Missouri Sheriffs Association Class 266 Block Exam 5 Study Guide Solutions
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Course
Missouri 2024/2025
Institution
Missouri 2024/2025
Missouri Sheriffs Association Class 266 Block
Exam 5 Study Guide Solutions
Identify the personal and uniform inspections which the patrol officer should conduct prior to leaving
home. - Ans:-Mentally prepare yourself by asking questions such as: Was there anything significant
that happened on t...
Insuring Agreement Section - Ans:✔✔--describes the covered perils
-summarizes major promises of the policy
Conditions Section - Ans:✔✔--policy provisions
-rules of conduct
-duties
-obligations
Endorsements Section - Ans:✔✔--add, modify, or take away coverage
The self retention limit - Ans:✔✔-the amt of a loss that the insured must cover out of pocket, acts as a
deductible unless the umbrella policy covers the excess liabilities
Insurance uses the risk MGT method of ________ to spread the risk among insureds - Ans:✔✔-Transfer
The tendency for higher-risk individuals to get and keep insurance. This can be avoided using the
underwriting process, where insurance companies can identify high risk individuals. - Ans:✔✔-Adverse
Selection
Mutual Insurer - Ans:✔✔-An insurer that is owned by its policyholders, elects its own board of directors,
and provides insurance to them. The policyowners participate in the operating results of the company so
they are "PARTICIPATING POLICIES"
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