Curriculum: Indiana Personal Lines Insurance Prelicensing (20-Hour)

Orient Indiana Personal Lines candidates to the Indiana Department of Insurance (IDOI) authority under Title 27, producer licensing under IC 27-1-15.6, continuing education under IC 27-1-15.7, unfair trade and claims practices under IC 27-4-1 and IC 27-4-1-4.5, the Indiana mandatory financial responsibility law under IC 27-7-5 (including the minimum auto liability limits under IC 27-7-5-2), the Indiana Auto Insurance Plan (INAIP) under IC 27-7-6, mandatory uninsured and underinsured motorist coverage under IC 27-7-8, Indiana's at-fault tort system under IC 27-7-9, modified comparative fault under IC 34-51-2 and the 51% bar to recovery, the six parts of the ISO Personal Auto Policy (PAP) PP 00 01, and the role of the Indiana Bureau of Motor Vehicles in registration, license suspension, and SR-22 filings — all aligned to the Pearson VUE Indiana Personal Lines examination outline.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 1: Orientation, Indiana Regulatory Framework, Personal Lines Licensing, and Auto Insurance.
• -Apply the lesson's rules to realistic Indiana personal lines transactions, including auto, homeowners, renters, condo, dwelling fire, umbrella, watercraft, and specialty sales, quoting, binding, claims, and renewal.
• -Distinguish mandatory regulatory obligations from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandatory coverages, ISO PAP and HO form structures, and Indiana statutory limits that shape personal lines products covered in this lesson.

Master the ISO Homeowners forms (HO-2, HO-3, HO-4, HO-5, HO-6, HO-8) and their architecture and selection, the HO coverage parts A through F (dwelling, other structures, personal property, loss of use, personal liability, medical payments), the Dwelling Fire policies (DP-1, DP-2, DP-3), the HO-3 exclusions catalog, the Indiana regulatory framework for property insurance, the Indiana FAIR Plan as the property residual market, the National Flood Insurance Program (NFIP), earthquake endorsements and Indiana's seismic exposure, and specialty personal lines products (personal umbrella, personal watercraft, recreational vehicle, mobile home, inland marine) — at the depth required to pass the Pearson VUE Indiana Personal Lines examination.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 2: Homeowners, Dwelling, Renters, Specialty Personal Lines, and the Indiana FAIR Plan.
• -Apply the lesson's rules to realistic Indiana personal lines transactions, including auto, homeowners, renters, condo, dwelling fire, umbrella, watercraft, and specialty sales, quoting, binding, claims, and renewal.
• -Distinguish mandatory regulatory obligations from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandatory coverages, ISO PAP and HO form structures, and Indiana statutory limits that shape personal lines products covered in this lesson.

Cement the six elements of a valid insurance contract, the legal characteristics of insurance contracts (aleatory, adhesion, unilateral, conditional, personal, indemnity), insurable interest in property, utmost good faith and the doctrines of representations/warranties/concealment/fraud, risk concepts and the law of large numbers, indemnity/subrogation/salvage/abandonment, agency law (express, implied, apparent authority), Indiana producer licensing under IC 27-1-15.6, appointment under IC 27-1-15.6-14, the unfair-practice catalog under IC 27-4-1, credit-information restrictions under IC 27-2-21, cybersecurity and three-business-day breach notification under IC 27-2-27-21(c), HIPAA in personal lines practice, 760 IAC 1-* administrative rules, ALTA Best Practices concepts for producer trust, and the Indiana Insurance Guaranty Association under IC 27-6-8.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 3: Insurance Contract Foundations, Agency Law, and Indiana Personal Lines Statutory Framework.
• -Apply the lesson's rules to realistic Indiana personal lines transactions, including auto, homeowners, renters, condo, dwelling fire, umbrella, watercraft, and specialty sales, quoting, binding, claims, and renewal.
• -Distinguish mandatory regulatory obligations from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandatory coverages, ISO PAP and HO form structures, and Indiana statutory limits that shape personal lines products covered in this lesson.

Consolidate producer licensing and discipline grounds under IC 27-1-15.6 and IC 27-1-15.6-12, CE compliance under IC 27-1-15.7, the full Indiana unfair-trade-practice catalog under IC 27-4-1, cancellation and non-renewal of property insurance under IC 27-7-2, mandatory financial responsibility under IC 27-7-5, the Indiana Automobile Insurance Plan under IC 27-7-6, uninsured/underinsured motorist coverage under IC 27-7-8, Indiana's at-fault tort system under IC 27-7-9, comparative fault under IC 34-51-2, credit-information restrictions under IC 27-2-21, cybersecurity and three-business-day breach notification under IC 27-2-27-21(c), the Indiana Insurance Guaranty Association under IC 27-6-8, 760 IAC 1-* administrative records retention, and the Indiana ethics catalog — and rehearse the Pearson VUE Indiana Personal Lines examination via an 85-question Pearson-VUE-style mock final with answer key and answer-letter distribution audit.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 4: Indiana Insurance Law, Ethics, Federal Compliance, and Pearson VUE Exam Readiness.
• -Apply the lesson's rules to realistic Indiana personal lines transactions, including auto, homeowners, renters, condo, dwelling fire, umbrella, watercraft, and specialty sales, quoting, binding, claims, and renewal.
• -Distinguish mandatory regulatory obligations from best-practice steps within the lesson topic.
• -Recognize the policy provisions, mandatory coverages, ISO PAP and HO form structures, and Indiana statutory limits that shape personal lines products covered in this lesson.