30. Nonrenewal
31. Vacancy and unoccupancy
32. Right of salvage
33. Abandonment
34. Negligence
B. Policy provisions
1. Elements of a contract
2. Declarations
3. Insuring agreement
4. Sources of insurability information
5. Conditions
6. Exclusions
7. Limitations
8. Warranties, representations, and concealment
a. Warranty
b. Affirmative
9. Promissory
10. Breach of warranty
11. Concealment
12. Binders
13. Definition of the insured
14. Duties of the insured
15. Obligations of the insurance company
16. Mortgagee rights
17. Cancellation and nonrenewal provisions
18. Supplementary payment (additional coverages)
19. Proof of loss
20. Notice of claim
21. Appraisal
22. Assignment
23. Arbitration
24. Pro rata liability (other insurance)
25. Salvage
26. Consent to settle a loss
27. Subrogation
28. Compliance with provisions of Fair Credit
Reporting Act
C. Types of policies and related terms
1. Automobile Insurance – personal & family auto
a. Bodily injury
b. Property damage
c. Limits
(1) Split
(2) Single
d. Medical payments
e. Supplementary payments
f. Physical damage
(1) Collision
(2) Comprehensive
g. Uninsured motorist
h Underinsured motorist
i. Named insureds
j. Insureds
k. Owned automobile
L. Nonowned automobile
m. Temporary substitute auto
n. Hired auto
o. Cancellation and nonrenewal
p. Towing and labor
q. Personal auto policy
r. Family auto policy
2. Personal Watercraft
3. Standard fire
4. Personal lines
a. Dwelling (DP forms)
b. Homeowners (HO) forms
c. Mobile homes
5. Homeowners policy
6. Farm and ranch insurance
7. Flood insurance
8. Inland marine - Personal floaters
9. Earthquake insurance
10. Personal Umbrella/excess liability
V. Wisconsin Property and Casualty Insurance Law — 2 Hours
A. General rate standards
B. Prohibited classification of risks
C. Surplus lines
1. Definition
2. Prohibitions and restrictions
3. Responsibilities of agents and brokers
D. Oral contracts
E. Automobile liability
1. Financial responsibility
a. Definition
b. Persons required to show proof
2. Required coverages and prohibited exclusions
a. Uninsured motorist
3. Cancellation or nonrenewal
4. Responsibility for minors operating motor vehicles
5. Wisconsin Automobile Insurance Plan
