Personal Automobile Exposures And Insurance-PA

Personal Automobile Exposures and Coverage 

This insurance continuing education course covers the risks involved in owning a personal automobile, and the ways in which individuals and families can use insurance to protect themselves from these risks, including the proper coverage forms and endorsements that are appropriate under various situations and for various clients. Subjects in this insurance continuing education course include:

• Personal insurance exposures of individuals and families including property and liability exposures;
• Risk management and insurance as one of several risk management techniques;
• The personal auto policy itself, breaking it down and analyzing each section of the policy in great detail;
• Various endorsements available, how and why they might be used to modify the policy;
• Underwriting and rating automobile insurance;
• Insuring other motor vehicles, such as motorhomes, ATV, Motorcycles, etc;
• Laws and regulations around the automobile insurance marketplace, including no-fault insurance and assigned risk; and;
• Automobile insurance claims.

System Requirements: All major browsers can be used to complete our courses.  This includes Internet Explorer 11.x or higher, Microsoft Edge 20 or higher, Firefox version 51 or higher, Apple Safari version 10.x or higher, and Google Chrome, version 56 or higher.

Desktops, Laptops, Tablets, and most Smartphones are also supported.

This course automatically includes a downloadable textbook and/or other course materials which you may print if you desire. When you are finished studying your course, the exam is taken online and it is graded immediately.  In most states you can also print your own certificate of completion, if you pass. There is no additional charge if you complete your course and exam completely online. 

If your state requires monitored exams, you must have your monitor sign-in and follow the monitor instructions BEFORE you begin the exam.  See the State Information tab, Monitor tab and Help Center for more information.

 CE Subscriptions

Need more than one course? Often a 1 year subscription will save a lot when compared to purchasing courses one at a time! Click the shopping menu above to see the subscription options. Upon purchase, the student will have access to all of the courses on the course list tab for a given state.   You can click "Go to My Courses" on the left navigation bar or go to www.kruisetesting.com and enter the same user name (email address) and password you used to purchase your subscription to open your account.  All courses will be available for download, and all exams will be available to the student for a period of one year from the date of purchase. Just scroll down to the name of the course you wish to take, and there will be links to open the study materials and to take the exam. Students may get credit for each course once during the duration of the subscription. The cost of the subscription covers the online book/presentation, the exam & grading, the certificate of completion, and reporting (where required by law).  The only additional charges that may be assessed are:

• The state filing fee which varies by state and by individual course.
• Fees for additional certificates ordered for optional professional designation CE.

This subscription applies only to the agent who purchases it, and cannot be transferred to or used by any other agent.

Subscriptions expire in 365 days from purchase, there are no refunds for not using the package while it's active.