The parties to a contract must be capable of entering into a contract in the eyes of the law. Generally, this requires that both parties be of legal age, mentally competent to understand the contract, and not under the influence of drugs or alcohol.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(86,13,'App\\Models\\Topic','The section of an insurance policy that details what perils are not insured against and what persons are not insured is known as the','The exclusions section of an insurance policy details what perils are not insured against and what persons are not insured.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(87,13,'App\\Models\\Topic','Which of the following would modify the original insurance contract by either adding or removing coverage?','Endorsements change the policy\'s original terms, conditions, or coverages. Endorsements can add or delete coverage, or merely correct items such as the insured\'s name, address, etc.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(88,13,'App\\Models\\Topic','Which part of the insuring agreement covers claims-related and defense expenses?','The supplemental payments portion of a policy provides an additional amount of coverage for specific loss expenses at no additional premium.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(89,13,'App\\Models\\Topic','Under the professional liability loss settlement provision, what must an insurer do before offering to pay a claimant to settle a claim?','If a claim has been filed under a professional liability policy, an insurer MUST get the consent of the insured before offering to pay to settle a claim. If the insured\'s professional reputation is at risk, and the insured feels he or she is not negligent, the insured can require the insurer to defend the action in court.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(90,13,'App\\Models\\Topic','Duties of the insurer found in property policy conditions include all of the following EXCEPT','The insurance department monitors the financial conditions of insurers. The insurers report to the state, not to policyholders.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(91,13,'App\\Models\\Topic','Termination of an in-force insurance policy prior to the expiration date shown in the policy is known as','Cancellation is the termination of an in-force insurance policy by either the insured or the insurer prior to the expiration date shown in the policy. Termination may be voluntary, involuntary, or in mutual accordance with provisions contained in the policy.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(92,13,'App\\Models\\Topic','All of the following are conditions commonly found in the insurance policy EXCEPT','The insuring agreement provides information on the policy\'s coverages. Conditions state the legal obligations and duties of the parties to the contract.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(93,13,'App\\Models\\Topic','All of the following are considered parts of the policy structure EXCEPT','Provisions is a broad term used to refer to the sections or clauses of an insurance policy that communicate the policy\'s benefits, conditions, etc. The essential parts of the policy are declarations, insuring clause, conditions and exclusions.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(94,13,'App\\Models\\Topic','The Federal Fair Credit Reporting Act','The Federal Fair Credit Reporting Act regulates consumer reports, also known as consumer investigative reports, or credit reports.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(95,13,'App\\Models\\Topic','An applicant knowingly fails to communicate information that would help an underwriter make a sound decision regarding coverage. This is an example of','In insurance, concealment is the withholding of information that will result in an imprecise underwriting decision.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(96,13,'App\\Models\\Topic','Terrorism Risk Insurance Program Reauthorization Act of 2015 has extended the TRIA to the year','Extension of Terrorism Insurance Program has extended the Terrorism Insurance Program through December 31, 2020 and revised its requirements.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(97,13,'App\\Models\\Topic','Which of the following would be named on the declarations page of a property or liability policy?','First named insured is the individual whose name appears first on the policy\'s declaration.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(98,13,'App\\Models\\Topic','When an insurance policy does not offer a continuation or replacement at its expiration date, it is considered a','When an insurance policy does not offer a continuation or replacement at its expiration date, it is considered a nonrenewal.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(99,13,'App\\Models\\Topic','An insurer neglects to pay a legitimate claim that is covered under the terms of the policy. Which of the following insurance principles has the insurer violated?','The binding force in any contract is consideration. Consideration on the part of the insured is the payment of premiums and the health representations made in the application. Consideration on the part of the insurer is the promise to pay in the event of loss.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(100,13,'App\\Models\\Topic','Bob insists that the insurer owes him $10,000 for liability damages, while his insurer asserts that they owe him no more than $7,000. Which of the following would most likely describe the type of claim settlement that they might pursue?','When an insured and insurer cannot agree on how to settle a claim, arbitration is often used. The settlement is submitted to an arbitrator(s) whose decision may or may not be binding on both parties dependent on state law.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(101,13,'App\\Models\\Topic','In insurance, an offer is usually made when','In insurance, the offer is usually made by the applicant in the form of the application. Acceptance takes place when an insurer\'s underwriter approves the application and issues a policy.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(102,13,'App\\Models\\Topic','The part of the insurance contract that describes the covered perils and the nature of coverage of the contractual agreement between the insurer and the insured is called the','The insuring agreement is the part of the policy structure that describes the insured perils and the method of indemnification.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(103,13,'App\\Models\\Topic','Which of the following is a mandatory part of an insurance policy that varies with each individual policy?','Because the declarations tell who, what, when and where, this information is different in each contract.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(104,13,'App\\Models\\Topic','Persons covered under an insurance policy, whether named or not, are known as the','The insureds are persons covered under a policy, whether named or not.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(105,13,'App\\Models\\Topic','When a disagreement occurs as to how to settle a loss in a \"fender bender\" between two cars, what procedure is followed?','Arbitration is a low-cost alternative to a full-blown lawsuit.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(106,13,'App\\Models\\Topic','The pro rata liability clause is designed to protect the principle of','If more than one policy is in force on the same property at the same time covering the same perils, this is concurrent coverage. The intent of insurance is that after a loss, the insured is restored to the condition he or she was in before the loss (indemnified). Each policy pays a percentage of a loss directly related to the amount of insurance it provides compared to the total amount of coverage.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(107,13,'App\\Models\\Topic','Who is responsible for filling out a notice of claim form?','Notice of claim is a form or statement from an insured to an insurer, informing the insurer that events leading to a possible claim have occurred.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(108,13,'App\\Models\\Topic','In return for premium, an insurance company must','In return for premium, an insurance company must be fair and impartial in underwriting of risks and must pay claims made for all covered losses.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(109,13,'App\\Models\\Topic','An insured has four separate but identical policies written by different insurers to cover her $100,000 building. Each policy is written for $100,000, and each has the pro rata liability other insurance clause. In the event of a total loss to the building, what would each insurer pay?','Each policy will pay its pro rata share of the loss, but not more than the amount of loss in total.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(110,13,'App\\Models\\Topic','The part of a policy that clarifies terms in the policy is the','The component of a policy that clarifies terms is the definitions.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(111,13,'App\\Models\\Topic','The other insurance provision that limits the liability of the insurer to a portion of the loss no greater than the amount the insurer bears to all the insurance covering the property is called','To preserve the principle of indemnity, each policy pays a pro rata share based upon the share of the coverage. The insured cannot collect the full amount of loss from each policy.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(112,13,'App\\Models\\Topic','An agent tries to sell insurance over the phone to an applicant who appears to be confused, but is eventually able to give enough information for the application to be completed. After the policy was issued, the agent talked to the insured\'s family, and they explained that the insured was recovering from a surgery and might have been under the influence of medication at the time of application. Which of the following is true?','When an insurer and insured enter into a contract, both parties must be of legal age and mentally competent. Because the applicant was confused, it is possible she was suffering from pain or could have been affected by medication, or was having other issues; therefore, if it can be proven that the applicant was incapable of making a buying decision during the application and acceptance process, the policy could be voided.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(113,14,'App\\Models\\Topic','What is a \"hazard\"?','Hazards are conditions or situations that increase the probability of a loss occurring.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(114,14,'App\\Models\\Topic','Which is NOT an example of insurable interest?','The insured must have an insurable interest in the person or property covered by an insurance policy. In property insurance, this means the insured would incur a financial loss if the insured property was damaged. Insurable interest must exist at the time of the loss, not at the time of application or policy issuance.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(115,14,'App\\Models\\Topic','What is a \"cause of loss\"?','A \"peril\" is a cause of loss; i.e., fire.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(116,14,'App\\Models\\Topic','A court awarded actual medical costs and an amount to punish the company. Which terms describes these awards?','COMPENSATORY damages are monetary awards intended to compensate the claimant for the loss. There are two types: SPECIAL damages are specific (measurable) out-of-pocket expenses for property damage, medical, miscellaneous expenses, and loss of wages. GENERAL damages compensate the injured person for pain and suffering, mental anguish, disfigurement, and other similar types of losses. Determination of the amount of general damages is highly subjective and can amount to whatever a judge or jury feels is \"right\" or whatever the parties agree to. PUNITIVE damages are a form of punishment for extreme outrageous behavior, gross negligence, or willful intent.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(117,14,'App\\Models\\Topic','A sudden and unexpected event that causes a loss is best described as:','An \"accident\" is a sudden and unexpected event that causes a loss.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(118,14,'App\\Models\\Topic','Which of the following is NOT a direct loss?','Direct losses are physical damage to property or physical injury to a person by a covered peril (fire, collision, windstorm, etc.). Indirect losses arise as a consequence of the direct loss.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(119,14,'App\\Models\\Topic','A dwelling is considered vacant after how many days without a person or personal property in it?','A dwelling is considered vacant after 60 days without a person or personal property in it.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(120,14,'App\\Models\\Topic','Which of the following is considered \"Bodily Injury\"?','Bodily Injury (BI) is defined as bodily injury, sickness, or disease sustained by a person to include resulting death from any of these at any time.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(121,14,'App\\Models\\Topic','Which of the following is NOT an element of negligence?','There are 4 Elements of Negligence (all 4 elements must be present or there is no negligence): 1. A legal duty is owed (to act or not act); 2. There is a breach of that duty; 3. There is an actual loss; and 4. The breach is the Proximate Cause.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(122,14,'App\\Models\\Topic','Which of the following is TRUE of liability policies?','Liability policies pay on behalf of and have a duty to defend for the insured\'s negligence, even if the claim is false or fraudulent. It is not required that a court prove negligence.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(123,14,'App\\Models\\Topic','The first party to an insurance contract is called:','The first party to an insurance contract is the insured.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(124,14,'App\\Models\\Topic','Which type of risk are insurers willing to accept?','Insurers are willing to accept pure risks which can only result in loss or no change.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(125,14,'App\\Models\\Topic','Gambling is considered what type of risk?','Speculative risk involves the opportunity for either loss or gain, as with gambling.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(126,14,'App\\Models\\Topic','Which company has the best chance of making a profit?','Based on the Law of Large Numbers, that the larger the number of people with a similar exposure to loss, the more predictable actual losses will be, so the company with the most customers has the best chance of making a profit.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(127,14,'App\\Models\\Topic','Persons that calculate rates based on the statistical prediction of loss are called:','Actuaries help predict losses for an insurer','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(128,14,'App\\Models\\Topic','Which statement is NOT true of Open Perils coverage?','Open Perils coverage applies to any cause of loss except for those perils excluded in the policy (i.e., flood and earthquake are excluded). Open perils coverage is sometimes called All Risk and some policies use this terminology.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(129,14,'App\\Models\\Topic','Which of the following is NOT one of the three types of hazards.','The three types of hazards are physical, moral, and morale.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(130,14,'App\\Models\\Topic','Which of the following statements is NOT correct regarding \"proximate cause\"?','The proximate cause is the first, or immediate, cause in an unbroken chain of events. The negligent party is responsible for all subsequent damage.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(131,14,'App\\Models\\Topic','The legal concept that prevents a person from making a profit from an insurance claim is known as:','The Principal of Indemnity (also referred to as reimbursement, indemnification, indemnify, restore, or to make whole) is a provision in an insurance policy that states, in the event of loss, an insured or a beneficiary is permitted to collect only to the extent of the financial loss and is not allowed to gain financially because of the existence of an insurance contract.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(132,14,'App\\Models\\Topic','An event that causes loss by continuous or repeated exposure to conditions is known as:','An event that causes loss by continuous or repeated exposure to conditions resulting in injury to persons or damage to property that is neither intended nor expected is known as an \"occurrence.\"','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(133,14,'App\\Models\\Topic','The insured\'s dog bit his neighbor. This is an example of which type of liability?','Direct liability is that liability which is imposed to an insured by law for the insured\'s negligence (acts, failures to act, or done at the insured\'s directions). A person is directly liability for the acts of owned animals.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(134,14,'App\\Models\\Topic','Which type of liability is imposed by law regardless of negligence?','Absolute liability is imposed by law and negligence does not apply (liability without fault); you are held liable regardless of any precautions you have taken.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(135,14,'App\\Models\\Topic','A manufacturer is liable for defective products. Which type of liability applies?','Strict liability exists for an insured\'s products. A person or business that manufactures or sells a product makes an implied warranty that the product is safe. The business is then liable for defective products, regardless of fault or negligence.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(136,14,'App\\Models\\Topic','John\'s 10 year old son set his neighbors shed on fire. Which type of liability applies?','Vicarious liability applies when the insured is responsible for the actions of the wrongdoer.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(137,14,'App\\Models\\Topic','Mary leased an office and agreed in the lease to waive her insurer\'s right to subrogation against her landlord. This is what type of liability?','Contractual liability applies when Individuals or entities enter into contracts with other parties where they transfer or assume rights or duties and incur liability that may not have normally applied. These are often waivers of subrogation, hold harmless agreements, and other provisions.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(138,14,'App\\Models\\Topic','Which of the following types of damage would NOT be a tort?','TORTS are civil suits brought against wrongdoers (called tortfeasors) for non-criminal (unintentional) acts. Crimes and most intentional acts are not covered by insurance. A tort may result in two forms of injury to another: bodily injury (BI) and/or property damage (PD).','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(139,14,'App\\Models\\Topic','Which best defines the term \"general damages\"?','GENERAL damages compensate the injured person for pain and suffering, mental anguish, disfigurement, and other similar types of losses. Determination of the amount of general damages is highly subjective and can amount to whatever a judge or jury feels is \"right\" or whatever the parties agree to.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(140,14,'App\\Models\\Topic','Ross Avenue Apartments insured all 10 buildings in its complex for $25,000,000. Which term applies to this coverage?','BLANKET insurance is a single property insurance policy that provides coverage for multiple classes of property at one location, or for one or more classes of property at multiple locations. All insured properties are written for one total limit (amount) of insurance and no single insured item is assigned a specific limit. SPECIFIC insurance is a property insurance policy that covers a specific kind or unit of property for a specific limit of insurance.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(141,14,'App\\Models\\Topic','The insured left on vacation for two weeks. Which of the following applies while the insured is gone?','Vacancy refers to an insured structure in which no people have been living or working and no personal property has been stored for the period of time required as stated in the policy. After 60 days of vacancy, some perils, such as vandalism, are suspended. Unoccupancy refers to an insured structure in which no people have been living or working within the required period of time but some property is stored. No perils are suspended.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(142,14,'App\\Models\\Topic','Which of the following is NOT a theft?','Mysterious disappearance is the disappearance of property without knowledge as to the location, time, or how the property was lost. Losses by mysterious disappearance are excluded from most insurance policies; by definition, it is NOT theft.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(143,14,'App\\Models\\Topic','Which of the following is most likely to occur if it is determined by the audit that the deposit premium was too high?','If the audit shows that the initial (deposit) premium to the insured was too high (the exposures were over-estimated), the insured will receive a return premium.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(144,14,'App\\Models\\Topic','All of the following statements describe the concept of strict liability EXCEPT','Strict liability is commonly applied in product liability cases. The business is then liable for defective products, regardless of fault or negligence.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(145,14,'App\\Models\\Topic','An insured is driving her car through a residential area when she loses control and crashes into a neighbor\'s front porch. The neighbor, who was sitting on the porch, is injured. The insured\'s liability policy has a limit of $500,000. This amount applies to the total of damages for any bodily injury and property damage resulting from one accident. Which type of limit of liability does the insured have?','Combined single is a single dollar limit of liability applying to the total of damages for bodily injury and property damage combined resulting from one accident or occurrence.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(146,14,'App\\Models\\Topic','What type of liability would a person who owns a swimming pool have if a child drowned in it?','Absolute liability is imposed by law for anything considered an \"attractive nuisance\" for a child.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(147,14,'App\\Models\\Topic','An insured owns a building that is valued at $400,000. To comply with the 80% coinsurance provision of his insurance policy, how much should he insure the property for?','The coinsurance clause states that in consideration of a reduced rate, the insured agrees to maintain a certain minimum amount of insurance on the insured property. In the event of a covered loss, insurance is designed to pay replacement cost minus depreciation.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(148,14,'App\\Models\\Topic','All of the following are factors in the determination of actual cash value EXCEPT','Actual cash value (ACV) is a valuation method in which the value of property is determined using the replacement cost for property of like kind and quality, minus depreciation. The original cost is not a factor.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(149,14,'App\\Models\\Topic','Which method of acceptable loss valuation is contrary to the basic concept of indemnity?','The replacement cost method of loss valuation is contrary to the basic concept of indemnity because following a loss it may provide the insured with a settlement in excess of the property\'s actual cash value.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(150,14,'App\\Models\\Topic','Which of the following best expresses the purpose of a stated value contract?','The stated value becomes the basis to determine a premium for the coverage.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(151,14,'App\\Models\\Topic','For insurance purposes, when an insured loses property to another because the person used violence or threat of violence to gain the property, this is defined as','Robbery coverage requires that the insured property was taken by the use of violence or threat of violence.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(152,14,'App\\Models\\Topic','Robbery is','When one\'s property is taken by another by use of force, violence, or fear, it is robbery.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(153,14,'App\\Models\\Topic','An insured is applying for a casualty insurance policy. One of the conditions of the policy allows the insurance company to inspect the insured\'s books at the end of the policy term to make sure sufficient premium has been collected for the exposure she plans to insure. Which condition is this of the insured\'s policy?','Deposit premium and audit is a condition that allows an insurer to inspect the insured\'s books at the end of the policy term to make sure sufficient payment has been collected for the exposure.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(154,14,'App\\Models\\Topic','Events or conditions that increase the chances of an insured loss occurring are referred to as','Hazards are conditions or situations that increase the probability of an insured loss occurring.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(155,14,'App\\Models\\Topic','Most insurance policies exclude losses by','Losses by mysterious disappearance are excluded by most insurance policies.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(156,14,'App\\Models\\Topic','The process of determining the amount of indemnification for a particular loss is called','Loss valuation is the process of determining appropriate monetary value to a particular loss and its resulting repair or replacement.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(157,14,'App\\Models\\Topic','Which of the following is used in the formula for calculating the actual cash value of a property?','The actual cash value (ACV) method of valuation reinforces the principle of indemnity because it recognizes the reduction of value of property as it ages. To calculate ACV, depreciation is subtracted from the current replacement cost.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(158,14,'App\\Models\\Topic','Losses caused by continuous or repeated exposure to conditions resulting in injury to persons or damage to property that is neither intended nor expected is the definition of which of the following terms?','An occurrence includes those losses caused by continuous or repeated exposure to conditions resulting in injury to persons or damage to property that is neither intended nor expected.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(159,14,'App\\Models\\Topic','The risks of loss may be classified as','Pure risks involve the probability or possibility of loss with no chance for gain. Pure risks are generally insurable. Speculative risks involve uncertainty as to whether the final outcome will be gain or loss. Speculative risks are generally uninsurable.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(160,14,'App\\Models\\Topic','Three years ago, an insured moved to an unfurnished apartment. She bought new furniture that cost $9,000. Last week, there was a fire in the apartment that destroyed the furniture. Replacement cost is $10,500. The adjuster told the insured her furniture depreciated $2,500. If insurance is written on an actual cash value basis, how much will it pay for the loss?','When insurance coverage is written on an actual cash value basis, losses paid are for the replacement cost (at the time of loss), minus depreciation.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(161,14,'App\\Models\\Topic','An insured\'s building has a replacement cost of $200,000 and he has insured the property for $120,000 with an 80% coinsurance clause. A $40,000 loss occurs. How much will the policy pay?','This insured only carried 75% of the amount of insurance he had agreed to carry ($120,000 of the agreed $160,000), so the insurer will pay only 75% of the loss, or $30,000. If the insured had carried the required amount of insurance, partial losses would be paid in full. In the event of a total loss, the face of the policy would be paid. If the full amount is not carried, divide the actual amount carried by the amount that should be carried (the coinsurance amount), and multiply it by the loss.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(162,14,'App\\Models\\Topic','An insured\'s 9-year-old son threw a ball, accidentally breaking a neighbor\'s plate glass window. The insured was found legally liable for the cost of replacing the window. This is an example of','Under vicarious liability, an insured may be held responsible for the acts of other family members or independent contractors engaged by the insured to perform work.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(163,14,'App\\Models\\Topic','Which of the following policies does NOT contain an automatic reinstatement provision?','An aggregate limit is reduced by the payment of claims. It is possible for an insured to run out of coverage before the expiration of the policy. Aggregate limits are restored on the anniversary date of the policy.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(164,14,'App\\Models\\Topic','What type of compensatory damages will pay for pain and suffering and disfigurement?','General compensatory damages are for intangible elements that cannot be specifically measured in terms of dollars.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(165,14,'App\\Models\\Topic','Which of these is defined as the maximum limit of coverage available under a liability policy during a policy year, regardless of the number of claims that may be made or the number of accidents that may occur?','Aggregate limit is the maximum limit of coverage available under a liability policy during a policy year, regardless of the number of claims that may be made or the number of accidents that may occur.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(166,14,'App\\Models\\Topic','Which of the following coverages in homeowners policies is for indirect losses?','Loss of use coverage applies only after a direct loss caused by a covered peril has occurred.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(167,14,'App\\Models\\Topic','One policy provision found in property insurance policies that prevents the insured from collecting twice for the same loss is called','When insureds accept loss payment from the insurance company, they must transfer their rights to recovery to the insurer. This prevents the insured from collecting twice for the same loss and allows the insurer to indemnify the insurance company.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(168,14,'App\\Models\\Topic','An insurance policy specifies that it will pay $600 for a specific loss. The policyowner suffers a loss of $535. How much will the policy pay?','Applying the principle of indemnity, the insurer will pay the actual cost of the loss, up to the limit stated in the policy. In this case, the insurer will pay $535.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(169,14,'App\\Models\\Topic','The insured has violated the contract without the knowledge of the mortgage holder. After a loss','Mortgagees have insurable interest in the property for which they loaned the money for purchase. Therefore, they will still be paid their interest in the loss even though the insured does not get paid because they violated the contract.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(170,14,'App\\Models\\Topic','Which of the following coverages in homeowners policies is for indirect losses?','Loss of use coverage applies only after a direct loss caused by a covered peril has occurred.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(171,14,'App\\Models\\Topic','Negligence is defined as','The definition used for negligence is based on the English law that requires that a person use ordinary care to prevent injury to another person or damage to their property.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(172,14,'App\\Models\\Topic','What are the two types of compensatory damages?','Compensatory damages are intended to compensate someone for both tangible and intangible elements of a loss. Special damages are for the actual measurable losses, such as value of property or medical bills. General damages cannot be specifically measured in dollars, such as pain and suffering.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(173,14,'App\\Models\\Topic','Liability imposed on one party as a result of the actions of another person is known as','Vicarious liability is liability imposed on one party as a result of the actions of another person; i.e., parent/child or employer/employee.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(174,14,'App\\Models\\Topic','In property and casualty insurance, what is the term for the amount of a loss that the insured must cover out of pocket, and the insurer will only pay for the additional amount of the loss above this limit?','In property insurance, the amount of loss retained by the insured is called the deductible; in liability insurance, it is called retention. Most property coverages include a deductible; most liability policies do not include retention.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(175,14,'App\\Models\\Topic','A beauty parlor burns to the ground. What type of loss is this to the owner?','Damage caused by a peril that is insured against is classified as direct loss.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(176,14,'App\\Models\\Topic','Replacement cost is defined as','Replacement cost policies do not consider depreciation if the proper amount of insurance is maintained. Policies that provide replacement cost coverage require that the amount of insurance written be 80% or more of the replacement cost of the property at the time of loss.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(177,14,'App\\Models\\Topic','In property insurance, actual cash value is defined as which of the following?','A loss valuation method used in many property forms is determined by today\'s replacement cost minus depreciation for age and obsolescence.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(178,14,'App\\Models\\Topic','All of the following are true regarding deposit premium EXCEPT','Deposit premium is an estimated premium paid in advance at the time the policy is issued that may be adjusted by the audit based on actual exposures.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(179,14,'App\\Models\\Topic','The insured\'s house is located one mile from the county\'s new landfill and across the road from the entrance of a rock quarry. It would cost $150,000 to rebuild the house if something happened to it, but when the insured tried to sell it, the best offer he received was $80,000. The insurance company will insure the house for only $80,000. What method of valuation is used to insure this property?','When insured for market value, it is insured for what a willing buyer would pay prior to a loss. This is different from actual cash value or replacement cost.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(180,14,'App\\Models\\Topic','For the purpose of insurance, risk is defined as','Risk, or the chance of loss occurring, is the basic reason for buying insurance.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(181,14,'App\\Models\\Topic','Which of the following definitions best defines the term \"accident\"?','Accident is best defined as a sudden, unplanned or unexpected event, not under the control of the insured, resulting in injury or damage neither expected nor intended.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(182,14,'App\\Models\\Topic','The causes of loss insured against in an insurance policy are known as','Perils are the causes of loss insured against in an insurance policy.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(183,14,'App\\Models\\Topic','A situation in which a person can only lose or have no change represents','Pure risk refers to situations that can only result in a loss or no change. Pure risk is the only type insurance companies are willing to accept.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(184,14,'App\\Models\\Topic','When a direct chain of events resulting from a negligent act causes injury or damage, that act is considered to be','The proximate cause of a chain of events resulting in injury is one that is sufficiently related to an injury that the courts determine it is in fact the cause of that injury.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(185,14,'App\\Models\\Topic','Which of the following does the term proximate cause refer to?','Proximate cause is the reasonably foreseeable act or event that results in an injury or damage. Negligence may often be the proximate cause of the damage; without it, the accident would not have happened. This is also called direct liability.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(186,15,'App\\Models\\Topic','Which commercial cause of loss form provides Open Perils coverage?','The Special form provides open perils coverage.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(187,15,'App\\Models\\Topic','Loss caused by sprinkler leakage is covered under which commercial property causes of loss forms?','Loss caused by sprinkler leakage is covered under all property causes of loss forms.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(188,15,'App\\Models\\Topic','Which commercial property causes of loss forms cover collapse?','Both the Broad and Special commercial property causes of loss forms cover collapse.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(189,15,'App\\Models\\Topic','Which of the following would NOT be covered under the Builders Risk coverage form?','Signs not attached to the building are not covered under the Builders Risk coverage form.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(190,15,'App\\Models\\Topic','Which of the following policy forms would best protect a business that must keep operating at any cost after a loss?','The Extra Expense policy form would best protect a business that must keep operating at any cost after a loss.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(191,15,'App\\Models\\Topic','Which of the following statements about farm insurance is NOT correct?','Farm insurance will not cover crops planted in the fields.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(192,15,'App\\Models\\Topic','All of the following could be an insured loss by farm insurance EXCEPT:','Farm insurance does not cover damage to crops in a field.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(193,15,'App\\Models\\Topic','Which of the following statements concerning the commercial package policy is NOT correct?','The following lines of insurance may NOT be part of the CPP: 1. Workers Compensation, 2. Professional Liability, 3. Banking, 4. Auto dealers, 5. Aviation, 6. Ocean Marine.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(194,15,'App\\Models\\Topic','Which of the following is NOT contained in the CPP common policy declarations?','Conditions are found in the Conditions Section of the policy.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(195,15,'App\\Models\\Topic','The majority of the premium for equipment breakdown insurance pays for:','The majority of the premium for equipment breakdown insurance pays for inspections conducted by the insurer.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(196,15,'App\\Models\\Topic','Which of the following businesses would be eligible for a businessowners policy?','Not all businesses can be insured under a businessowners policy. Eligible types of businesses primarily conduct business on their premises and usually do not have a large products or completed operations exposure.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(197,15,'App\\Models\\Topic','What is the amount of fire legal liability coverage on the businessowners policy?','The standard limit of liability for Damage to Property of Others (Fire Legal Liability) is $50,000, but it can be increased for an additional premium.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(198,15,'App\\Models\\Topic','Which of the following is TRUE about the businessowners policy?','The businessowners policy provides a prepackaged policy of property and liability coverage for certain types of small to medium size businesses.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(199,15,'App\\Models\\Topic','Which of the following can be covered as business personal property under the businessowners policy?','The stock (inventory, etc.) of an eligible business can be insured as business personal property on a businessowners policy.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(200,15,'App\\Models\\Topic','ABC Cleaners does not own an auto. The manager uses his car to make nightly deposits at the bank. The manager had an accident while making a deposit and the claimant also sued ABC Cleaners. Which coverage on the BOP does the insured need to add to provide a defense?','Non-owner auto liability covers the business for liability claims arising from accidents caused by an employee using his/her auto.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(201,15,'App\\Models\\Topic','Loss of Business Income coverage under the BOP covers what period of time?','Loss of Business Income coverage under the BOP covers for 12 months from the date of loss.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(202,15,'App\\Models\\Topic','How much is the general aggregate limit on the BOP?','The general aggregate limit on the BOP is twice the occurrence limit.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(203,15,'App\\Models\\Topic','The waiting period for extra expense coverage is:','There is no waiting period for extra expense coverage on the BOP.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(204,15,'App\\Models\\Topic','All of the following can be insured under the BOP EXCEPT:','Banks are ineligible for coverage on a BOP.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(205,15,'App\\Models\\Topic','Which statement is generally NOT correct regarding inland marine policies?','Buildings and personal property at fixed locations may not be covered.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(206,15,'App\\Models\\Topic','Inland marine insurance is commonly used to insure all of the following items EXCEPT:','Inland marine policies generally do not cover household furniture.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(207,15,'App\\Models\\Topic','Which of the following forms provides coverage to dry cleaners for the property of customers?','The Bailee\'s Liability policy covers the property of customers.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(208,15,'App\\Models\\Topic','Which floater would insure the cargo being transported by an independent truck owner?','The Motor Truck Cargo - Truckers Form would insure the cargo being transported by an independent truck owner.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(209,15,'App\\Models\\Topic','The motor truck cargo policy:','The motor truck cargo insures a truck carrier for its legal liability for losses to cargo.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(210,15,'App\\Models\\Topic','The installation floater covers property in all of the following situations EXCEPT:','The installation floater covers property from the time of pick up at the place of purchase until acceptance by the property owner.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(211,15,'App\\Models\\Topic','The physician\'s and surgeon\'s equipment floaters provide coverage:','The physician\'s and surgeon\'s equipment floaters provide coverage for a medical practice both on or off premises.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(212,15,'App\\Models\\Topic','Fire is a huge exposure to Valuable Papers and Records and insurers require that they be in a fireproof container when not in use. This condition is called:','This condition is called a receptacle warranty.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(213,15,'App\\Models\\Topic','Which of the following coverages may not be added to a Commercial Package Policy?','Banking, workers compensation, professional liability, auto dealers, aviation, and ocean marine coverages may not be added to a CPP.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(214,15,'App\\Models\\Topic','Which of the following is not included in a Commercial Package Policy coverage territory?','The coverage territory for the CPP includes, the United States, its territories and possessions, and Canada (not Mexico).','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(215,15,'App\\Models\\Topic','RKG Sandwich Corporation insures and names its three subsidiaries - Rick\'s Subs, Kurt\'s Subs, and Glen\'s Subs - in one Commercial Package Policy. Kurt\'s Subs manager gets a better rate for coverage and calls the agent to drop coverage on Kurt\'s Subs. Who may make changes to the policy?','RKG Sandwich Corporation is the first named insured. Only the first named insured has rights and duties under the policy and may make changes, effect cancelations, and receive notices of cancellation.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(216,15,'App\\Models\\Topic','The Conditions Section of the policy addresses Examination of Books and Records. Which of the following is true.','The insurance company may examine the insured\'s books at any time without notice up to three years after the expiration of the policy.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(217,15,'App\\Models\\Topic','Which of the following is not true regarding the Inspection &amp; Surveys condition?','The insurer is granted the right, but does not have an obligation, to make inspections, surveys, reports, and recommendations (loss prevention to reduce premiums) regarding insurability at any time. An insurer does not warrant that conditions are safe and comply with laws, regulations, standards, or codes.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(218,15,'App\\Models\\Topic','The insured entered into a contract to build a building and agreed to waive the right of the insurer providing the builders risk policy to sue the contractor if the contractor caused a fire to damage the building under construction. Which policy condition governs this agreement?','The rights and duties of the insured under the policy can be transferred to another only with the written consent of the insurer prior to a loss. Contractual liability for this agreement would be purchased by the insured and added to the builders risk policy by endorsement.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(219,15,'App\\Models\\Topic','Office furniture located within 250 feet of the premises is considered by the Building and Business Personal Property form as:','The Building and Business Personal Property form covers business personal property located within 100 feet of the property. The Farm policy has a 250 foot rule.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(220,15,'App\\Models\\Topic','Covered business personal property does not include:','Business personal property coverage includes personal property of others that is in the care, custody or control of the insured, except customers property, up to $2,500.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(221,15,'App\\Models\\Topic','Which of the following is covered building or business personal property?','The following costs and types of property are NOT covered in the Building and BPP Coverage Form except as provided in coverage extensions: Accounts, bills, currency, money or securities; Animals (unless owned by others and boarded, or owned by the insured as \"stock\" while inside a building); Illegal property or contraband; Foundations; Land; Radio and television antennas, satellite dishes, and signs (unless the sign is attached to the building, then the limit of coverage is $1,000 per sign in any one occurrence); Underground pipes or drains; Crops, fences, trees, shrubs &amp; plants (other than as “stockâ€ of trees, shrubs, &amp; plants).','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(222,15,'App\\Models\\Topic','The Building and BPP Coverage Form does not include which of the following additional extensions of coverage:','The policy does not cover accounts, bills, currency, money or securities.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(223,15,'App\\Models\\Topic','In the event of loss or damage, the insurance company has the option to do the following except:','In the event of loss or damage, the insurance company has the option to take all or any part of the property at an agreed or appraised value (not \"market value\").','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(224,15,'App\\Models\\Topic','If the building has been vacant for more than 60 consecutive days before the loss, the insurer will not pay for damage caused by any of the following except:','If the building has been vacant for more than 60 consecutive days before the loss, the insurer will not pay for damage caused by vandalism, sprinkler leakage, glass breakage, water damage, theft, or attempted theft.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(225,15,'App\\Models\\Topic','A homebuilder is building 30 homes in a housing addition. Which builders risk form would he use?','The builders risk coverage form is used to insure buildings while under construction. This coverage is most often written on a completed value form used for single projects, but may be written on a reporting form basis for multiple projects such as home builders.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(226,15,'App\\Models\\Topic','The builder\'s risk reporting form requires that the values under construction be reported monthly and premiums are charged monthly. What is the coinsurance requirement?','The reporting form requires that the full values under construction be reported monthly and premiums are charged monthly as the coinsurance requirement is 100%.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(227,15,'App\\Models\\Topic','Which of the following is property not covered under a builders risk policy?','Property not covered by the builders risk policy includes: land or water, outdoor lawns, trees, shrubs or plants, radio and television antennas, satellite dishes, and signs (unless attached to the building, then the limit of coverage is $1,000 per sign in any one occurrence).','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(228,15,'App\\Models\\Topic','The builders risk policy ceases for all of the following except:','The builders risk policy ceases 90 days after construction is completed.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(229,15,'App\\Models\\Topic','Business interruption losses are considered each of the following except:','Business interruption losses are indirect losses that are covered only if the policy covers the direct cause of loss (fire, wind, hail, etc.) to the insured property.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(230,15,'App\\Models\\Topic','Which of the following coverages has no waiting period for benefits to be paid?','The period of restoration for Extra Expense coverage has no waiting period so extra expenses can be paid immediately.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(231,15,'App\\Models\\Topic','Extended Business Income provides payment for how many days?','In the event a business income loss is paid, the policy provides 60 days of coverage for the insured to resume normal income levels.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(232,15,'App\\Models\\Topic','An insurance agent must stay in business after a flood loss. Which indirect coverage form would pay his loss?','The extra expense coverage form covers consequential losses and may be used by a business that will most likely not have a business income loss but must stay in business, such as an insurance agent. But the direct loss must be from a covered cause of loss. Flood is an excluded peril in property forms.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(233,15,'App\\Models\\Topic','Which of the following is a commercial property cause of loss form?','Commercial property coverage can be written with one of 3 causes of loss forms that tell which perils are being covered: Basic, Broad, or Special.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(234,15,'App\\Models\\Topic','Which of the following is not a commercial property basic form peril?','Collapse coverage is only provided by the broad and special forms.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(235,15,'App\\Models\\Topic','During a hail storm, rain damaged office furniture and carpeting near an open window. Which is a true statement?','The insurer will NOT pay for loss or damage to personal property in the open or to the interior of a building or structure unless the roof or an outside wall is first damaged by a falling object.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(236,15,'App\\Models\\Topic','Collapse does not include loss caused by:','Collapse coverage does NOT cover loss caused by shifting soil.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(237,15,'App\\Models\\Topic','All earthquake shocks or volcanic eruptions occurring within what length period are considered one earthquake by the commercial lines Earthquake endorsement, so only one deductible is applied?','The commercial lines Earthquake endorsement must be used with one of the other cause of loss forms (Basic, Broad, or Special). It adds 2 perils for coverage: Earthquake; and Volcanic Eruption. All earthquake shocks or volcanic eruptions occurring within any 168-hour period (7 days) are considered one earthquake, so only one deductible is applied.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(238,15,'App\\Models\\Topic','Earthquake coverage may also be purchased on a separate policy called:','Earthquake coverage may also be purchased on a separate policy called a Difference in Conditions (DIC) policy.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(239,15,'App\\Models\\Topic','In addition to the common policy declarations and common policy conditions, the farm coverage part must include a farm declarations page and a farm conditions form and one or more farm coverage forms. Which is not covered by a farm coverage form?','Licensed farm autos are covered by the Personal Auto Policy.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(240,15,'App\\Models\\Topic','A farmer hired his neighbor to harvest his hay. The neighbor charged the farmer $3,000 for the use of his combine. What does the farmer with the combine need to do to cover his liability exposure?','The farmowners policy liability coverage excludes custom farming operations (being hired by someone to do farming operations) if annual receipts are over $2,000/yr (may be covered by endorsement for an additional premium).','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(241,15,'App\\Models\\Topic','Which of the following losses to cargo would the Motor Truck cargo - Trucker\'s Form pay?','The carriers form is used by common carriers that transport the goods of others for a fee. It is a legal liability coverage that protects the carrier only against liability for damage to the goods, so it is also called Common Carrier Cargo Liability.','MEDIUM','MCQ','2023-04-14 18:34:36','2023-04-14 18:34:36'),
	(242,18,'App\\Models\\Topic','The insured\'s roof is damaged in a hail storm. The insurance company asks the insured to cover the holes so that rain will not get in and further damage the property. This is an example of what policy condition?','One of the insured\'s Duties After Loss is to protect the property from further damage.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(243,18,'App\\Models\\Topic','Which of the following statements about a mortgagee\'s rights under a property form is NOT correct?','An insured or additional insured may abandon insured property to the insurer.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(244,18,'App\\Models\\Topic','Bob is purchasing a homeowners policy to cover a home costing $200,000 to rebuild. The policy includes an 80% coinsurance clause. To avoid a coinsurance penalty in the event of a partial loss, Bob should purchase a policy with minimum limits of at least:','The coinsurance clause requires a minimum amount of insurance to avoid a coinsurance penalty. An 80% requirement for a $200,000 dwelling is $160,000.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(245,18,'App\\Models\\Topic','One of a set of a dozen antique crystal glasses was damaged in a covered loss. The set had been valued at $1,800, but are now only worth half that. How much was the insured\'s loss?','The Pair &amp; Set Clause states that the value of a loss will be determined by an appraisal before the loss minus an appraisal after the loss. $1,800 before - $900 after = $900.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(246,18,'App\\Models\\Topic','How much time does an insured have in Texas to bring suit against his insurance company after meeting all policy conditions?','In Texas, an insured has 2 years and 1 day after a loss to bring suit against his insurance company after meeting all policy conditions.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(247,18,'App\\Models\\Topic','Actual cash Value (ACV) is defined as:','The actual cash value (ACV) method of valuation reinforces the principle of indemnity because it recognizes the reduction of value of property as it ages and becomes subject to wear and tear and obsolescence and is calculated as \"Replacement Cost minus Depreciation.\"','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(248,18,'App\\Models\\Topic','How soon after the proof of loss is filed with the insurance company in Texas must it pay you?','The insurer has 60 days to pay an insured after the filing of the proof of loss.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(249,18,'App\\Models\\Topic','How many days written notice must the insurer give for nonpayment of premium?','An insurer may always cancel for nonpayment of premium with a 10 day written notice.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(250,18,'App\\Models\\Topic','For the dwelling, the Liquidated Demand provision requires the insurer:','In case of a total loss of insured property by fire, a Texas fire insurance policy is considered a liquidated demand against the company for the full (face) amount of the policy. This provision of the Texas Insurance Code does not apply to personal property. Because of this provision, a fire insurance policy is also called a valued policy.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(251,18,'App\\Models\\Topic','Dora insured her home for $50,000 even though the replace cost is $250,000. She suffered a $40,000 fire loss. Assuming she has an 80% coinsurance requirement, how much will the insurer pay Dora (assuming no deductible applies)?','As the amount insured is less than the 80% required, the coinsurance formula must be applied. $50,000 (Did) divided by $200,000 (Should = 80% of $250,000) equals 1/4 (25%) times $40,000 (the loss) = $10,000 paid.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(252,18,'App\\Models\\Topic','A dwelling property policy can be used to insure all of the following EXCEPT:','Farms are ineligible for coverage with a dwelling policy.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(253,18,'App\\Models\\Topic','Under the DP-1, the insured may insure the property for which perils?','Under the DP-1, the insured may insure the property for fire, lightning, the extended coverage perils, plus vandalism and malicious mischief.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(254,18,'App\\Models\\Topic','Which of the following dwelling forms provides open perils coverage for Coverages A &amp; B?','The Special form provides Open perils coverage on the structures.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(255,18,'App\\Models\\Topic','Which of the following is NOT an Extended Coverage peril?','The Extended Coverage perils are: (C.H.S.WAVVER) 1. Civil commotion, 2. Hail, 3. Smoke, 4. Windstorm, 5. Aircraft, 6. Vehicles, 7. Volcanic eruption, 8. Explosion, 9. Riot','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(256,18,'App\\Models\\Topic','The insured moved all his stuff to a new residence and left the heat on in the dwelling he vacated. Which of the following losses is still covered after more than 60 days of vacancy?','Freezing is covered if the insured has taken reasonable care to maintain heat in the building.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(257,18,'App\\Models\\Topic','Under the Additional Coverage “Property Removed,â€ the DP-1 provides how many days of coverage?','Under \"Property Removed\" coverage, the DP-1 provides 5 days of coverage at any location for any cause of loss.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(258,18,'App\\Models\\Topic','How much will the insurer pay for the loss of one tree from the peril of windstorm?','Loss or damage to lawns, trees, shrubs, and plants is covered on a limited named peril basis if caused by fire, lightning, explosion, riot or civil commotion, aircraft, vehicles (if not owned or operated by an insured), or vandalism and malicious mischief (excluding theft). This is an additional amount of insurance and is limited to a maximum of $500 per tree, shrub, or plant; or 5% of the amount of coverage on the dwelling per loss.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(259,18,'App\\Models\\Topic','Collapse coverage applies to which form or forms?','The peril of Collapse may be added to the DP-2 and DP-3 only.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(260,18,'App\\Models\\Topic','The peril of Volcanic action includes all of the following EXCEPT:','Volcanic eruption: a slide caused by a volcano is covered, but there is no coverage for loss caused by earthquake, land shock waves, or tremors.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(261,18,'App\\Models\\Topic','Additional expense will cover all EXCEPT:','Coverage E pays for the increase in normal living expenses the insured incurs while the described premises are unfit for normal use. This is an indirect loss of use coverage, so it applies only when a direct damage claim to A, B, or C is covered by the policy. These additional expenses include things such as rent for alternative housing and increased expenses for food, clothing, utilities, etc. The intent is to allow the family to maintain their normal standard of living, but it does not pay normal expenses that continue such as the mortgage.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(262,18,'App\\Models\\Topic','Mary purchases an HO-3 form that has a $300,000 coverage limit on the dwelling and a $150,000 personal property limit with a $500 deductible. If jewelry valued at $20,000 is stolen from the dwelling, Mary will collect a maximum of which of the following amounts?','Jewelry has a limit of $1,500 which may be paid for theft losses. Deductibles are always taken from the loss, not the limit. Therefore, with $20,000 in jewelry stolen, less the $500 deductible, $19,500 in coverage is available. But the insured is limit to a recovery of only the limit of $1,5000.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(263,18,'App\\Models\\Topic','John insured his home with an HO-3 Form for $200,000. If he has a fire loss of $25,000 to his unattached garage, his standard homeowners policy will provide coverage for which of the following amounts?','The Homeowners-3 policy form provides 10% of Coverage A-Dwelling to Coverage B-Unattached Structures, which may be increased.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(264,18,'App\\Models\\Topic','The homeowners form that provides open peril coverage on both the dwelling and personal property is:','The HO-5 policy form provides Open Perils coverage on both structures and personal property.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(265,18,'App\\Models\\Topic','The following items were stolen from a homeowner. Which of these losses would be fully covered under Coverage C of the HO-2 policy, assuming the deductible has been satisfied?','Homeowners policies provide $2,500 coverage for business property inside the dwelling, so the $2,000 loss would be covered in full.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(266,18,'App\\Models\\Topic','Susan owns a condominium. Which homeowners form must she buy?','The HO-6 is designed to insure owners of condominiums.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(267,18,'App\\Models\\Topic','Which HO form provides broad named perils on Coverages A, B, &amp; C?','The HO-2 provides Broad Named Perils on all property. (HO-8, Limited Named Perils; HO-3, Open &amp; Broad Named Perils; HO-4, Broad Named Perils on Coverage C.)','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(268,18,'App\\Models\\Topic','Under HO forms, full time students who are related to the named insured are insureds until age:','Under HO forms, full time students who are related to the named insured are insureds until age 24.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(269,18,'App\\Models\\Topic','The insured suffered a fire loss to her personal property while staying in a hotel in Madrid. Her HO-3 provides $100,000 coverage for personal property with a $500 deductible. Assuming her loss was $110,000, how much will she be paid?','Homeowners policies provide coverage for personal property anywhere in the world for the full amount insured under Coverage C. In the event of a total loss, the deductible is waived.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(270,18,'App\\Models\\Topic','A deer jumped through the front window of a home insured with an HO-3. What property is covered?','The HO-3 covers the structures on an Open Peril basis and personal property on a Named Perils basis. Open Perils do not exclude damage caused by wild animals. Named Perils do not name wild animal damage as an insured peril.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(271,18,'App\\Models\\Topic','The HO liability coverage will pay and defend for all of the following EXCEPT:','Personal Injury coverage insures for libel, slander, and defamation of character. Homeowners liability excludes Person Injury unless endorsed onto the policy.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(272,18,'App\\Models\\Topic','Which of the following is NOT an Insured\'s Duties After a Loss on Texas property policies?','A duty of the insured after a loss is to complete a signed, sworn Proof of Loss within 91 days after the insurer\'s request in Texas.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(273,18,'App\\Models\\Topic','How long after the insured provides the Proof of Loss does the insurer have to provide written notice as to whether they will repair or replace the property?','The insurer has the option to repair or replace any part of damaged property with like property by providing written notice to the insured within 30 days from receiving a signed, sworn, proof of loss.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(274,18,'App\\Models\\Topic','How long after the insurer receives the Proof of Loss does the insurer have to pay the claim?','Losses will be paid within 60 days of receiving proof of loss.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(275,18,'App\\Models\\Topic','Replacement cost is defined as:','Replacement cost (RC) is defined as the cost to replace damaged property with like kind and quality at today\'s price (today\'s cost, not original cost), without any deduction for depreciation.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(276,18,'App\\Models\\Topic','Which of the following statements is NOT true regarding Stated Value and Agreed Value policies?','Coinsurance does not apply to Stated Value or Agreed Value policies.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(277,18,'App\\Models\\Topic','Which of the following statements regarding the deductible is true?','A higher deductible amount usually lowers the amount of the premium and vice versa.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(278,18,'App\\Models\\Topic','John and Mary insured their home for $200,000 even though it would cost $500,000 to rebuild. Their HO policy has an 80% coinsurance requirement with a $1,000 deductible. How much would they receive for a loss by a covered peril of $100,000?','John and Mary should insure their home for $400,000, so the coinsurance must be applied: $200,000 / $400,000 = 50% x $100,000 = $50,000 - $1,000 = $49,000 paid.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(279,18,'App\\Models\\Topic','If the insurer makes any change that broadens coverage in the policy edition during the policy period or within 60 days before the effective date without any increase in premium, these changes will automatically apply to current policyholders without needing to be endorsed to the policy. This clause is known as:','The Liberalization clause says if the insurer makes any change that broadens coverage in the policy edition during the policy period or within 60 days before the effective date without any increase in premium, these changes will automatically apply to current policyholders without needing to be endorsed to the policy.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(280,18,'App\\Models\\Topic','Which of the following may an insured do regarding a property policy?','If any property is recovered in which there has already been a loss payment made, the insured has the option of taking the property and returning the amount paid or of giving the property to the insurance company.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(281,18,'App\\Models\\Topic','Ed and Edna borrowed money to buy a home. Edna told Ed to leave the premises, which he did. Ed later returned and burned down their house. The insurer declined to pay due to arson. How does this affect the mortgagee?','If the insurer denies a claim, the denial will not apply to the mortgagee if the mortgagee has notified the insurer of any change in ownership or occupancy, pays any premiums due, and submits a signed proof of loss within 60 days. In addition, if the insurer decides to cancel or nonrenew coverage, it will provide the mortgage holder with 10 days advance written notice. Nothing the insured does can impair the rights of the mortgagee.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(282,18,'App\\Models\\Topic','Which of the following statements is true of the Ordinance or Law clause?','Coverage does not apply to expenses incurred as the result of any ordinance or law (building codes) that regulate the construction, use, or repair of any property or that requires the tearing down of any property.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(283,18,'App\\Models\\Topic','All of the following are property policy exclusions except:','POWER FAILURE is defined as failure of power or other utility services that occur off of the location listed in the policy.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(284,18,'App\\Models\\Topic','Which of the following is NOT excluded by a property policy?','Coverage is not provided for a person who commits or directs another to commit an intentional act with the intent to cause a loss.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(285,18,'App\\Models\\Topic','Which of the following would NOT be a permissible incidental occupancy for a dwelling form?','Business occupancies can be accommodated as long as they are incidental, are conducted by the insured on the dwelling premises, and if there are no more than 2 employees working at any time. Permissible incidental occupancies include small service operations where sales of merchandise are not the primary function.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(286,18,'App\\Models\\Topic','Volcanic eruption covers all the following except:','Volcanic eruption – A mudslide caused by a volcano is covered, but there is no coverage for loss caused by earthquake, land shock waves, or tremors (the shaking of the ground).','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(287,18,'App\\Models\\Topic','The following are true about Vandalism &amp; Malicious Mischief coverages except:','Glass building blocks are covered.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(288,18,'App\\Models\\Topic','The insured left her window open to her bedroom and hail damaged her carpet and bed. The DP-2 excluded the loss for what reason?','Damage to the interior of a building is covered only if the roof or an outside wall was damaged first.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(289,18,'App\\Models\\Topic','The insured drove into his fence. Which dwelling form(s) would cover the loss?','The DP-1 covers damage cause by Vehicles but coverage does not apply to damage caused by vehicles owned or operated by an insured or a resident of the location listed in the policy. There is also no coverage for loss or damage to fences, driveways, or walks caused by a vehicle. The DP-2 &amp; 3 covers losses caused by residents and Insureds.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(290,18,'App\\Models\\Topic','Smoke damage is not covered in a DP-2 in which situation?','Smoke - Sudden and accidental damage caused by smoke is covered. But coverage does not include smoke from agricultural smudging, industrial operations.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(291,18,'App\\Models\\Topic','Which is NOT true of the dwelling Special form?','Unlike the Basic and Broad forms, which are named peril forms, the DP-3 is an Open Peril form for the dwelling and other structures.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(292,18,'App\\Models\\Topic','What is NOT covered under Coverage A in the dwelling policy?','Sheds are covered as Coverage B - Other Structures.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(293,18,'App\\Models\\Topic','If Coverage B is purchased on a dwelling policy, what is the limit allowed?','Coverage B covers other separate (appurtenant) structures at the same location, such as detached garages and other outbuildings, sheds, and fences for up to 10% of Coverage A as additional insurance.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(294,18,'App\\Models\\Topic','What is the limit that may be purchased for Coverage C of the dwelling policy?','There is no limit set as to the amount of Coverage C -Personal Property that may be purchased on a dwelling policy.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(295,18,'App\\Models\\Topic','Which of the following types of property are NOT covered by Coverage C of the dwelling policy?','Personal property of other in your custody, except renter\'s property, is covered.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(296,18,'App\\Models\\Topic','Coverage D covers which of the following?','Coverage D can be purchased and applies if property under Coverage A, B, or C becomes damaged or destroyed by a peril covered in the policy for the loss of rental income. Coverage E can be purchased and it pays for the increase in normal living expenses the insured incurs while the described premises are unfit for normal use. Like Coverage D, this is an indirect loss of use coverage, so it applies only when a direct damage claim to A, B, or C is covered by the policy.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(297,18,'App\\Models\\Topic','How many days of Property Removed coverage does the DP-1 policy provide for freezing?','Freezing is not a covered peril on the DP-1. The policy will pay for loss or damage to property removed from the insured premises when threatened by a peril insured against (fire, etc.). This coverage will pay for any cause of loss during this period on all 3 forms. The Basic form (DP-1) provides coverage for 5 days, while the Broad and Special forms provide 30 days of coverage.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(298,18,'App\\Models\\Topic','What is the maximum paid for the loss of one tree by a covered peril on a DP-1?','The DP-2 &amp; the DP-3 cover lawns, trees, shrubs, and plants. The DP-1 affords no coverage.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(299,18,'App\\Models\\Topic','Which dwelling forms provide Collapse coverage?','The DP-2 &amp; DP-3 forms cover Collapse.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(300,18,'App\\Models\\Topic','Under which dwelling form mat mobile homes be insured?','The MOBILE HOMES endorsement is available for the DP-1 only and allows a mobile home and its personal property to be insured on a dwelling policy.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(301,18,'App\\Models\\Topic','Which coverage is NOT packaged into a homeowners policy?','The homeowners policies were developed to package property, theft of personal property, and liability coverages into one policy for one premium.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(302,18,'App\\Models\\Topic','Which of the following is NOT eligible for a homeowners policy?','Homeowners policies may be used for the following types of properties or in the following situations: 1- to 4-family owner-occupied residences (under 1 roof); No more than 2 families or 2 roomers or boarders per unit; • Insuring a tenant of non-owned dwelling; Dwellings under construction if endorsed; Mobile homes if endorsed; and Seasonal dwellings and secondary residences. NOT farm dwellings.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(303,18,'App\\Models\\Topic','Which of the following homeowners forms will cover mysterious disappearance losses?','The HO-5 covers Open Perils on both real and personal property, so mysterious disappearance is covered.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(304,18,'App\\Models\\Topic','The insured owns a historic (circa 1889) home. Which HO form is applicable?','The HO-8 Modified form is unique and is intended for use when replacement cost coverage is not practical. When the market value of the structure is considerably lower than the replacement cost, such as some older homes (Circa 1889 historic homes), this form may be useful. Loss settlement is ACV and only basic named perils are covered.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(305,18,'App\\Models\\Topic','Which of the following is NOT an insured location?','Vacant land is an insured location unless there are structures or agricultural operations','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(306,18,'App\\Models\\Topic','How much personal property coverage is standard on the HO-5 form?','The HO-2, HO-3, HO-5 and HO-8 will automatically include a limit of insurance equal to 50% of the Coverage A limit for the insured\'s unscheduled personal property. This limit may be increased or decreased, but not below 40% for 1 and 2-family residences.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(307,18,'App\\Models\\Topic','The insured suffered a loss of $100,000 in personal property in a fire. $5,000 was in firearms. The deductible is $2,000. How much will he recover for his firearms?','The deductible is taken from the loss, not the limits, so $100,000 - $2,000 leaves $98,000 to pay the claim. Firearms have a limit of $2,500 for theft losses. This was not a theft loss, so the full $5,000 can be paid.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(308,18,'App\\Models\\Topic','A home insured for $250,000 under an HO-2 form suffered a $100,000 fire loss. The cost to remove the debris was $15,000. The deductible was $2,500. How much did the policy pay for this loss?','Debris Removal will pay reasonable expenses for the removal of debris of covered property for a covered cause of loss. The loss was not total, so the deductible will be applied.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(309,18,'App\\Models\\Topic','What limit is provided for credit card forgery in a homeowners policy?','Credit card, electronic fund transfer card or access device, forgery, and counterfeit money will pay up to $500 to cover the legal obligation of an insured to pay because of the theft or unauthorized use of a credit card, electronic fund transfer card, loss caused by forgery of a check, or loss through acceptance of counterfeit money that duplicates U.S. or Canadian currency. No deductible applies and the limit is considered additional insurance.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(310,18,'App\\Models\\Topic','Jim\'s HOA assessed him $1,500 for damages by fire to the HOA\'s clubhouse. How much will Jim\'s homeowners policy cover?','Loss assessment will pay up to $1,000 for the insured\'s share of a property loss assessment charged during the policy period against the insured as an owner or tenant of the residence premises by a corporation or association of property owners (HOA). The assessment must be made as a result of direct loss from a covered peril to property that is owned by all members collectively as long as it is of the type that would be covered by the insured\'s policy if owned by the named insured.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(311,18,'App\\Models\\Topic','How much will the insured\'s HO-2 pay for vandalism to the insured\'s grave markers?','Grave Markers will pay up to $5,000 for grave markers, including mausoleums, for loss caused by a named peril, on or off residence premises, except in the HO-8 form.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(312,18,'App\\Models\\Topic','Property policies exclude the additional costs created by building codes. Homeowners policies give some of this coverage back. How much does Ordinance or Law coverage provide?','ORDINANCE OR LAW coverage allows insureds to use up to 10% of the limit of liability that applies to Coverage A for the increased cost incurred because of enforcement of any ordinance or law (building codes).','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(313,18,'App\\Models\\Topic','Coverage E - Personal Liability covers an insured where?','Coverage E will respond if a claim is made or a suit is brought against an insured for damages due to bodily injury (BI) or property damage (PD) caused by an occurrence to which the coverage applies anywhere in the world.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(314,18,'App\\Models\\Topic','Which is true of medical payments coverage?','Coverage F will pay for necessary medical expenses incurred within 3 years of an accident causing bodily injury to a 3rd party without regard to fault. Necessary medical expenses include medical, surgical, x-ray, dental, ambulance, and funeral services.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(315,18,'App\\Models\\Topic','Which of the following is NOT paid by Supplementary Expenses?','Supplementary Payments will pay reasonable expenses incurred by the insured at the request of the insurer, including up to $250 per day for loss of income.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(316,18,'App\\Models\\Topic','Liability on the homeowners policy excludes damage to property of others in the insured\'s care, custody, or control. The policy then provides a small limit. What is this limit?','The policy will pay up to $1,000 per occurrence on a replacement cost basis for damage the insured causes to property of others on a no fault basis.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(317,18,'App\\Models\\Topic','The insured rents a room to a guest on AirB&amp;B. The guest twists her ankle and the medical bills are $1,000. How much does the insured\'s homeowners liability pay?','Business Pursuits of the insured are NOT covered (including room rental). The policy may be modified by endorsement for incidental businesses, such as offices, schools, studios, etc.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(318,18,'App\\Models\\Topic','The insured has liability coverage for an electric golf cart where?','Motorized golf cards are only cover for liability when on a golf course.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(319,18,'App\\Models\\Topic','Which of the following small boats or motors is NOT provided liability coverage on the homeowners policy?','Watercraft liability is provided for boats have an outboard motor of 25 HP or less.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(320,18,'App\\Models\\Topic','The condition in liability policies that allows the insurer to sue an at fault party if the insurer pays the insured is called:','The condition in liability policies that allows the insurer to sue an at fault party if the insurer pays the insured is called Subrogation. The insurer may require an assignment of rights of recovery for a loss to the extent that payment is made by the insurer.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(321,18,'App\\Models\\Topic','The Earthquake endorsement to the homeowners policy defines one earthquake as taking place over how long a period?','The Earthquake endorsement adds coverage due to earthquakes, landslides (not a mudslide), and earth movements. On personal lines policies, all damage occurring within a 72-hour period is considered the same event (a single loss) with one deductible.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(322,18,'App\\Models\\Topic','What is P&amp;I insurance?','Protection and Indemnity is a form of marine liability insurance.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(323,18,'App\\Models\\Topic','The insured purchased a $200,000 extra expense policy. If the percentages applying to the limit of insurance are 40%, 80%, and 100%, what would be the maximum payable for a 47-day loss?','Extra expense coverage is written with a minimum of 3 applicable percentages that apply to the limit of insurance in the declarations. When the period of restoration is 30 days or less, the first percentage applies; when it is more than 30 days and not more than 60 days, the second percentage applies; when more than 60 days, the third percentage applies. In this case, the calculation should be 80% of $200,000, so $160,000.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(324,18,'App\\Models\\Topic','Which inland marie form would provide the best protection for a dry cleaning company against loss or damage to their customer\'s property while in the care, custody, and control of the dry cleaners?','A bailee\'s policy does not cover property of the insured, but does cover their customer\'s property while in the care of the insured.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(325,18,'App\\Models\\Topic','Under a businessowners policy, an insured can cancel the policy','The insured may cancel the policy at any time by mailing a written notice of cancellation to the insurance company.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(326,18,'App\\Models\\Topic','Which of the following terms best describes a trembling or shaking of the earth that is volcanic or seismic in origin?','Earthquakes are excluded by most standard property forms, but coverage for may be added by endorsement to most property policies. Coverage may also be written in a Difference in Conditions policy.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(327,18,'App\\Models\\Topic','Which of the following is an example of a protective safeguard in a businessowners policy&gt;','The protective safeguards endorsement adds a policy condition requiring the insured to maintain protective safeguards (automatic sprinkler system, fire alarm, etc.) as a condition for coverage.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(328,18,'App\\Models\\Topic','Which of the following perils is covered by the HO-2 and HO-3?','Off-premises power failure, flood, and war are excluded from all DP and HO policies.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(329,18,'App\\Models\\Topic','A policyholder has an equipment breakdown policy with a $200,000 limit. If a boiler explosion causes $100,000 damage to the boiler itself, $50,000 damage to the insured\'s building, and $30,000 of expediting expenses, how much will the insured collect under the policy?','The limit of the equipment breakdown policy applies to property of the insured, property of others, and expediting expenses in any combination as long as expediting expense does not exceed $25,000.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(330,18,'App\\Models\\Topic','The type of insurance used to cover goods for one specific trip is called','Trip transit policies cover a single shipment of goods for a specific trip.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(331,18,'App\\Models\\Topic','An individual\'s construction company leaves mobile equipment and construction machinery on the job site until the project is completed. What could this individual use to insure it?','The contractors equipment floater covers equipment left unattended on a job site until the project is finished.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(332,18,'App\\Models\\Topic','Which of the following is covered under the Mail floater of a Commercial Inland Marine policy ONLY if is sent by registered mail?','Property covered only when sent by registered mail includes the following: bullion; platinum and other precious metals; currency and unsold travelers checks; or jewelry, watches, precious and semiprecious stones and similar property.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(333,18,'App\\Models\\Topic','The mobilehome endorsement alters the homeowners policy to cover a mobilehome and other structures on land','The mobilehome endorsement alters the homeowners policy to cover a mobilehome and other structures on land owned or leased by the resident of the mobilehome.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(334,18,'App\\Models\\Topic','Which of the following is covered under the Camera and Musical Instruments Dealers floater?','Covered property includes customer\'s property left for repair, cleaning or service.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(335,18,'App\\Models\\Topic','Under the examinations of books and records condition, the insurance company has the right to examine and audit the insured\'s books and records related to the policy','Any time during the policy period and for up to 3 years after the termination of the policy, the insurer may examine the books and records.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(336,18,'App\\Models\\Topic','A business using its own trucks to move its own cargo would insure the cargo using','A business using its own trucks to move its own cargo would insure the cargo using the owners form.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(337,18,'App\\Models\\Topic','Which of the following statements regarding coverage for the flood and earthquake perils is true?','Flood and earthquake are both excluded perils in all property policies. However, coverage for both or either one usually can be purchased separately for an additional premium (by endorsement).','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(338,18,'App\\Models\\Topic','Which of the following losses would NOT be covered by a homeowners policy?','An HO policy will pay up to $2,500 for silverware by theft, $1,500 for boats, motors, trailers, $1,500 for loss of trailers not used with boats, but no more than $200 for coins.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(339,18,'App\\Models\\Topic','Which of the following IS covered under the theatrical property floater of an Inland Marine policy?','Covered property includes the following: scenery; costumes; theatrical property; and similar property of others. Vehicles are also covered if they are actually used on stage.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(340,18,'App\\Models\\Topic','A company has a businessowners policy on a building with an estimated replacement cost of $300,000. The company carries $150,000 of insurance. If a loss occurs, how much will the insured company be paid?','If the property is not insured to 80% of the full replacement value, the policy will pay the greater of actual cash value (ACV) or the coinsurance formula: amount carried - amount that should be carried - amount of loss = amount paid.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(341,18,'App\\Models\\Topic','Which of the following property coverages would provide protection to contents damaged by fire?','Coverage C Personal Property provides coverage for the contents of an insured dwelling.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(342,18,'App\\Models\\Topic','Bob is purchasing a homeowners policy to cover a home costing $200,000 to rebuild. The policy includes an 80% coinsurance clause. To avoid a coinsurance penalty in the event of a partial loss, Bob should purchase a policy with minimum limits of at least:','The coinsurance clause requires a minimum amount of insurance to avoid a coinsurance penalty. An 80% requirement for a $200,000 dwelling is $160,000.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(343,18,'App\\Models\\Topic','For the dwelling, the Liquidated Demand provision requires the insurer:','In case of a total loss of insured property by fire, a Texas fire insurance policy is considered a liquidated demand against the company for the full (face) amount of the policy. This provision of the Texas Insurance Code does not apply to personal property. Because of this provision, a fire insurance policy is also called a valued policy.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(344,18,'App\\Models\\Topic','Dora insured her home for $50,000 even though the replace cost is $250,000. She suffered a $40,000 fire loss. Assuming she has an 80% coinsurance requirement, how much will the insurer pay Dora (assuming no deductible applies)?','As the amount insured is less than the 80% required, the coinsurance formula must be applied. $50,000 (Did) divided by $200,000 (Should = 80% of $250,000) equals 1/4 (25%) times $40,000 (the loss) = $10,000 paid.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(345,18,'App\\Models\\Topic','Under the DP-1, the insured may insure the property for which perils?','Under the DP-1, the insured may insure the property for fire, lightning, the extended coverage perils, plus vandalism and malicious mischief.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(346,18,'App\\Models\\Topic','Under the Additional Coverage Property Removed, the DP-1 provides how many days of coverage?','Under \"Property Removed\" coverage, the DP-1 provides 5 days of coverage at any location for any cause of loss.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(347,18,'App\\Models\\Topic','Mary purchases an HO-3 form that has a $300,000 coverage limit on the dwelling and a $150,000 personal property limit with a $500 deductible. If jewelry valued at $20,000 is stolen from the dwelling, Mary will collect a maximum of which of the following amounts?','Jewelry has a limit of $1,500 which may be paid for theft losses. Deductibles are always taken from the loss, not the limit. Therefore, with $20,000 in jewelry stolen, less the $500 deductible, $19,500 in coverage is available. But the insured is limit to a recovery of only the limit of $1,5000.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(348,18,'App\\Models\\Topic','John insured his home with an HO-3 Form for $200,000. If he has a fire loss of $25,000 to his unattached garage, his standard homeowners policy will provide coverage for which of the following amounts?','The Homeowners-3 policy form provides 10% of Coverage A-Dwelling to Coverage B-Unattached Structures, which may be increased.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(349,18,'App\\Models\\Topic','Which HO form provides broad named perils on Coverages A, B, &amp; C?','The HO-2 provides Broad Named Perils on all property. (HO-8, Limited Named Perils; HO-3, Open &amp; Broad Named Perils; HO-4, Broad Named Perils on Coverage C.)','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(350,18,'App\\Models\\Topic','Which HO form provides broad named perils on Coverages A, B, &amp; C?','The HO-2 provides Broad Named Perils on all property. (HO-8, Limited Named Perils; HO-3, Open &amp; Broad Named Perils; HO-4, Broad Named Perils on Coverage C.)','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(351,18,'App\\Models\\Topic','Under HO forms, full time students who are related to the named insured are insureds until age:','Under HO forms, full time students who are related to the named insured are insureds until age 24.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(352,18,'App\\Models\\Topic','If the insurer makes any change that broadens coverage in the policy edition during the policy period or within 60 days before the effective date without any increase in premium, these changes will automatically apply to current policyholders without needing to be endorsed to the policy. This clause is known as:','The Liberalization clause says if the insurer makes any change that broadens coverage in the policy edition during the policy period or within 60 days before the effective date without any increase in premium, these changes will automatically apply to current policyholders without needing to be endorsed to the policy.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(353,18,'App\\Models\\Topic','If Coverage B is purchased on a dwelling policy, what is the limit allowed?','Coverage B covers other separate (appurtenant) structures at the same location, such as detached garages and other outbuildings, sheds, and fences for up to 10% of Coverage A as additional insurance.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(354,18,'App\\Models\\Topic','The insured suffered a loss of $100,000 in personal property in a fire. $5,000 was in firearms. The deductible is $2,000. How much will he recover for his firearms?','The deductible is taken from the loss, not the limits, so $100,000 - $2,000 leaves $98,000 to pay the claim. Firearms have a limit of $2,500 for theft losses. This was not a theft loss, so the full $5,000 can be paid.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(355,18,'App\\Models\\Topic','A home insured for $250,000 under an HO-2 form suffered a $100,000 fire loss. The cost to remove the debris was $15,000. The deductible was $2,500. How much did the policy pay for this loss?','Debris Removal will pay reasonable expenses for the removal of debris of covered property for a covered cause of loss. The loss was not total, so the deductible will be applied.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(356,18,'App\\Models\\Topic','Jim\'s HOA assessed him $1,500 for damages by fire to the HOA\'s clubhouse. How much will Jim\'s homeowners policy cover?','Loss assessment will pay up to $1,000 for the insured\'s share of a property loss assessment charged during the policy period against the insured as an owner or tenant of the residence premises by a corporation or association of property owners (HOA). The assessment must be made as a result of direct loss from a covered peril to property that is owned by all members collectively as long as it is of the type that would be covered by the insured\'s policy if owned by the named insured.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(357,18,'App\\Models\\Topic','Liability on the homeowners policy excludes damage to property of others in the insured\'s care, custody, or control. The policy then provides a small limit. What is this limit?','The policy will pay up to $1,000 per occurrence on a replacement cost basis for damage the insured causes to property of others on a no fault basis.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(358,18,'App\\Models\\Topic','The insured rents a room to a guest on AirB&amp;B. The guest twists her ankle and the medical bills are $1,000. How much does the insured\'s homeowners liability pay?','Business Pursuits of the insured are NOT covered (including room rental). The policy may be modified by endorsement for incidental businesses, such as offices, schools, studios, etc.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(359,18,'App\\Models\\Topic','The insured purchased a $200,000 extra expense policy. If the percentages applying to the limit of insurance are 40%, 80%, and 100%, what would be the maximum payable for a 47-day loss?','Extra expense coverage is written with a minimum of 3 applicable percentages that apply to the limit of insurance in the declarations. When the period of restoration is 30 days or less, the first percentage applies; when it is more than 30 days and not more than 60 days, the second percentage applies; when more than 60 days, the third percentage applies. In this case, the calculation should be 80% of $200,000, so $160,000.','MEDIUM','MCQ','2023-05-23 10:31:07','2023-05-23 10:31:07'),
	(360,19,'App\\Models\\Topic','A policyholder would expect to find which of the following information in the insuring agreement section of an auto policy?','The insuring agreement includes the insurer\'s promise to pay on behalf of the insured and includes, in liability policies, the duty to defend the insured.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(361,19,'App\\Models\\Topic','Auto limits of 50/100/50 mean:','Auto limits of 50/100/50 mean $50,000 BI for each person, $100,000 BI for each occurrence, and $50,000 PD for each accident.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(362,19,'App\\Models\\Topic','Judy has a personal auto policy with a combined single limit of $300,000 for bodily injury and property damage. After causing an accident with two other autos, a court awards $200,000 BI and $25,000 PD to Mr. Jones, and $100,000 BI and $15,000 PD to Mrs. Smith. How much will the insurance company pay in total on behalf of Mary to the two parties?','The company\'s promise to pay is combined single limit of $300,000 and no more.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(363,19,'App\\Models\\Topic','Mr. Jones has a personal auto policy with bodily injury limits of $50,000/$100,000. His wife is driving his insured vehicle when she has an at fault accident and injures Mr. Brown. Mr. Brown is awarded $47,000 from Mrs. Jones as the driver and $6,000 from Mr. Jones as the vehicle owner. The company incurred $8,000 in expenses handling the case for the insured. What does the Jones\' policy pay for this accident?','The award of a court does not increase the amount an insurer will pay. The insurer agreed to pay any one person injured by the insured up to $50,000 and no more. The policy will supplementary costs without limit, so the policy also pays the $8,000 in expenses.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(364,19,'App\\Models\\Topic','How much will a personal auto policy pay for the insured\'s taxi expenses if the insured vehicle is stolen?','Transportation expenses will be paid if the loss is caused by Collision or OTC, as long as the coverage is indicated in the Declarations. The policy will pay up to $20 per day up to a maximum of $600 for alternate transportation expenses (bus, train, taxi, etc.) incurred by the insured due to a covered loss. Expense payments begin after a 24-hour waiting period for reasons other than theft. In the event of theft of a covered vehicle, expenses are covered beginning 48-hours after the theft.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(365,19,'App\\Models\\Topic','Medical payments coverage provides protection for all of the following EXCEPT:','Auto Medical Payments is a first party coverage. It covers the insured, the insured\'s family members, and occupants in the insured\'s vehicle.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(366,19,'App\\Models\\Topic','All of the following are true regarding physical damage coverage EXCEPT:','The limit of liability is the LESSER of the actual cash value of the vehicle at the time of loss or the amount necessary to repair or replace the vehicle.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(367,19,'App\\Models\\Topic','While Personal Injury Protection (PIP) benefits under an auto policy are paid without regard to fault, an insurer may not pay benefits for any injury:','Generally, intentional acts are never covered by insurance.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(368,19,'App\\Models\\Topic','Auto combined single limits of liability of $85,000 means:','Combined single limits covers both BI &amp; PD losses in a single limit of insurance.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(369,19,'App\\Models\\Topic','Which of the following statements about canceling a personal auto policy is CORRECT?','The insurer can always cancel a policy at any time with a 10-day notice if the insured fails to pay premiums when due.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(370,19,'App\\Models\\Topic','Little 9 year old Johnnie decides to drive daddy\'s car and backs into his neighbors car. Daddy\'s insurance company:','An Insured in the personal auto policy includes any resident family member without regard to age and without any requirement to hold a driver\'s license.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(371,19,'App\\Models\\Topic','Jim borrows his neighbor Joe\'s car and has an at fault accident. Which of the following statements is true regarding the Personal Auto Policy?','The policy on the auto being driven is primary and will defend both the driver Jim and the insured Joe. Jim\'s policy is excess and will defend Jim if Joe\'s insurance limits are not adequate to pay the claim. Jim\'s policy will not defend Joe.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(372,19,'App\\Models\\Topic','Which of the following types of vehicles with the Personal Auto Policy NOT cover?','Your covered auto includes: Any owned vehicle shown in the declarations, Private passenger type autos, Pickup trucks and vans Not used in business (except farm vehicles), A newly acquired auto; Any trailer owned or hitched to a covered auto (for liability only); A non-owned rented or borrowed auto (coverage is excess); or Any auto or trailer not owned by the insured but used as a temporary substitute for a vehicle described above which is out of normal use because of its breakdown, repair, servicing, loss, or destruction.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(373,19,'App\\Models\\Topic','Mary\'s personal auto policy expires on December 31st. She trades in her old car for a newer one. She only had liability coverages on her old car. Which statement is correct?','For a newly acquired substitute auto, the personal auto policy proves automatic coverage for 14 days if OTC &amp; Collision coverages were carried on the prior auto. Otherwise, OTC &amp; collision coverages with a $500 are available for 4 days but liability coverage will extend until the policy renewal date.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(374,19,'App\\Models\\Topic','Under the personal auto policy, the policy provides a per diem amount for loss of earnings if the insurer needs the insured to assist in legal proceedings. How much is provided?','Supplementary Payments in the personal auto policy provides that the insurer will pay other reasonable expenses incurred at the request of the insurer are covered, including up to $200 per day for loss of earnings (income) for assisting in legal proceedings.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(375,19,'App\\Models\\Topic','Which of the following is NOT excluded in a Personal Auto Policy?','Intentional damage is not covered; the policy covers unintentional acts.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(376,19,'App\\Models\\Topic','Mary Jones plans to stay for 2 days in another state which has a higher financial responsibility limit than Texas requires. Mary only carries the required minimum limits. Which statement best applies?','If a covered auto is involved in an auto accident that occurs in any state or Canadian province other than the one in which the auto is principally garaged, Out-of-State coverage will apply automatically providing the higher limits required.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(377,19,'App\\Models\\Topic','Which statement regarding Personal Injury Protection (PIP) coverage is incorrect?','The insured may choose to reject PIP in writing.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(378,19,'App\\Models\\Topic','Uninsured/Underinsured Motorist coverage provides all of the following except:','UM/UIM provides coverage if hit and run, but not for just being forced off the road.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(379,19,'App\\Models\\Topic','Which of the following is NOT true of UM/UIM coverage?','The Property Damage deductible is $250.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(380,19,'App\\Models\\Topic','Individuals who need more liability coverage than that provided by their auto, homeowners, and RV or boat liability policies should purchase:','A personal umbrella policy provides additional limits of liability coverage over personal lines liability coverages such as in auto, homeowners, and watercraft policies.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(381,19,'App\\Models\\Topic','What is a Self Insured Retention (SIR)?','A Self Insured Retention (SIR) is amount the insured agrees to pay if the underlying policy does not pay but which is covered by the umbrella policy. (Excess policies do not have an SIR.)','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(382,19,'App\\Models\\Topic','Pete wants more liability protection than his auto, boat, and homeowners policies provide. He purchases a Personal Umbrella policy with an SIR of $1,000 which requires that underlying policies have minimum limits of liability of $500,000 CSL. He increases his limits to the required amount on his auto and homeowners, but carries only $300,000 liability limits on his boat policy. What must Pete pay in the event of a watercraft liability loss of $1,000,000?','The insurer required a minimum limit of liability of $500,000 CSL on all policies over which the umbrella policies applies, but the insured only provided a limit of $300,000 on his watercraft policy. In the event of a loss that was greater than $500,000, the insured would have to pay the difference of $200,000 before the umbrella policy would pay.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(383,19,'App\\Models\\Topic','Umbrella and Excess liability policies are also known as:','Umbrella and Excess liability policies are also called catastrophe insurance.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(384,19,'App\\Models\\Topic','Which of the following is NOT an insured in a personal auto policy?','The spouse of the named insured, if a resident of the same household, is an insured. If the spouse ceases to be a resident of the same household, coverage may not apply.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(385,19,'App\\Models\\Topic','Which of the following is NOT a covered auto?','Autos used in business cannot be insured with a personal auto policy.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(386,19,'App\\Models\\Topic','Personal Auto Medical payments would NOT pay for which of the following?','Medical payments applies to losses incurred while \"occupying\" a covered auto. Occupying means in, upon, getting in, on, out of, or off a vehicle.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(387,19,'App\\Models\\Topic','Jane owns only one auto and she traded in her old car for a new car on January 2nd. Her personal auto policy will expire on August 3rd. Which of the following statements is not correct?','If the vehicle is not added to the policy, liability coverages will extend until the policy expiration date.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(388,19,'App\\Models\\Topic','In the personal auto liability insuring agreement, the policy will pay for all of the following except:','The personal auto liability coverage will pay for loss of use of property of others damaged by the insured, not for the insured\'s own property.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(389,19,'App\\Models\\Topic','Which of the following is not included in Supplementary Payments coverage of the personal auto policy?','Supplementary payments will pay up to $250 for bail bonds. There is no limit for appeal bonds.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(390,19,'App\\Models\\Topic','Which of the following is excluded by the personal auto liability coverage?','All three are excluded: intentional act, damage to property transported, and use as a livery conveyance.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(391,19,'App\\Models\\Topic','On a personal auto policy, Jim purchased a Combined Single Limit of liability of $300,000. Which of the following is NOT correct regarding UM/UIM coverage?','Limits of coverage for UM/UIM cannot exceed the Part A: Liability limits.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(392,19,'App\\Models\\Topic','Pete\'s personal auto medical payments covers all of the following persons except:','Insured is defined under Part B1 - Medical Payments as: The named insured (\"you\") or any family member while occupying a motor vehicle designed for public road use, or any trailer; The named insured or any family member as a pedestrian if struck by a motor vehicle designed for public road use, or any trailer; and Any other person while occupying a covered auto.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(393,19,'App\\Models\\Topic','Personal Injury Protection coverage provides all of the following except:','A person is eligible for essential services only if he is not working.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(394,19,'App\\Models\\Topic','Which of the following is correct regarding UIM coverage?','Under Insured Motorists (UIM) covers the insured for injuries and property damage when the at fault party\'s coverage is insufficient. (The other answers apply to UM.)','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(395,19,'App\\Models\\Topic','Which of the following perils is excluded in the personal auto OTC coverage?','The peril of freezing is excluded in the Other Than Collision coverage.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(396,19,'App\\Models\\Topic','Which of the following is NOT a Duty After an Accident or Loss?','One of the conditions in Duties After an Accident or Loss is to notify the police of a \"hit and run\" accident or if the vehicle is stolen.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(397,19,'App\\Models\\Topic','The personal auto policy provides coverage in all but which of the following jurisdictions?','The PAP coverage territory includes the United States, its territories and possessions, Puerto Rico, and Canada, but not Mexico.','MEDIUM','MCQ','2023-05-23 10:34:13','2023-05-23 10:34:13'),
	(398,20,'App\\Models\\Topic','Coverage under an occurrence commercial general liability form is triggered:','Coverage under an occurrence commercial general liability form is triggered when the claim occurs during the policy period.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(399,20,'App\\Models\\Topic','Which of the following would typically NOT be excluded under Coverage A (BI &amp; PD) of the commercial general liability policy?','Incidental contracts are insured under Coverage A. Libel and slander are insured under Coverage B.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(400,20,'App\\Models\\Topic','Which of the following is excluded under Coverage A (BI &amp; PD) of the commercial general liability policy?','Intentional acts, pollution, and liquor liability are all excluded in CGL policies.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(401,20,'App\\Models\\Topic','Which of the following statements about the 60-day basic extended reporting period is NOT true?','The insured may make a report orally; it does not have to be in writing.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(402,20,'App\\Models\\Topic','What is the purpose of a retroactive date in the claims-made form?','The retroactive date in the claims-made form sets a date in the past as the first date on which an event may occur and be covered by the new policy if a claim is filed during the policy period.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(403,20,'App\\Models\\Topic','Which of the following is a personal and advertising injury?','Coverage B, Personal and Advertising Injury, insures for libel, slander, and defamation of character.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(404,20,'App\\Models\\Topic','ABC Construction built a wall on a building for a customer. Six months after the wall was completed it collapsed causing damage to the insured\'s property. This type of accident would be considered:','If a loss occurs after a job is completed due to the negligence of the insured, the Products and Completed Operations coverage of the CGL will apply.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(405,20,'App\\Models\\Topic','In the CGL, with which type of insured is the spouse also considered an insured?','The spouse is considered an insured by the CGL for sole proprietors and partnerships.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(406,20,'App\\Models\\Topic','An insurance agent forgot to add a new car to an insured\'s Personal Auto Policy. Several months later, the insured had a collision and the insurer declined to pay and defend, so the insured sued the agent. What coverage does the agent need?','Errors &amp; Omissions professional liability policies cover insurance agents for their mistakes.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(407,20,'App\\Models\\Topic','John, as a director of his law firm, was sued for sexual harassment. Which type of liability policy does his firm need to provide a defense?','Employment Practices Liability insurance provides a defense for sexual harassment.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(408,20,'App\\Models\\Topic','Employers who want to cover employees use of their own cars in their business should have liability coverage apply to which of the following autos?','Nonowned autos are autos not owned, leased, or borrowed by the insured but are used in business. This typically refers to an employees use of his or her personal auto for business purposes (picking up supplies, going to the bank, etc.).','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(409,20,'App\\Models\\Topic','You and your partner own an advertising business. Your unmarried son graduates from college and you hire him to do sales and provide him with a company owned private passenger type car. He sells his car and drops his auto insurance. What coverage or endorsement should you add to your business auto policy to protect your son in case he borrows a friend\'s car?','The Personal Auto Policy provides coverage for nonowned autos. Employees that are provided a company car and who do not have a PAP are not afforded nonowned auto coverage under the Business Auto Policy. These two endorsements may be added to the BAP to provide that coverage.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(410,20,'App\\Models\\Topic','The insured buys and sells many autos for his fleet each year in his plumbing business. He wants the broadest coverage available under his BAP. Which symbol should the agent place on his policy?','On the business auto policy, symbol 1 designates coverage for any auto and is the broadest coverage symbol.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(411,20,'App\\Models\\Topic','Mary owns a design company and only has the minimum limits required by the state to meet the financial responsibility law on her BAP. She wants to send an insured auto and crew to another state that has higher financial liability limit requirements for a day job. What must she do?','The business auto policy offers the same Out of State extension of coverage as the Personal Auto policy. While your insured auto is temporarily operating in a state that has a higher limit of liability requirement than your state, your limits automatically increase to meet that requirement.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(412,20,'App\\Models\\Topic','The insured\'s employee is injured in a company car. How much will the BAP pay the employee?','Employees are excluded from coverage and must rely on workers compensation for their injuries.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(413,20,'App\\Models\\Topic','The insured carries Specified Causes of Loss physical damage coverage on a BAP with a $100 deductible on his autos instead of Comprehensive (OTC) because it saves money. It will cost $500 to repair his windshield broken in a collision with a tree. How much will he be paid under Specified Causes of Loss coverage?','Specified Cause of Loss is a named peril coverage and glass breakage is not covered. Collision coverage, if any, would pay the loss.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(414,20,'App\\Models\\Topic','Which of the following businesses might NOT be covered under a garage coverage form?','A limousine operator would be covered by a business auto policy.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(415,20,'App\\Models\\Topic','Which of the following coverages is NOT included in an unendorsed garage policy?','A garage Liability policy includes the language for coverages for Garage, Garagekeepers, and physical damage, but Medical Payments, PIP, and UM/UIM coverages must be added by endorsement.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(416,20,'App\\Models\\Topic','The Garage Liability policy covers the insured\'s:','Medical Payments coverage must be added to the Garage policy by endorsement.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(417,20,'App\\Models\\Topic','Garagekeepers Liability covers the insured\'s:','Garagekeepers liability is the bailee coverage for customer\'s autos.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(418,20,'App\\Models\\Topic','A lady was injured on the stairs of an office building. Under the Commercial general Liability policy this would be defined as:','An occurrence is an accident (also called an event), including continuous or repeated exposure to the same harmful conditions.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(419,20,'App\\Models\\Topic','The CGL policy has a dollar limit of liability which is paid to claimants on which basis?','The Per Occurrence combined single limit (CSL) is a sublimit in a liability policy that puts a ceiling on the payment for all claims that arise from a single accident/occurrence regardless of the number of persons injured or properties damaged.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(420,20,'App\\Models\\Topic','Which of the following statements is true of the Per Person limit?','Per person is the maximum amount available for payment of bodily injuries to a single person in an accident regardless of the policy limit stated in the policy for bodily injury claims. Multiple persons can be paid until the aggregate limits are exhausted.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(421,20,'App\\Models\\Topic','The insured\'s CGL policy has limits of $1,000,000 per occurrence BI &amp; PD, $1,000,000 per occurrence PI &amp; AI, $5,000 per person Medical Payments , $50,000 per occurrence fire legal liability with a $2,000,000 general aggregate and $2,000,000 products &amp; completed operations aggregate. During the policy period, the insured suffered a $1,100,000 BI loss, three $5,000 medical payments claims, a $500,000 products loss, and a $300,000 personal injury claim. How much of his general aggregate remains?','All losses except products or completed operations losses are deducted from the General Aggregate limits. $2,000,000 - $1,000,000 (the insured had to pay $100,000 out of pocket) - $15,000 - $300,000 = $685,000 remains to pay claims.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(422,20,'App\\Models\\Topic','A contractor would have which types of CGL exposures?','Since contractors generally perform their operations at other locations, they have operations and completed operations exposures.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(423,20,'App\\Models\\Topic','Which types pf exposures would a manufacturer have?','A manufacturer may have premises, operations, and products exposures','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(424,20,'App\\Models\\Topic','My business rents classroom space. If I were to damage the room, which coverage under the CGL would protect me?','A specific amount of coverage, which may be increased, is also included in the general liability policy for damage to Property of Others aka FIRE LEGAL LIABILITY (FLL). This coverage pays for fire or other damage to property the insured leases or temporarily occupies (conference room, expo space) caused by the insured\'s negligence.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(425,20,'App\\Models\\Topic','My insurance agency hosted a Christmas party where we served alcohol to our guests. One guest left and caused bodily injury in an accident in which he received a DWI. My agency was also sued for negligence for serving too much alcohol to the guest. If the CGL would respond, which coverage would apply?','The CGL would respond and defend the insured as the liquor liability exclusion applies only to those businesses that manufacture, distribute, serve, or sell alcoholic beverages. Any bodily injury awards would be paid under the Bodily Injury limits of liability.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(426,20,'App\\Models\\Topic','Which of the following regarding the CGL policy is an incorrect statement?','The right and duty of the \"insurer\" to defend ends when the limits of insurance have been exhausted.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(427,20,'App\\Models\\Topic','An employee came to work drunk and intentionally cut his hand in order to sue his employer. All of the following exclusions in the CGL would apply except:','The employer did not serve the employee alcohol so the liquor liability exclusion does not apply.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(428,20,'App\\Models\\Topic','Each of the following is an incidental contract except:','An insured (incidental) includes: Contracts for lease of premises; Easement or license agreements, except in connection with construction or demolition within 50 feet of a railroad; Liability the insured assumes under any contract that would have been imposed by law even in the absence of the contract; Sidetrack agreement; Elevator maintenance agreements; and an Obligation to indemnify a municipality.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(429,20,'App\\Models\\Topic','Each of the following is covered in the CGL policy in Coverage B: Personal Injury &amp; Advertising Injury except::','Intentional acts are excluded in the CGL. Knowing that the slander or libel is not true is an intentional act.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(430,20,'App\\Models\\Topic','CGL Coverage C: Medical payments will pay to each of the following except:','Coverage C - Medical Payments will not pay for bodily injury to or resulting from: Any insured except volunteer workers; Employees or anyone hired by the insured; Intentionally caused injuries.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(431,20,'App\\Models\\Topic','The Supplementary Payments coverage of the CGL that pay in addition to the liability limits include all of the following except:','Under Supplementary Payments, the CGL will pay up to \"$250\" per day for loss of insured\'s earnings if required to attend hearings or trials. (Auto policies pay up to $200 per day.)','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(432,20,'App\\Models\\Topic','A doctor was sued in what she thought was a frivolous claim. The insurer that provided the professional liability policy wanted to pay to avoid going to court, but the doctor wanted to go to trial. What provision of the professional liability policy applies.','In professional liability coverage, an insurer cannot settle a claim without the consent of the insured (consent to settle provision). If the insured has not given up this right for a reduction of premium, the insured can require the insurer to defend the claim and prove in court that the insured is not liable.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(433,20,'App\\Models\\Topic','Which is the only liability policy that will protect an employer for discrimination claims?','Employment practices liability refers to exposures employers face in their capacity as an employer. These types of claims are not covered by commercial general liability or the employer\'s liability portion of workers compensation. This coverage provides protection for liability arising from the following: refusal to employ, termination of the person\'s employment, demotion or failure to promote, negative evaluation, reassignment, discipline, defamation or humiliation of the person based on discrimination, etc.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(434,20,'App\\Models\\Topic','Fiduciary liability policies cover which type of persons or entities for their acts in handling the funds of others?','Fiduciary liability policies protect employee benefit plan administrators for their acts of negligence, errors, or omissions in their handling of funds.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(435,20,'App\\Models\\Topic','Who is an insured under the Business Auto Policy using the company\'s autos?','The following are considered an insured under Section II of the business auto coverage form: The person or organization named in the Declarations for any covered auto; Anyone else while using a covered auto with the insured\'s permission, except the following: Owners of the auto (from whom an insured hires or borrows an auto); Someone using a covered auto who is in the business of selling, repairing, servicing, parking, or storing autos; Employees and partners for autos they own.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(436,20,'App\\Models\\Topic','Which of the following is not excluded in the liability section of the BAP?','The liability section of the business auto policy excludes pollution except that caused by fluids used in the auto.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(437,20,'App\\Models\\Topic','If an insured wished to cover his autos for flood damage, which coverage would he buy?','Other Than Collision (comprehensive coverage) is an open perils coverage that includes damage caused by flood. Specified Causes of Loss is a limited named peril coverage which excludes flood damage.','MEDIUM','MCQ','2023-05-23 10:35:37','2023-05-23 10:35:37'),
	(438,21,'App\\Models\\Topic','In a retail business, all of the following situations would be considered theft EXCEPT:','Because the cause of an inventory shortage is unknown, it is not considered theft.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(439,21,'App\\Models\\Topic','Employee theft provides coverage for theft of money, securities, and other property by employees. There are three schedules available; they include all of the following EXCEPT:','There is no Named Position schedule.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(440,21,'App\\Models\\Topic','The three parties to a bond are:','The three parties to a bond are the principal (obligor), oblige (insured), and surety (guarantor).','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(441,21,'App\\Models\\Topic','A bid bond:','A bid bond guarantees to the oblige that if the principal is awarded the contract, the surety will furnish the performance bond for the principal.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(442,21,'App\\Models\\Topic','A performance bond:','A performance bond guarantees to the oblige that the principal will perform the contract as drawn.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(443,21,'App\\Models\\Topic','Which of the following must be TRUE in a burglary?','Burglary is a theft inside a premise. Visible evidence of forcible entry or forcible exit is required, but actual entry is not required.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(444,21,'App\\Models\\Topic','The judge orders a person under arrest to post a bond to be released. What is the person under arrest called?','The judge or court is the obligee, the person under arrest is the principal, and the party providing the bond is the surety.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(445,21,'App\\Models\\Topic','Crime coverage would pay in which of the following situations?','The manager is a messenger covered by the crime policy.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(446,21,'App\\Models\\Topic','A person desiring to be a notary must secure which type of bond?','Notary bonds are license and permit bonds.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(447,21,'App\\Models\\Topic','A fidelity bond protects in which of the following situations?','Fidelity bonds protect the business from crimes committed by employees.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(448,21,'App\\Models\\Topic','If an employee had been injured and impaired at a previous job, benefits under workers compensation for injuries at a new job are paid partially by:','The Second Injury Fund was created to pay for subsequent injuries to workers instead of workers compensation as an incentive to employers to hire partially disabled workers.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(449,21,'App\\Models\\Topic','Who pays the premium for workers compensation insurance?','Employers pay the premiums for workers compensation insurance.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(450,21,'App\\Models\\Topic','Which of the following benefits are not paid under workers’ compensation laws?','Work comp does not pay for mental anguish, pain, or suffering.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(451,21,'App\\Models\\Topic','In Texas, workers compensation laws apply:','Work comp laws apply to most employees in Texas, except those excluded by the law.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(452,21,'App\\Models\\Topic','In Texas, workers compensation coverage is:','Though workers compensation laws apply to all employers in Texas, purchase of the coverage is elective, not compulsory.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(453,21,'App\\Models\\Topic','When an injured employee can only be paid under workers compensation, it is called:','Under work comp laws, work comp benefits are the exclusive remedy of injured employees.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(454,21,'App\\Models\\Topic','Who may have a valid workers compensation claim?','An employee who is injured getting out of a car in the company parking lot is considered on site at the job and is eligible for benefits.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(455,21,'App\\Models\\Topic','An injured employee must notify his employer within how long after an injury to receive benefits?','An injured employee must report the injury to the employer within 30 days.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(456,21,'App\\Models\\Topic','All of the following are benefits covered by workers compensation in Texas EXCEPT:','Training for a new job (vocational rehabilitation) is provided for by the Department of Assistive Rehabilitative Services (DARS), a state agency.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(457,21,'App\\Models\\Topic','Generally, to receive compensation for a work related injury, a claim must be filed within:','The employee has 1 year from the date of injury to file a claim for work comp benefits.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(458,21,'App\\Models\\Topic','Under the workers compensation law, income benefits may NOT be paid for an injury unless the injury results in disability that lasts longer than:','Benefits provide disability income payments for an injured employee\'s loss of wages. Benefits begin on the 8th day after an initial waiting period of 1 week, but benefits will be paid retroactive to the beginning of the disability if the disability lasts for more than 2 weeks.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(459,21,'App\\Models\\Topic','Which of the following statements regarding workers compensation insurance is NOT correct?','Employers domiciled in Texas are NOT required to obtain workers compensation insurance coverage for their employees; coverage is elective.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(460,21,'App\\Models\\Topic','Which of the following is NOT an injury that would be covered by workers compensation?','Workers compensation does not cover all injuries that occur on the job. An employee who injures himself while intoxicated is not covered.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(461,21,'App\\Models\\Topic','An employee covered by workers compensation is entitled to all of the following health care services for an injury EXCEPT:','Workers compensation will cover cosmetic surgery, unless done solely for aesthetic reasons.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(462,21,'App\\Models\\Topic','What is the workers compensation burial benefit for a worker killed on the job?','The burial benefit for an employee killed on the job is $10,000 and is paid to the person incurring the expense.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(463,21,'App\\Models\\Topic','An employer must report an injury to the insurer within how many days?','An employer must notify the insurer of an injury to an employee within 8 days of being notified of such injury.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(464,21,'App\\Models\\Topic','The length of time for which an injured employee will receive workers compensation benefits depends on which of the following factors?','The nature of the injury will determine the length of time an injured employee will receive benefits.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(465,21,'App\\Models\\Topic','An insurer must initiate workers compensation benefits within how many days of being notified of an injury?','An insurer must begin paying benefits within 15 days of notification of an injury.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(466,21,'App\\Models\\Topic','Which of the following statements is not true of the Crime policy?','A Crime policy can be written either as a part of a package policy or monoline.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(467,21,'App\\Models\\Topic','The benefits paid under workers compensation are known as:','Since the states enact the benefits paid by law, they are known as statutory benefits.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(468,21,'App\\Models\\Topic','Suretyship is when:','A bond is written for a set limit and the surety will be liable only for this amount of the limit. This limit is referred to as the penalty and the payment of the penalty to the obligee is known as suretyship.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(469,21,'App\\Models\\Topic','Which of the following is not true of workers compensation?','Private insurers do not provide coverage in monopolistic states.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(470,21,'App\\Models\\Topic','An employer does not have to provide workers compensation to the employees of independent contractors. In which situation would a subcontractor\'s employee also be considered an employee of the business hiring the subcontractor?','To be considered an employee of an independent subcontractor, the worker must not be paid directly by the business hiring the subcontractor.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(471,21,'App\\Models\\Topic','A newly hired employee may be exempted from coverage under the employers workers compensation insurance if he rejects the coverage within how many days of hire?','A newly hired employee may reject coverage by workers compensation within 5 days of hire and be considered an exempt employee.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(472,21,'App\\Models\\Topic','Which of the following would not be considered an employer\'s common law defense against paying an injured employee\'s claim?','Improper instructions would be negligence on the part of the employer.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(473,21,'App\\Models\\Topic','In the workers compensation policy, employees temporarily operating in another state:','The Other States Insurance clause covers employees temporarily working in another state.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(474,21,'App\\Models\\Topic','Which is true of disability income benefits?','An employee is entitled to disability income benefits paid weekly as and when they accrue to replace a portion of an employee\'s average weekly wage for the 13 weeks prior to the injury.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(475,21,'App\\Models\\Topic','Survivor benefits are paid to the legal beneficiary:','An insurance carrier will pay death benefits to the legal beneficiary if a compensable injury to the employee results in death. These are paid weekly with no waiting period.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(476,21,'App\\Models\\Topic','Which of the following would not be considered an occupational disease?','Some occupational diseases are asbestosis, chemically induced cancers, black lung, etc., but they do not include an ordinary disease of life to which the general public is exposed outside of employment (stroke, diabetes, flu, etc.).','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(477,21,'App\\Models\\Topic','Which statement is not true in determining workers compensation insurance premiums?','An experience modification factor is developed by \"a rating bureau\" for each covered employer.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(478,21,'App\\Models\\Topic','Which statement is true of experience rating?','Experience rating is based on frequency of claims and not severity and is a way to punish unsafe employers and reward safe ones based on losses incurred (compared to like businesses) to encourage employers to create safe workplaces.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(479,21,'App\\Models\\Topic','The most common types of situations that would be covered under an Employers Liability policy include the following except:','Suits covered under an Employers Liability policy include those brought by \"family members\" for loss of consortium.','MEDIUM','MCQ','2023-05-23 10:40:37','2023-05-23 10:40:37'),
	(480,22,'App\\Models\\Topic','The type of insurance company in which the policyholder is considered an owner with the right to vote and share in the profits is:','A mutual insurance company is one in which the policyholder is considered an owner with the right to vote and share in the profits. Dividends are considered refunds of premium and are not taxable.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(481,22,'App\\Models\\Topic','Which type of company guarantees dividends?','The Texas Insurance Code does not allow dividends to be guaranteed.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(482,22,'App\\Models\\Topic','Insurance written on the producer’s own personal, family, or business interests is known as:','Insurance written on the producer’s own personal, family, or business interests is known as controlled business. A temporary agent may not write controlled business.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(483,22,'App\\Models\\Topic','The federal government regulates insurance:','The federal government cedes jurisdiction to the states and regulates insurance only to the extent that a state does not regulate it.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(484,22,'App\\Models\\Topic','Who writes the Insurance laws in Texas?','The Texas legislature writes the Insurance laws in Texas, known as the Texas Insurance Code. The TDI administers the Code.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(485,22,'App\\Models\\Topic','Which of the following is NOT true of a nonresident agent wanting to do business in Texas?','A nonresident agent must be licensed in his home state in good standing, obtain a Texas license, can sell insurance but not have an office in the state, and does not have to take the Texas exam or comply with Continuing Ed requirements.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(486,22,'App\\Models\\Topic','The number of Continuing Education hours for a person holding 2 different agents licenses is:','The number of Continuing Education hours for a person holding an agent\'s licenses is 24 every 2 years. The hour requirement does not increase with multiple licenses.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(487,22,'App\\Models\\Topic','The Texas Commissioner of Insurance may do all of the following EXCEPT:','The Texas Commissioner of Insurance nor the TDI writes insurance law. They administer the Code.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(488,22,'App\\Models\\Topic','Which of the following is considered an unfair claims practice?','Delaying settlement when liability is reasonably clear is considered an unfair CLAIMS practice.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(489,22,'App\\Models\\Topic','An individual or business which examines and assesses risks for persons or businesses seeking or renewing property and casualty insurance is called:','A risk manager is an individual or business which examines and assesses risks for persons or businesses seeking or renewing property and casualty insurance. They work for a fee, not commissions.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(490,22,'App\\Models\\Topic','Companies NOT licensed to do business in Texas that provide insurance to Texas residents are classified as:','Unauthorized (non-admitted, surplus lines) insurers are companies NOT licensed to do business in Texas with a Certificate of Authority that do provide insurance to Texas residents. They must be on the TDI list of approved surplus lines insurers.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(491,22,'App\\Models\\Topic','Which of the following is a requirement for a temporary insurance license?','The requirements for a temporary insurance license include the applicant must be sponsored by an agent or insurer and complete training within 14 days of application filing.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(492,22,'App\\Models\\Topic','Making a misrepresentation to get someone to lapse a policy is considered:','Making a misrepresentation to get someone to lapse a policy is considered twisting and is a prohibited marketing practice.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(493,22,'App\\Models\\Topic','In the event of a total loss by fire of real property in Texas, the policyholder is entitled to be paid the full policy amount. What is this called?','In the event of a total loss by fire of real property in Texas, the Code entitles the policyholder to be paid the full policy amount as a liquidated demand. Therefore, Texas fire policies are valued policies.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(494,22,'App\\Models\\Topic','Which of the following acts is considered an unfair or deceptive act or practice?','Providing for the payment of part of the agent’s commission to the insured is considered rebating and is an unfair or deceptive act or marketing practice.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(495,22,'App\\Models\\Topic','General duties of the Commissioner of the TDI include all of the following EXCEPT:','The Commissioner of the TDI does not assess criminal, but civil, penalties. Known criminal acts will be reported to law enforcement officials within 30 days.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(496,22,'App\\Models\\Topic','All of the following insurance companies operate in Texas under a Certificate of Authority EXCEPT:','Nonadmitted (unauthorized) insurance companies do not operate in Texas under a Certificate of Authority.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(497,22,'App\\Models\\Topic','Under the National Flood Insurance Plan (NFIP), which of the following would be a covered loss?','Under the National Flood Insurance Plan (NFIP), water damage after a heavy rain from the runoff of surface waters covering 2 or more acres of normally dry land or 2 or more properties, one of which is the insured\'s property, would be a covered loss.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(498,22,'App\\Models\\Topic','To obtain insurance through the Texas Automobile Insurance Plan Association (TAIPA), an applicant and his agent must certify that the applicant:','To obtain insurance through the Texas Automobile Insurance Plan Association (TAIPA), an applicant and his agent must certify that the applicant has been rejected for insurance by at least 2 licensed insurers actually writing auto insurance in the state.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(499,22,'App\\Models\\Topic','Which of the following statements concerning the Texas Property &amp; Casualty Insurance Guaranty Association is NOT correct?','The Texas Property &amp; Casualty Insurance Guaranty Association is divided into 3 separate accounts.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(500,22,'App\\Models\\Topic','Which organization is considered the insurer of last resort for workers’ compensation in Texas?','Texas Mutual Insurance Company, created by the state legislature, is considered the insurer of last resort for workers’ compensation in Texas.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(501,22,'App\\Models\\Topic','Which is NOT true about the Texas Medical Liability Insurance Underwriting Association (JUA)?','The Texas Medical Liability Insurance Underwriting Association (JUA) has a Certificate of Authority (admitted or authorized carrier), writes medical malpractice insurance, and writes premises liability for a doctor’s office.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(502,22,'App\\Models\\Topic','Which of the following is NOT a flood?','Erosion along a lakeshore is NOT a flood.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(503,22,'App\\Models\\Topic','The following property is NOT covered under a Texas Windstorm Association policy EXCEPT:','Property outside is NOT covered under a Texas Windstorm Association policy. The policy covers \"contents,\" not \"personal property.\"','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(504,22,'App\\Models\\Topic','The Texas FAIR Plan insures property designated by the Commissioner:','The Texas FAIR Plan insures property in underserved areas designated by the Commissioner by ZIP code.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(505,22,'App\\Models\\Topic','Each of the following departments of federal government participate in designating a terroristic event as an official act of terrorism EXCEPT:','Each of the following departments of federal government participate in designating a terroristic event as an official act of terrorism: Secretary of Homeland Security (formerly Secretary of State), US Attorney General, and Secretary of the Treasury.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(506,22,'App\\Models\\Topic','The Commissioner of Insurance is appointed by the governor for how many years?','The Commissioner of Insurance in Texas is appointed by the governor for 2 years and is approved by the senate in odd numbered years.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(507,22,'App\\Models\\Topic','The Commissioner must have at least how many years experience in business or government?','The Commissioner must have at least 5 years experience in business or government and may have no financial interest in an insurance company.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(508,22,'App\\Models\\Topic','The Commissioner must provide a surety bond for what amount?','The Commissioner must provide a surety bond in the amount of $50,000.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(509,22,'App\\Models\\Topic','State fees in excess of what amount must be submitted by electronic transfer?','State fees in excess of $500,000 must be submitted by electronic transfer.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(510,22,'App\\Models\\Topic','Persons who receive an inquiry from the TDI must respond in how many days?','Persons must respond to Commissioner/TDI Inquiries within 15 days.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(511,22,'App\\Models\\Topic','Admitted insurer companies must be examined at least once every how many years?','Insurers must be examined at least once every 5 years. Newly admitted carriers will be examined at least once a year or as often as necessary.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(512,22,'App\\Models\\Topic','The TDI must send notice of any violation within how many days of its findings?','The TDI must send notice of any violation within 14 days of its findings.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(513,22,'App\\Models\\Topic','Responses to the TDI from alleged violators must be within how many days of receipt of notice?','Responses to the TDI from alleged violators must be within 15 days of receipt of notice.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(514,22,'App\\Models\\Topic','The maximum fine for Code violations is what amount?','The maximum fine for violations of the Texas Insurance Code is $25,000.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(515,22,'App\\Models\\Topic','Civil penalties and fines by the TDI will range from:','Civil penalties and fines by the TDI will range from $50 to $500.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(516,22,'App\\Models\\Topic','If the TDI issues a cease and desist order, fines can vary from how much each violation to a maximum of how much in total?','If the TDI issues a cease and desist order, fines can vary from $1,000 each violation to a maximum of $5,000.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(517,22,'App\\Models\\Topic','How old must an applicant for an insurance license be in Texas?','The minimum age for an applicant for an insurance license be in Texas is 18. No education requirement is required.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(518,22,'App\\Models\\Topic','If a license is revoked or denied, what is the waiting period to reapply?','If an agent\'s license is revoked or denied, the waiting period to reapply is 5 years.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(519,22,'App\\Models\\Topic','Which of the following is TRUE of a temporary license?','A temporary license is issued for 180 days and may be renewed once after a 90 day waiting period.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(520,22,'App\\Models\\Topic','Mary\'s husband had a stroke and she is needed to run his agency until a buyer can be found. Which type of license does she need?','An emergency may be issued by the TDI for 90 days to a relative of an agent that suffers a disability or death. It may be renewed one time.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(521,22,'App\\Models\\Topic','Which is an incorrect statement?','The licenses of businesses licensed as agents renew every 2 years after the license is first issued. Individual agent licenses are renewed every 2 years based on their birth year (even/odd numbered birth years renew in even/odd numbered years).','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(522,22,'App\\Models\\Topic','Which of the following is an incorrect statement?',NULL,'MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(523,22,'App\\Models\\Topic','Which of the following is a correct statement?','Changes of address, felony convictions, or administrative actions must be reported to the Commissioner/TDI within 30 days. Addresses must be a physical address (no PO boxes).','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(524,22,'App\\Models\\Topic','Which of the following is an incorrect statement?','Continuing Education records must be kept for 4 years.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(525,22,'App\\Models\\Topic','The following is true of controlled business EXCEPT:','Controlled Business is insurance written on the agent, the agent’s family, and agent\'s business associates. It is an Unfair Trade Practice if less than 25% of an agent’s annual premiums is from persons other than Controlled Business.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(526,22,'App\\Models\\Topic','Which of the following is NOT true?','Suspected fraudulent acts must be reported to the Commissioner within 30 days.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(527,22,'App\\Models\\Topic','Which of the following is true of Personal Lines policies (auto, HO, etc.)?','60-days A Personal Lines policy (auto, HO, etc.) may be cancelled within the first __ days for any reason. Notices of Cancellation and Nonrenewal for personal lines policies are: 10-days __ days in advance for cancellation 30-days __ days in advance for nonrenewal','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(528,22,'App\\Models\\Topic','The Texas Fair Access to Insurance Requirements (FAIR) Plan provides residential property insurance when coverage is unavailable in other markets (2 declinations) or when there has been no insurance on the property in the past how many months?','The Texas Fair Access to Insurance Requirements (FAIR) Plan provides residential property insurance when coverage is unavailable in other markets (2 declinations) or when there has been no insurance on the property in the past 6 months.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(529,22,'App\\Models\\Topic','Which is true of Commercial lines?','Commercial Lines policies may be canceled for any reason within the first 90 days of the policy. Notices of Cancellation or Nonrenewal for commercial lines are 10 days in advance for cancellation and 60 days in advance for nonrenewal. An insurer may always cancel for nonpayment with a 10 day written notice.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(530,22,'App\\Models\\Topic','Which of the following statements is NOT true of the Texas Auto Insurance Plan Association (TAIPA)?','To obtain insurance through the association, an applicant and the servicing agent must certify that the applicant has been rejected for insurance by at least 2 authorized auto insurers.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(531,22,'App\\Models\\Topic','An employee may waive being covered by workers\' compensation if notice is given within how many days of being hired?','An employee may waive being covered by workers\' compensation (thus, retain the right to sue the employer for injuries) if notice is given within 5 days of being hired.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(532,22,'App\\Models\\Topic','Which statement about workers compensation is NOT true?','The burial costs benefit is paid to the person paying the burial expenses.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(533,22,'App\\Models\\Topic','All of the following are true EXCEPT:','The employee must notify the employer within 30 days after the injury.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(534,22,'App\\Models\\Topic','Which of the following is correct regarding the Property and Casualty Insurance Guaranty Association\'s maximum liability?','The Property and Casualty Insurance Guaranty Association\'s maximum liability is paid from 3 separate accounts as follows: 1. $25,000 for the return of unearned premium; 2. the full amount for worker\'s comp claims; 3. $300,000 per claimant for all other covered claims.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(535,22,'App\\Models\\Topic','The Gramm Leach Bliley Act involves all of the following except:','The GLBA does not regulate financial strength ratings.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(536,22,'App\\Models\\Topic','In the event of a premium increase based on an insured\'s credit, the Federal Credit Reporting Act mandates that:','The insurer did not prepare the credit report; therefore, the insured must turn to the credit bureau with any concerns.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40'),
	(537,22,'App\\Models\\Topic','According to the Terrorism Risk Insurance Program Reauthorization Act of 2015, which agency of government is NOT involved in declaring an act of violence as terrorism?','The Department of Homeland Security replaced the Secretary of State in this act.','MEDIUM','MCQ','2023-05-23 10:42:40','2023-05-23 10:42:40');



# Dump of table reviews
# ------------------------------------------------------------


CREATE TABLE `reviews` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `user_id` bigint unsigned DEFAULT NULL,
  `course_id` bigint unsigned DEFAULT NULL,
  `rating` int unsigned DEFAULT '0',
  `comments` text,
  `created_at` datetime DEFAULT NULL,
  `updated_at` datetime DEFAULT NULL,
  PRIMARY KEY (`id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb3;



# Dump of table role_has_permissions
# ------------------------------------------------------------


CREATE TABLE `role_has_permissions` (
  `permission_id` bigint unsigned NOT NULL,
  `role_id` bigint unsigned NOT NULL,
  PRIMARY KEY (`permission_id`,`role_id`),
  KEY `role_has_permissions_role_id_foreign` (`role_id`),
  CONSTRAINT `role_has_permissions_permission_id_foreign` FOREIGN KEY (`permission_id`) REFERENCES `permissions` (`id`) ON DELETE CASCADE,
  CONSTRAINT `role_has_permissions_role_id_foreign` FOREIGN KEY (`role_id`) REFERENCES `roles` (`id`) ON DELETE CASCADE
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;


INSERT INTO `role_has_permissions` (`permission_id`, `role_id`)
VALUES
	(1,1),
	(2,1),
	(3,1),
	(4,1),
	(5,1),
	(6,1),
	(7,1),
	(8,1),
	(9,1),
	(10,1),
	(11,1),
	(12,1),
	(13,1),
	(14,1),
	(15,1),
	(16,1);



# Dump of table roles
# ------------------------------------------------------------


CREATE TABLE `roles` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `name` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL,
  `description` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `guard_name` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL,
  `created_at` timestamp NULL DEFAULT NULL,
  `updated_at` timestamp NULL DEFAULT NULL,
  PRIMARY KEY (`id`),
  UNIQUE KEY `roles_name_guard_name_unique` (`name`,`guard_name`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;


INSERT INTO `roles` (`id`, `name`, `description`, `guard_name`, `created_at`, `updated_at`)
VALUES
	(1,'Admin','Admin with full access','sanctum','2023-03-05 08:22:54','2023-03-05 08:22:54');



# Dump of table sections
# ------------------------------------------------------------


CREATE TABLE `sections` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `title` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `url_title` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `course_id` bigint unsigned DEFAULT NULL,
  `description` text COLLATE utf8mb4_unicode_ci,
  `details` longtext COLLATE utf8mb4_unicode_ci,
  `settings` json DEFAULT NULL,
  `order` int DEFAULT '0',
  `created_at` timestamp NULL DEFAULT NULL,
  `updated_at` timestamp NULL DEFAULT NULL,
  `deleted_at` timestamp NULL DEFAULT NULL,
  PRIMARY KEY (`id`),
  KEY `sections_course_id_foreign` (`course_id`),
  CONSTRAINT `sections_course_id_foreign` FOREIGN KEY (`course_id`) REFERENCES `courses` (`id`) ON DELETE CASCADE
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;


INSERT INTO `sections` (`id`, `title`, `url_title`, `course_id`, `description`, `details`, `settings`, `order`, `created_at`, `updated_at`, `deleted_at`)
VALUES
	(1,'Provisions & Contract Law','provisions-contract-law-1',1,NULL,NULL,NULL,0,'2023-04-14 18:34:36','2023-04-14 18:34:36',NULL),
	(2,'Insurance Terms & Definitions','insurance-terms-definitions-2',1,NULL,NULL,NULL,0,'2023-04-14 18:34:36','2023-04-14 18:34:36',NULL),
	(3,'Commercial Property, BOP, Marine Insurance','commercial-property-bop-marine-insurance-3',1,NULL,NULL,NULL,0,'2023-04-14 18:34:36','2023-04-14 18:34:36',NULL),
	(4,'Property Policies, Dwelling & Homeowners','property-policies-dwelling-homeowners-4',1,NULL,NULL,NULL,0,'2023-05-23 10:26:06','2023-05-23 10:26:06',NULL),
	(5,'Property Policies, Dwelling & Homeowners','property-policies-dwelling-homeowners-5',1,NULL,NULL,NULL,0,'2023-05-23 10:27:31','2023-05-23 10:28:29','2023-05-23 10:28:29'),
	(6,'Personal Auto, Umbrella vs Excess','personal-auto-umbrella-vs-excess-6',1,NULL,NULL,NULL,0,'2023-05-23 10:33:30','2023-05-23 10:33:30',NULL),
	(7,'Commercial Liability & Business Auto','commercial-liability-business-auto-7',1,NULL,NULL,NULL,0,'2023-05-23 10:34:47','2023-05-23 10:34:47',NULL),
	(8,'Crime Insurance, Bonds & Workers Comp','crime-insurance-bonds-workers-comp-8',1,NULL,NULL,NULL,0,'2023-05-23 10:39:20','2023-05-23 10:39:20',NULL),
	(9,'MP3s','mp3s-9',1,NULL,NULL,NULL,0,'2023-05-23 10:41:10','2023-05-23 10:41:10',NULL),
	(10,'Texas Statutes & Rules','texas-statutes-rules-10',1,NULL,NULL,NULL,0,'2023-05-23 10:41:35','2023-05-23 10:41:35',NULL);



# Dump of table topics
# ------------------------------------------------------------


CREATE TABLE `topics` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `title` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `url_title` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `section_id` bigint unsigned DEFAULT NULL,
  `description` text COLLATE utf8mb4_unicode_ci,
  `details` json DEFAULT NULL,
  `settings` json DEFAULT NULL,
  `type` enum('MEDIA','QUIZ','CERTIFICATE','DOCUMENT','TEXT','CARDS','AUDIO','VIDEO') CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_ci DEFAULT 'VIDEO',
  `order` int DEFAULT '0',
  `created_at` timestamp NULL DEFAULT NULL,
  `updated_at` timestamp NULL DEFAULT NULL,
  `deleted_at` timestamp NULL DEFAULT NULL,
  PRIMARY KEY (`id`),
  KEY `topics_section_id_foreign` (`section_id`),
  CONSTRAINT `topics_section_id_foreign` FOREIGN KEY (`section_id`) REFERENCES `sections` (`id`) ON DELETE CASCADE
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;


INSERT INTO `topics` (`id`, `title`, `url_title`, `section_id`, `description`, `details`, `settings`, `type`, `order`, `created_at`, `updated_at`, `deleted_at`)
VALUES
	(13,'Provisions & Contract Law Quiz','provisions-contract-law-quiz-13',1,NULL,'{\"passing\": 70, \"duration\": 25, \"random_answers\": true, \"total_questions\": 25, \"random_questions\": true}',NULL,'QUIZ',3,'2023-04-14 18:34:36','2023-05-23 10:46:56',NULL),
	(14,'Insurance Terms & Definitions Quiz','insurance-terms-definitions-quiz-14',2,NULL,'{\"passing\": 70, \"duration\": 25, \"random_answers\": true, \"total_questions\": 25, \"random_questions\": true}',NULL,'QUIZ',1,'2023-04-14 18:34:36','2023-05-29 20:25:03',NULL),
	(15,'Commercial Property, BOP, Marine Insurance Quiz','commercial-property-bop-marine-insurance-quiz-15',3,NULL,'{\"passing\": 70, \"duration\": 25, \"random_answers\": true, \"total_questions\": 25, \"random_questions\": true}',NULL,'QUIZ',3,'2023-04-14 18:34:36','2023-05-23 18:34:10',NULL),
	(16,'Policy Provisions Video','policy-provisions-video-16',1,'Use in conjunction with the PDF.','{\"path\": \"408962396\", \"type\": \"VIMEO\"}',NULL,'VIDEO',0,'2023-04-14 18:34:36','2023-05-23 10:46:56',NULL),
	(17,'Policy Revisions PDF','policy-revisions-pdf-17',1,NULL,'{\"url\": \"documents/policy-revisions1684838928.pdf\", \"name\": \"policy-revisions1684838928.pdf\", \"size\": 773549, \"type\": \"application/pdf\", \"extension\": \"pdf\"}',NULL,'DOCUMENT',0,NULL,'2023-05-23 10:48:48',NULL),
	(18,'Property Policies Quiz','property-policies-quiz-18',4,NULL,'{\"passing\": \"70\", \"duration\": \"20\", \"random_answers\": \"true\", \"total_questions\": \"45\", \"random_questions\": \"true\"}',NULL,'QUIZ',3,'2023-05-23 10:30:59','2023-05-23 18:37:02',NULL),
	(19,'Personal Auto, Umbrella vs Excess Quiz','personal-auto-umbrella-vs-excess-quiz-19',6,NULL,'{\"passing\": \"70\", \"duration\": null, \"random_answers\": \"true\", \"total_questions\": \"15\", \"random_questions\": \"true\"}',NULL,'QUIZ',2,'2023-05-23 10:34:07','2023-05-23 18:39:36',NULL),
	(20,'Commercial Liability & Business Auto Quiz','commercial-liability-business-auto-quiz-20',7,NULL,'{\"passing\": \"70\", \"duration\": null, \"random_answers\": \"true\", \"total_questions\": \"200\", \"random_questions\": \"true\"}',NULL,'QUIZ',2,'2023-05-23 10:35:11','2023-05-23 18:42:19',NULL),
	(21,'Crime Insurance, Bonds & Workers Comp Quiz','crime-insurance-bonds-workers-comp-quiz-21',8,NULL,'{\"passing\": \"70\", \"duration\": null, \"random_answers\": \"true\", \"total_questions\": \"15\", \"random_questions\": \"true\"}',NULL,'QUIZ',3,'2023-05-23 10:39:51','2023-05-23 18:44:39',NULL),
	(22,'Texas Statutes Quiz','texas-statutes-quiz-22',10,NULL,'{\"passing\": \"70\", \"duration\": null, \"random_answers\": \"true\", \"total_questions\": \"15\", \"random_questions\": \"true\"}',NULL,'QUIZ',1,'2023-05-23 10:42:11','2023-05-23 19:22:24',NULL),
	(23,'Contract Law PDF','contract-law-pdf-23',1,NULL,'{\"url\": \"documents/activity-doc-15887752551684838716.pdf\", \"name\": \"activity-doc-15887752551684838716.pdf\", \"size\": 756102, \"type\": \"application/pdf\", \"extension\": \"pdf\"}',NULL,'DOCUMENT',1,'2023-05-23 10:45:16','2023-05-23 10:46:56',NULL),
	(24,'Contract Law Video','contract-law-video-24',1,NULL,'{\"path\": \"408961792\", \"type\": \"VIMEO\"}',NULL,'VIDEO',2,'2023-05-23 10:45:48','2023-05-23 10:46:56',NULL),
	(25,'Insurance Terms PDF','insurance-terms-pdf-25',2,NULL,'{\"url\": \"documents/insurance-terms1684839039.pdf\", \"name\": \"insurance-terms1684839039.pdf\", \"size\": 941766, \"type\": \"application/pdf\", \"extension\": \"pdf\"}',NULL,'DOCUMENT',0,'2023-05-23 10:50:39','2023-05-29 20:25:03',NULL),
	(26,'Insurance Terms & Definitions Video','insurance-terms-definitions-video-26',2,'Use in conjunction with the PDF','{\"path\": \"408961059\", \"type\": \"VIMEO\"}',NULL,'VIDEO',2,'2023-05-23 10:51:19','2023-05-29 20:25:03',NULL),
	(27,'Commercial Property PDF','commercial-property-pdf-27',3,'Corresponding audio located in MP3 section.',NULL,NULL,'DOCUMENT',0,'2023-05-23 18:31:42','2023-05-23 18:34:10',NULL),
	(28,'Business Owners Policy PDF','business-owners-policy-pdf-28',3,'Corresponding audio located in MP3 section.','{\"url\": \"documents/business-owners-policy1684866779.pdf\", \"name\": \"business-owners-policy1684866779.pdf\", \"size\": 833689, \"type\": \"application/pdf\", \"extension\": \"pdf\"}',NULL,'DOCUMENT',1,'2023-05-23 18:32:59','2023-05-23 18:34:10',NULL),
	(29,'Marine Insurance PDF','marine-insurance-pdf-29',3,'Corresponding audio located in MP3 section.','{\"url\": \"documents/commercial-marine1684866847.pdf\", \"name\": \"commercial-marine1684866847.pdf\", \"size\": 803713, \"type\": \"application/pdf\", \"extension\": \"pdf\"}',NULL,'DOCUMENT',2,'2023-05-23 18:34:07','2023-05-23 18:34:10',NULL),
	(30,'Property Policies PDF','property-policies-pdf-30',4,'Corresponding audio located in MP3 section.','{\"url\": \"documents/property-policies1684866924.pdf\", \"name\": \"property-policies1684866924.pdf\", \"size\": 990771, \"type\": \"application/pdf\", \"extension\": \"pdf\"}',NULL,'DOCUMENT',0,'2023-05-23 18:35:24','2023-05-23 18:37:02',NULL),
	(31,'Dwelling Policies PDF','dwelling-policies-pdf-31',4,'Corresponding audio located in MP3 section.','{\"url\": \"documents/dewelling-policies1684866972.pdf\", \"name\": \"dewelling-policies1684866972.pdf\", \"size\": 932032, \"type\": \"application/pdf\", \"extension\": \"pdf\"}',NULL,'DOCUMENT',1,'2023-05-23 18:36:12','2023-05-23 18:37:02',NULL),
	(32,'Homeowners Policies PDF','homeowners-policies-pdf-32',4,'Corresponding audio located in MP3 section.','{\"url\": \"documents/homeowners-policies1684867018.pdf\", \"name\": \"homeowners-policies1684867018.pdf\", \"size\": 1208039, \"type\": \"application/pdf\", \"extension\": \"pdf\"}',NULL,'DOCUMENT',2,'2023-05-23 18:36:58','2023-05-23 18:37:02',NULL),
	(33,'Personal Auto PDF','personal-auto-pdf-33',6,'Corresponding audio located in MP3 section.','{\"url\": \"documents/personal-auto-policy1684867103.pdf\", \"name\": \"personal-auto-policy1684867103.pdf\", \"size\": 1002189, \"type\": \"application/pdf\", \"extension\": \"pdf\"}',NULL,'DOCUMENT',0,'2023-05-23 18:38:23','2023-05-23 18:39:36',NULL),
	(34,'Umbrella vs Excess PDF','umbrella-vs-excess-pdf-34',6,'Corresponding audio located in MP3 section.','{\"url\": \"documents/umbrella-excess1684867164.pdf\", \"name\": \"umbrella-excess1684867164.pdf\", \"size\": 820286, \"type\": \"application/pdf\", \"extension\": \"pdf\"}',NULL,'DOCUMENT',1,'2023-05-23 18:39:24','2023-05-23 18:39:36',NULL),
	(35,'Commercial Liability PDF','commercial-liability-pdf-35',7,'Corresponding audio is located in MP3 section.','{\"url\": \"documents/commercial-liability1684867291.pdf\", \"name\": \"commercial-liability1684867291.pdf\", \"size\": 1003922, \"type\": \"application/pdf\", \"extension\": \"pdf\"}',NULL,'DOCUMENT',0,'2023-05-23 18:41:31','2023-05-23 18:42:19',NULL),
	(36,'Business Auto PDF','business-auto-pdf-36',7,'Corresponding audio located in MP3 section.','{\"url\": \"documents/business-auto-policy1684867335.pdf\", \"name\": \"business-auto-policy1684867335.pdf\", \"size\": 886869, \"type\": \"application/pdf\", \"extension\": \"pdf\"}',NULL,'DOCUMENT',1,'2023-05-23 18:42:15','2023-05-23 18:42:19',NULL),
	(37,'Crime Insurance & Bonds PDF','crime-insurance-bonds-pdf-37',8,'Use with mp3','{\"url\": \"documents/crime-insurance-bonds1684867388.pdf\", \"name\": \"crime-insurance-bonds1684867388.pdf\", \"size\": 990015, \"type\": \"application/pdf\", \"extension\": \"pdf\"}',NULL,'DOCUMENT',0,'2023-05-23 18:43:08','2023-05-23 18:44:39',NULL),
	(38,'Crime Insurance & Bonds Video','crime-insurance-bonds-video-38',8,'Use in conjunction with the PDF.','{\"path\": \"408962030\", \"type\": \"VIMEO\"}',NULL,'VIDEO',1,'2023-05-23 18:43:33','2023-05-23 18:44:39',NULL),
	(39,'Workers Comp PDF','workers-comp-pdf-39',8,'Corresponding audio is in MP3 section.','{\"url\": \"documents/workers-compensation1684867463.pdf\", \"name\": \"workers-compensation1684867463.pdf\", \"size\": 953211, \"type\": \"application/pdf\", \"extension\": \"pdf\"}',NULL,'DOCUMENT',2,'2023-05-23 18:44:23','2023-05-23 18:44:39',NULL),
	(40,'Texas Statutes','texas-statutes-40',9,'Listen on the go.','{\"url\": \"audios/texas-statues1684868689.mp3\", \"name\": \"texas-statues1684868689.mp3\", \"size\": 24250232, \"type\": \"audio/mpeg\", \"extension\": \"mp3\"}',NULL,'AUDIO',1,'2023-05-23 19:04:49','2023-05-23 19:04:49',NULL),
	(41,'Homeowners Policies','homeowners-policies-41',9,'Use with PDF','{\"url\": \"audios/homeowners-policies1684868810.mp3\", \"name\": \"homeowners-policies1684868810.mp3\", \"size\": 41944793, \"type\": \"audio/mpeg\", \"extension\": \"mp3\"}',NULL,'AUDIO',2,'2023-05-23 19:06:50','2023-05-23 19:06:50',NULL),
	(42,'Insurance Terms','insurance-terms-42',9,'Listen on the go.','{\"url\": \"audios/insurance-terms1684868871.mp3\", \"name\": \"insurance-terms1684868871.mp3\", \"size\": 30691214, \"type\": \"audio/mpeg\", \"extension\": \"mp3\"}',NULL,'AUDIO',3,'2023-05-23 19:07:51','2023-05-23 19:07:51',NULL),
	(43,'Provisions','provisions-43',9,'Listen on the go','{\"url\": \"audios/provisions1684868914.mp3\", \"name\": \"provisions1684868914.mp3\", \"size\": 8228258, \"type\": \"audio/mpeg\", \"extension\": \"mp3\"}',NULL,'AUDIO',4,'2023-05-23 19:08:34','2023-05-23 19:08:34',NULL),
	(44,'Contract Law','contract-law-44',9,'Listen on the go.','{\"url\": \"audios/contract-law1684868956.mp3\", \"name\": \"contract-law1684868956.mp3\", \"size\": 11266103, \"type\": \"audio/mpeg\", \"extension\": \"mp3\"}',NULL,'AUDIO',5,'2023-05-23 19:09:16','2023-05-23 19:09:16',NULL),
	(45,'Dwelling Policies','dwelling-policies-45',9,'Listen on the go.','{\"url\": \"audios/dwelling-policies1684869022.mp3\", \"name\": \"dwelling-policies1684869022.mp3\", \"size\": 21709868, \"type\": \"audio/mpeg\", \"extension\": \"mp3\"}',NULL,'AUDIO',6,'2023-05-23 19:10:22','2023-05-23 19:10:22',NULL),
	(46,'Personal Auto Policies','personal-auto-policies-46',9,'Listen on the go.','{\"url\": \"audios/personal-auto-policies1684869105.mp3\", \"name\": \"personal-auto-policies1684869105.mp3\", \"size\": 33481361, \"type\": \"audio/mpeg\", \"extension\": \"mp3\"}',NULL,'AUDIO',7,'2023-05-23 19:11:45','2023-05-23 19:11:45',NULL),
	(47,'Umbrella vs. Excess Policies','umbrella-vs-excess-policies-47',9,'Listen on the go.','{\"url\": \"audios/umbrella-excess-policies1684869171.mp3\", \"name\": \"umbrella-excess-policies1684869171.mp3\", \"size\": 25443686, \"type\": \"audio/mpeg\", \"extension\": \"mp3\"}',NULL,'AUDIO',8,'2023-05-23 19:12:51','2023-05-23 19:12:51',NULL),
	(48,'Commercial Property Policies','commercial-property-policies-48',9,'Listen on the go.','{\"url\": \"audios/commercial-property-policies1684869261.mp3\", \"name\": \"commercial-property-policies1684869261.mp3\", \"size\": 30946418, \"type\": \"audio/mpeg\", \"extension\": \"mp3\"}',NULL,'AUDIO',9,'2023-05-23 19:14:21','2023-05-23 19:14:21',NULL),
	(49,'Business Owners Policies','business-owners-policies-49',9,'Listen on the go.','{\"url\": \"audios/business-owners-policies1684869308.mp3\", \"name\": \"business-owners-policies1684869308.mp3\", \"size\": 9827453, \"type\": \"audio/mpeg\", \"extension\": \"mp3\"}',NULL,'AUDIO',10,'2023-05-23 19:15:08','2023-05-23 19:15:08',NULL),
	(50,'Marine Insurance','marine-insurance-50',9,'Listen on the go.','{\"url\": \"audios/marine-insurance1684869387.mp3\", \"name\": \"marine-insurance1684869387.mp3\", \"size\": 14488262, \"type\": \"audio/mpeg\", \"extension\": \"mp3\"}',NULL,'AUDIO',11,'2023-05-23 19:16:27','2023-05-23 19:16:27',NULL),
	(51,'Commercial Liability Policies','commercial-liability-policies-51',9,'Listen on the go.','{\"url\": \"audios/commercial-liability-policies1684869446.mp3\", \"name\": \"commercial-liability-policies1684869446.mp3\", \"size\": 29055740, \"type\": \"audio/mpeg\", \"extension\": \"mp3\"}',NULL,'AUDIO',12,'2023-05-23 19:17:26','2023-05-23 19:17:26',NULL),
	(52,'Property Policies','property-policies-52',9,'Listen on the go.','{\"url\": \"audios/property-policies1684869502.mp3\", \"name\": \"property-policies1684869502.mp3\", \"size\": 19907594, \"type\": \"audio/mpeg\", \"extension\": \"mp3\"}',NULL,'AUDIO',13,'2023-05-23 19:18:22','2023-05-23 19:18:22',NULL),
	(53,'Business Auto Policies','business-auto-policies-53',9,'Listen on the go.','{\"url\": \"audios/business-auto-policies1684869561.mp3\", \"name\": \"business-auto-policies1684869561.mp3\", \"size\": 13706804, \"type\": \"audio/mpeg\", \"extension\": \"mp3\"}',NULL,'AUDIO',14,'2023-05-23 19:19:21','2023-05-23 19:19:21',NULL),
	(54,'Crime & Bonds Policies','crime-bonds-policies-54',9,'Listen on the go.','{\"url\": \"audios/crime-bonds-policies1684869614.mp3\", \"name\": \"crime-bonds-policies1684869614.mp3\", \"size\": 11548412, \"type\": \"audio/mpeg\", \"extension\": \"mp3\"}',NULL,'AUDIO',15,'2023-05-23 19:20:15','2023-05-23 19:20:15',NULL),
	(55,'Workers Comp','workers-comp-55',9,'Listen on the go.','{\"url\": \"audios/workers-comp1684869664.mp3\", \"name\": \"workers-comp1684869664.mp3\", \"size\": 20666117, \"type\": \"audio/mpeg\", \"extension\": \"mp3\"}',NULL,'AUDIO',16,'2023-05-23 19:21:04','2023-05-23 19:21:04',NULL),
	(56,'Texas Statutes PDF','texas-statutes-pdf-56',10,'Use with mp3','{\"url\": \"documents/texas-statutes-pdf1684869741.pdf\", \"name\": \"texas-statutes-pdf1684869741.pdf\", \"size\": 1454192, \"type\": \"application/pdf\", \"extension\": \"pdf\"}',NULL,'DOCUMENT',0,'2023-05-23 19:22:21','2023-05-23 19:22:24',NULL);



# Dump of table transactions
# ------------------------------------------------------------


CREATE TABLE `transactions` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `type` enum('COURSE','PLAN','OTHER') COLLATE utf8mb4_unicode_ci DEFAULT 'COURSE',
  `charge_id` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `sub_total` decimal(12,2) DEFAULT '0.00',
  `discount` decimal(12,2) DEFAULT '0.00',
  `total` decimal(12,2) DEFAULT '0.00',
  `transactable_id` bigint unsigned DEFAULT NULL,
  `transactable_type` varchar(100) CHARACTER SET utf8mb4 COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `user_id` bigint unsigned DEFAULT NULL,
  `discount_id` bigint unsigned DEFAULT NULL,
  `status` enum('SUCCESS','PENDING') COLLATE utf8mb4_unicode_ci DEFAULT 'SUCCESS',
  `details` json DEFAULT NULL,
  `created_at` timestamp NULL DEFAULT NULL,
  `updated_at` timestamp NULL DEFAULT NULL,
  `deleted_at` timestamp NULL DEFAULT NULL,
  PRIMARY KEY (`id`),
  KEY `transactions_course_id_foreign` (`transactable_id`),
  KEY `transactions_plan_id_foreign` (`transactable_type`),
  KEY `transactions_user_id_foreign` (`user_id`),
  KEY `transactions_discount_id_foreign` (`discount_id`),
  CONSTRAINT `transactions_discount_id_foreign` FOREIGN KEY (`discount_id`) REFERENCES `discounts` (`id`) ON DELETE CASCADE,
  CONSTRAINT `transactions_user_id_foreign` FOREIGN KEY (`user_id`) REFERENCES `users` (`id`) ON DELETE CASCADE
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;


INSERT INTO `transactions` (`id`, `type`, `charge_id`, `sub_total`, `discount`, `total`, `transactable_id`, `transactable_type`, `user_id`, `discount_id`, `status`, `details`, `created_at`, `updated_at`, `deleted_at`)
VALUES
	(1,'COURSE','ch_3N9OPvFpVAce7qRK1mBEc5LB',169.00,0.00,169.00,1,'App\\Models\\Enrollment',9,NULL,'SUCCESS',NULL,'2023-05-19 08:12:04','2023-05-19 08:12:04',NULL),
	(2,'COURSE','ch_3NC6dfFpVAce7qRK1lDTGDDx',169.00,0.00,169.00,2,'App\\Models\\Enrollment',10,NULL,'SUCCESS',NULL,'2023-05-26 19:49:28','2023-05-26 19:49:28',NULL),
	(3,'COURSE','901ee39a-7c39-4fec-81f4-f1ddf3f11f8f',169.00,169.00,0.00,4,'App\\Models\\Enrollment',11,3,'SUCCESS',NULL,'2023-05-28 08:55:00','2023-05-28 08:55:00',NULL);



# Dump of table user_progress
# ------------------------------------------------------------


CREATE TABLE `user_progress` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `user_id` bigint unsigned DEFAULT NULL,
  `topic_id` bigint unsigned DEFAULT NULL,
  `time` double DEFAULT '0',
  `percentage` int DEFAULT '0',
  `details` json DEFAULT NULL,
  `created_at` datetime DEFAULT NULL,
  `updated_at` datetime DEFAULT NULL,
  `deleted_at` datetime DEFAULT NULL,
  PRIMARY KEY (`id`),
  KEY `user_id` (`user_id`),
  KEY `topic_id` (`topic_id`),
  CONSTRAINT `user_progress_ibfk_1` FOREIGN KEY (`user_id`) REFERENCES `users` (`id`) ON DELETE CASCADE,
  CONSTRAINT `user_progress_ibfk_2` FOREIGN KEY (`topic_id`) REFERENCES `topics` (`id`) ON DELETE CASCADE
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb3;



# Dump of table users
# ------------------------------------------------------------


CREATE TABLE `users` (
  `id` bigint unsigned NOT NULL AUTO_INCREMENT,
  `first_name` varchar(100) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `last_name` varchar(100) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `email` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL,
  `phone` varchar(100) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `password` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `hash` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `asset_id` bigint unsigned DEFAULT NULL,
  `type` enum('MANAGER','PARTNER','STUDENT','INSTRUCTOR') COLLATE utf8mb4_unicode_ci DEFAULT 'STUDENT',
  `status` enum('ACTIVE','INACTIVE','SUSPENDED','BLOCKED') COLLATE utf8mb4_unicode_ci DEFAULT 'ACTIVE',
  `ip_signup` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `remember_token` varchar(100) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `email_verified_at` timestamp NULL DEFAULT NULL,
  `is_admin` tinyint(1) DEFAULT '0',
  `created_at` timestamp NULL DEFAULT NULL,
  `updated_at` timestamp NULL DEFAULT NULL,
  `deleted_at` timestamp NULL DEFAULT NULL,
  PRIMARY KEY (`id`),
  UNIQUE KEY `users_email_unique` (`email`),
  KEY `users_asset_id_foreign` (`asset_id`),
  CONSTRAINT `users_asset_id_foreign` FOREIGN KEY (`asset_id`) REFERENCES `assets` (`id`) ON DELETE SET NULL
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;


INSERT INTO `users` (`id`, `first_name`, `last_name`, `email`, `phone`, `password`, `hash`, `asset_id`, `type`, `status`, `ip_signup`, `remember_token`, `email_verified_at`, `is_admin`, `created_at`, `updated_at`, `deleted_at`)
VALUES
	(1,'ExamTx','Admin','admin@examtx.com',NULL,'$2y$10$3073GywvCcJTYFN9n05ICOIk0BNTNOv8BT/kWtd3xGxzPrDAnRPGu',NULL,NULL,'MANAGER','ACTIVE',NULL,NULL,NULL,1,'2023-03-04 11:44:35','2023-03-04 11:44:35',NULL),
	(9,'Student','TX','student@examtx.com','03434343434','$2y$10$ElxctiywNP8mUW39daqiCuU/4.89MuRH/dIu5ihhBMstfbdYZydiK',NULL,NULL,'STUDENT','ACTIVE',NULL,NULL,NULL,0,'2023-04-11 19:59:18','2023-04-11 19:59:18',NULL),
	(10,'John','Smith','awaissahmed@gmail.com',NULL,'$2y$10$tmvwsYoOxSCsnjOS8.lrNeAyajthaGa0es1bErLX8s1wCxFgNnwaW','902167',NULL,'STUDENT','ACTIVE',NULL,NULL,NULL,0,'2023-05-24 20:13:16','2023-06-19 11:48:34',NULL),
	(11,'Yahya','Ahmed','yahya.ehmad@gmail.com',NULL,'$2y$10$r5Lef8KaeG2m7cjQdFAzPeU92Ey9ukhCHzdlf9BV7Oh5CjDLBGO1.',NULL,NULL,'STUDENT','ACTIVE',NULL,NULL,NULL,0,'2023-05-28 07:02:00','2023-05-28 07:02:00',NULL);




