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MCLE Test and Answer Sheet
Test No. 108: No Assurances
(September 2002 Los Angeles Lawyer)

Instructions for Obtaining MCLE Credits
The Los Angeles County Bar Association certifies that this activity has been approved for Minimum Continuing Legal Education credit by the State Bar of California in the amount of 1 hour.

1.Study the CLE article in this issue.


2.Answer the test questions by marking the appropriate boxes. Each question has only one answer. Photocopies of this answer sheet may be submitted; however, this form should not be enlarged or reduced.

3.Mail the answer sheet and the $15 testing fee ($20 for non-LACBA members) to:
Los Angeles Lawyer
MCLE Test
P.O. Box 55020
Los Angeles, CA 90055 
Make checks payable to Los Angeles Lawyer.

4.You can also fill in the test form and submit it directly to LACBA by clicking "Submit." To submit your test answers online you will need to pay by credit card. After submitting your answers you will be presented with a screen requesting payment information. This information will be submitted in a secure mode which will allow you to safely transmit your credit card number over the Internet. If you prefer not to pay by credit card, please print this answer sheet and submit your responses by regular mail.

5.Within six weeks, Los Angeles Lawyer will return your test with the correct answers, a rationale for the correct answers, and a certificate verifying the CLE credit you earned through this self-assessment activity.

6.For future reference, please retain the CLE test materials returned to you.
Test Sheet 
Mark your answers to the test by clicking next to your choice.  All questions must be answered.  Each question has only one answer. This test is worth 1 hour of credit.*

1. How many buildings comprise the World Trade Center?
A. 2.
B. 7.
C. 6.
D. 10.

2. Who owns the World Trade Center?
A. The Silverstein Partners.
B. The Port Authority of New York and New Jersey.
C. The city of New York.
D. Citibank.

3. What is the amount of the primary level of insurance for the World Trade Center property insurance program?
A. $1 million.
B. $2 million.
C. $5 million.
D. $10 million.

4. What are the limits per occurrence for the World Trade Center property insurance program?
A. $1.555 billion.
B. $3.5468 billion.
C. $4.023 billion.
D. $5.05 billion.

5. What is at issue in the World Trade Center occurrence coverage actions?
A. The WilProp form.
B. The Travelers policy.
C. A and B.
D. None of the above.

6. Has the U.S. District Court for the Southern District of New York found the term “occurrence” ambiguous?
Yes.
No.

7. How does a court determine the meaning of a term that is not defined in the policy?
A. The court consults a dictionary and legal authorities.
B. The court examines the mutual intent of the parties.
C. Prayer.
D. A and B.

8. In a typical business interruption policy, there must be direct physical loss to covered property.
True.
False.

9. In a typical business interruption policy, the cause of loss or damage must be a covered cause of loss.
True.
False.

10. How far from the described premises can a vehicle be located for the loss of personal property within the vehicle to be covered by a business interruption policy?
A. 10 feet.
B. 50 feet.
C. 75 feet.
D. 100 feet.

11. Under a typical business interruption policy, will damage at a remote, unrelated site trigger business interruption coverage?
Yes.
No.

12. What type of insurance may provide coverage for business interruption when there is damage at a remote location?
A. The Wilprop form.
B. The Travelers policy.
C. Contingent business interruption.
D. An all-risk policy.

13. What must be prevented in order for civil authority coverage to apply?
A. Access to the described premises.
B. Access to the neighbor’s premises.
C. Access to police.
D. Access to the fire station.

14. Who or what must prevent access to the designated premises in order for civil authority coverage to apply?
A. The insured.
B. Civil authority.
C. Tenants.
D. Lawyers.

15. In order for the typical business interruption coverage to apply, there must be:
A. Actual loss of income.
B. Suspension of operations.
C. Damages to covered property.
D. All of the above.

16. What is the primary issue regarding civil authority coverage before the court in 730 Bienville Partners v. Assurance Company of America?
A. Physical damage to covered property.
B. Liability of the airlines.
C. The reasonableness of the airport shutdown order.
D. All of the above.

17. Was there a civil authority order in effect near ground zero, with prohibited or restricted access zones?
Yes.
No.

18. When does business interruption coverage end?
A. When the “period of restoration” ends.
B. When the national state of emergency is declared over.
C. When the local government makes a decision that the interruption of business is over.
D. All of the above.

19. When does extra expense and civil authority coverage begin?
A. Upon the action taken by the civil authority in prohibiting access to the described premises.
B. On the date of direct physical loss.
C. 72 hours after the civil authority prohibits access to the described premises.
D. None of the above.

20. Extra expense and civil authority coverage ends 1) three consecutive weeks after the civil authority prohibits access to the described premises, or 2) when the insured’s business income coverage ends; whichever is later.
True.
False.

Address and Billing 
After submitting your answers you will be asked to enter your name, address, and payment information on the next screen. Once you have submitted the current form, you will be switched to a secure mode which will allow you to safely transmit your credit card number over the Internet.

If you do not wish to complete this transaction over the Internet you should print this page and send it to the address listed in Step 3 of the instructions at the top of this page.

  
Before hitting the "Submit" button please verify that all questions have been answered.

*The Los Angeles County Bar Association has been approved as a continuing legal education provider of Minimum Continuing Legal Education credit by The State Bar of California. This self-assessment activity will qualify for Minimum Continuing Legal Education credit by The State Bar of California in the amount of one hour.

   
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