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% Document Info
\author{srusden}
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  /Title (p-c.pdf)
  /Creator (Cheatography)
  /Author (srusden)
  /Subject (P\&C Cheat Sheet)
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\noindent
\begin{multicols}{3}
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    {\parbox{\dimexpr\textwidth-2\fboxsep\relax}{\noindent
        \hspace*{-6pt}\includegraphics[width=5.8cm]{/web/www.cheatography.com/public/images/cheatography_logo.pdf}}
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    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{P\&C Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{srusden} via \textcolor{DarkBackground}{\uline{cheatography.com/203860/cs/43451/}}}
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  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}srusden \\
  \uline{cheatography.com/srusden} \\
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Not Yet Published.\\
   Updated 21st May, 2024.\\
   Page {\thepage} of \pageref{LastPage}.
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  Measure your website readability!\\
  www.readability-score.com
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\begin{multicols*}{3}

\begin{tabularx}{5.377cm}{p{0.4977 cm} p{0.4977 cm} }
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\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Homeowners Policies}}  \tn
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\mymulticolumn{2}{x{5.377cm}}{HO-1 \newline basic policy; standard insurance against perils \newline HO-2 Named/named  \newline broad form policy \newline HO-3 Open/named \newline special form policy \newline HO-5 OPEN/OPEN (Trees at \$500) \newline comprehensive form \newline HO-8 (trees at \$250) \newline Historic/Modified market value policy; w/cash value coverage \newline HO-4 \newline Renters, tenants or cooperative owners policies \newline HO-6 \newline condominium owners policies \newline HO-3 is most widely used and covers all forms of loss except those specifically excluded}  \tn 
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\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{AUTO PAP 6 Parts}}  \tn
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\mymulticolumn{2}{x{5.377cm}}{A- Liability  \newline B- Medical Payments \newline C- UM/UIM \newline D- Damages Collison+Other than collision (animals nature) \newline E- Duties after loss \newline F- General Provisions \newline  \newline Max amount insurer will pay you will add Total BI+Total PD ex 25/50/25 add last 2 =75}  \tn 
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\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Fair Credit Act - Consumer Reports}}  \tn
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\mymulticolumn{2}{x{5.377cm}}{-Insurance company cannot use negative info 7+ yrs \newline -Cannot look up bankruptcy 10+ years old \newline - If insurer wants to investigate must tell 3 days and show 5 days \newline -If insurance company/agent violates FCRA can be fined \$2500}  \tn 
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\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Coinsurance}}  \tn
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\mymulticolumn{2}{x{5.377cm}}{25/50/15 Arizona \newline Insured at 200k, repair 300k, 80\% with 60k loss?-49,500 \newline -\$2.5k per year limit for electronic data under bus and personal \newline -Limit on pollutant clean up and removal- \$10k 25\% debris  \newline -500\$ standard BOP deductible \newline -10 days canceling nonpayment \newline -25k damage, billed 1k, form 500k w/ 5k ded?-\$21k}  \tn 
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\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CGL and Commerical Auto}}  \tn
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\mymulticolumn{2}{x{5.377cm}}{Symbols: Business auto 1-9 \newline Garage 20-31 + Garage keeper \newline Motor Carrier/Trucker 40-50 \newline any one of these policies you can add Business Auto Physical Damage  \newline  \newline -Comprehensive (anything that happens other than collision) \newline -Specified Cause of Loss- (fire, lightening, explosion, etc) \newline -Collision Coverage- (hitting something) \newline -Towing (money to have it towed if it breaks down) \newline -Glass/Bird/Missiles}  \tn 
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\mymulticolumn{2}{x{5.377cm}}{Property I \newline A -Dwelling coverage \newline B- Other structures coverage (10\% of A) (shed and garage fence) \newline C- Contents- personal property coverage (50\% can increase 75\% of A) (Firearms/ furs 2500) \newline D- loss of use \newline LIABILITY Section II \newline E- Personal liability coverage \newline F- Medical payments coverage \newline 2,4,6,8 Named Perils (fire wind hail) \newline 3,5 Open Perils covers everything NOT excluded \newline HO 5 Open/Open Mysterious Items}  \tn 
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\mymulticolumn{2}{x{5.377cm}}{{\emph{Agreement(offer and acceptance) }}Consideration(both must bring value) {\emph{Competent parties(old enough and know what doing }}Legal purposes (cannot break law) \newline  \newline Agreement: Known as Offer and Acceptance  \newline Offer=Customer submits and application \newline Acceptance=insurer issues policy \newline  \newline Consideration: Both parties bring something of value \newline Consideration on the side of the insured =Application + Premium  \newline Consideration on the side of the insurer= promise to pay a claim)}  \tn 
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\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{BONDS}}  \tn
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\mymulticolumn{2}{x{5.377cm}}{Bonds are a way of making a promise to pay- Promise you will do the work \newline -The company sells the bond to the contractor and who will pay out if cont. fails is the 'Guarantor' or Surety \newline -The customer whos kitchen is being repaired \& will be paid in bond if cont. fails is the 'Obligee' or Insured \newline 2 TYPES of Bonds \newline Surety- Guarantees performance of contractor \newline Fidelity Bond- Guarantees person is trust-worthy}  \tn 
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\mymulticolumn{2}{x{5.377cm}}{-National Flood Ins Prog provides removal coverage for property removed 45 DAYS \newline -Medical paym. to others for treating an accidental injury covered 3 YRS \newline -Insurer owes money to the insured- 60 DAYS \newline -LIBEL is not an element of negligence \newline -Discovery period for coverage of losses under dishonesty optional coverage? 1 YR \newline -Insurance result of agreement or identity between subscribers - RECIPROCAL \newline -Common law defenses for neg. liability EXCEPT- STRICT}  \tn 
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\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Comparative Contributory}}  \tn
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\mymulticolumn{2}{x{5.377cm}}{-Contributory- being a fault in anyway, you cannot hold another party liable.  \newline -Occurrence: policy thats active during the occurrence pays \newline -Claims Made: the policy thats active when the claim was filed is the one that will pay}  \tn 
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\begin{tabularx}{5.377cm}{p{0.4977 cm} p{0.4977 cm} }
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\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{DWELLING}}  \tn
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\mymulticolumn{2}{x{5.377cm}}{A- Dwelling \newline B- Other Structures (shed, gazebo 10\%) \newline C- Contents (must be added) Flat amount \newline D- Fair Rental Value(rent) \newline E- Additional Living Expenses (D\&E 20\%of A) Not on D1 \newline -Property \& Liability can be added for add.premium \newline -NO Water damage/Earth movement - Earthquake \newline  \newline DP1- BASIC 3 perils(Trees 0) ACV \newline +ECP Extended Coverage Perils \&(VMM- Vandal, Malicious Mischief) \newline DP2- BROAD - basic perils + BBB Icegolf(Trees 500)  \newline DP3- SPECIAL Compreh. all except excluded \newline ADD Theft except DP3}  \tn 
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\mymulticolumn{2}{x{5.377cm}}{Extended Coverage Perils: \newline WHARVES Wind, Hail, Aircraft, Riot, Volcano, Explosion, Smoke \newline -These are additional perils that a policyholder can opt to have coverage for beyond the basic policy, which commonly covers perils such as fire and lightning \newline Supplementary payment to liability claims: \newline BAILED- Bonds, Aid, Interest, Loss earnings, Expenses, Defense Cost \newline Policy Provisions \newline DICE- Declarations, Insuring Agree, Conditions, Exclusions}  \tn 
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\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Things to know}}  \tn
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\mymulticolumn{2}{x{5.377cm}}{-DP1 insures structure of ACV \newline -Vandalism would not be covered on dwelling if vacant 60 days \newline -Oldest insurance is Ocean Marine \newline -Additional perils covered in basic \& broad is Internal Explosion \newline -Utmost Good Faith- obligation to act in complete honesty \& disclose relevant facts \newline -Renewal dates are in insuring agreement \newline -Manual Rates are estn based on similarities of risk w other risk \newline -Duties of insure does not include notify insured of fin. difficulty}  \tn 
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\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Definitions}}  \tn
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\mymulticolumn{2}{x{5.377cm}}{-Reinsurance-company indemnifies another. \newline -Aleatory: Unequal Exchange (insd pays small premium, insurer pays large claim) \newline -Cancellation-terminating an in-force policy \newline - Nonrenewal- termin. of a policy at expiration \newline -Comparative-can be at fault, but u will be responsible for your share of the injuries, while the other party is liable for their share}  \tn 
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% That's all folks
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