PuzzleType=Crossword
PuzzleTitle=Property and Casualty Basics
PuzzleDate=
PuzzleAuthor=
PuzzleCopyright=ŠTESTivity, LLC
PuzzleBackgroundColor=#ECE9D8
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PuzzleTextColor=#000000
PuzzleTextSize=Normal
CrosswordAllowCheck=True
CrosswordAllowRevealWord=True
CrosswordAllowRevealLetter=True
CrosswordAllowSolve=False
CrosswordForceUpperCase=True
PuzzleUseTimer=True
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GridWidth=28
GridHeight=21
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Checksum=898448697
CWA=This defense will favor the insured if it can be determined that the injured party had a "distinct chance" to avoid the loss or injury (3 words)
CWA=For full coverage on a partial loss the coinsurance requirement is __%	
CWA=Under this defense, the court determines the negligence of each party and awards damages proportionately
CWA=A short-rate refund is due if the _______cancels the policy mid-term. (Hyphenated)
CWA=Abandonment of damaged property is ________ in most property policies	
CWA=The purpose of coinsurance is to make sure the client carries _______ limits
CWA=A constructive total loss occurs when the cost of repairs exceeds the value of the property
CWA=When an insurer and insured disagree over whether a loss is actually covered under the policy they may go to __________
CWA=When policy limits are reinstated after a claim, it is known as ________ of limits
CWA=Proof of loss on a property policy must be in ________
CWA=An individual has a legal liability for damage to others if he/she has been _________
CWA=An endorsement may not be used to ______  policy conditions
CWA=Building, residence or insured premises is empty or unfurnished and there is no intent to return
CWA=Also called the efficient cause of loss (2 words)
CWD=If the insured dies, their policy rights are transferred to their _______ representative
CWD=Process with P&C insurance, when it is understood between the insured and insurer that coverage exists but they do not agree on the amount of the loss
CWD=Replacement cost minus depreciation (Acronym)
CWD=Concept that allows the insurer to take title to the damaged property and recoup some of their money if a total loss is paid
CWD=Before an insured can assign a property insurance policy to another, he/she must receive _______ permission from the insurer
CWD=_________ negligence is a common defense which will prevent an injured third party from recovering damages from an insured if the injured party was in any way responsible for the loss
CWD=Also known as the transfer of rights of recovery
CWD=Cancellation provisions are found in the ________ section of the policy
CWD=The reduction in the value of property over time due to use, wear and tear, and obsolescence.
CWD=No one is present but the building is furnished in some capacity and there may be an intent to return on the part of the insured
CWD=Additional living expenses following a house fire is an example of a(n)_______   (2 words)
CWD=When a policy is canceled midterm, unearned premiums must be ________ to the policy owner
CWD=Another word for "strict" liability
CWD=A pro-rata refund is due if the _______cancels the policy mid-term. (Hyphenated)
CWD=The purpose of subrogation is to keep the insured from collecting _______