AL Property & Casualty study plan

List from memory Alabama producer licensing requirements, appointment and termination procedures, and the state's continuing-education hour and deadline rules

Distinguish the regulatory authority of the Alabama Department of Insurance and the Commissioner from federal and other state authority

Match at least ten unfair trade practices and prohibited acts in the Alabama code to fact patterns that illustrate each

State the penalties, fines, and license-revocation triggers the Commissioner may impose and the timeframes for hearings and appeals

Compare HO-2, HO-3, HO-5, HO-4, HO-6, and HO-8 by named-peril versus open-peril treatment and by who each form insures

Map Section I Coverages A through D to a sample policy and calculate a dwelling loss settlement including the deductible and any sublimits

Apply Section II Coverage E and F limits, exclusions, and the duties-after-loss conditions to at least six claim scenarios

Differentiate the DP-1, DP-2, and DP-3 dwelling forms from one another and from the HO forms on perils, valuation, and endorsements

Define risk, peril, hazard, indemnity, insurable interest, subrogation, and adverse selection and apply each to a short insurance scenario

Differentiate representations, warranties, concealment, misrepresentation, waiver, and estoppel and identify which void or merely reduce coverage

Deconstruct a specimen policy into declarations, insuring agreement, conditions, exclusions, and definitions and explain the function of each section

Compute coinsurance penalties, ACV versus replacement-cost settlements, and deductible applications from given numbers

Break negligence into its four elements and analyze proximate cause, comparative versus contributory negligence, and the last clear chance doctrine in scenarios

Distinguish strict and absolute liability, vicarious liability, and contractual liability and name one common example of each

Separate compensatory special and general damages from punitive and nominal damages and state what each covers

Identify the common liability exclusions and defenses that appear across commercial and personal liability forms

Break down CGL Coverages A, B, and C and explain the occurrence versus claims-made trigger, the retroactive date, and the extended reporting period

Apply the CGL exclusions for your work, your product, contractual liability, and employers liability to at least eight claim scenarios

Determine workers' compensation benefits for medical, temporary total, permanent partial, permanent total, and death claims including Alabama's waiting period and benefit percentage

Explain workers' compensation exclusivity, the employer's liability Part Two coverage, and how coverage responds to out-of-state exposure

Compare commercial property forms and the basic, broad, and special causes-of-loss forms on covered perils and exclusions

Compute coinsurance, agreed-value, and business income with extra expense payments for a sample commercial account

Explain blanket versus specific insurance, reporting forms, and the margin clause and when each is used

Outline the commercial package policy structure and identify which inland marine and crime endorsements are commonly attached

Compare personal auto Coverages A through D, the major exclusions, and Alabama's financial responsibility minimum limits

Differentiate common personal auto endorsements and explain why Alabama's tort-based system differs from no-fault and PIP states

Apply business auto symbols 1 through 9 and the MCS-90 and trucking concepts to given fleet and delivery scenarios

Outline the coverage triggers for umbrella and excess liability, inland marine, crime, and boiler and machinery

Complete a timed 150-question full-length practice exam under exam conditions and score at least 80% overall

Re-drill the three lowest-scoring domains from the practice score report until each reaches 85% or higher

Recite Alabama-specific numbers, deadlines, and penalty amounts from flashcards with 100% recall

Rehearse policy-limit and deductible calculations under time pressure without reference to notes