Avoid Jumping To Conclusions

The questions on licensing exams are often embellished with deceptive distractions as choices. To avoid being misled by seemingly obvious answers, make it a practice to read each question and each answer twice before selecting your choice. Doing so will provide you with a much better chance of doing well on the test.

Watch out for qualifiers embedded in the question. (Example of qualifiers include the words if, not, all, none, and except.) In the case of if statements, the question can be answered correctly only by taking into account the qualifier. If you ignore the qualifier, you will probably not answer correctly.

Qualifiers are sometimes combined in a question. Some that you will frequently see together are all with except and none with except. In general, when a question starts with all or none and ends with except, you are looking for answer that is opposite to what the question appears to be asking. For example:

2. All of the following are excluded from the liability portion of commercial auto coverage EXCEPT
A. expected or intended injury
B. contractual injury
C. insurer’s cost of defense
D. workers’ compensation

If you neglect to read the except, you might select answer choices A, B, or D. The qualifier makes C the only correct option.