Front

Duration of premium discount after completing a Delaware-approved defensive driving course?

Back

3 years

Answer explanation

After completing a Delaware-approved defensive driving course, a premium discount is provided for 3 years. This duration helps incentivize safe driving practices.

Front

Which factor is prohibited from being used in determining auto insurance premiums in Delaware?

Back

Marital status

Answer explanation

In Delaware, using marital status to determine auto insurance premiums is prohibited. This means insurers cannot factor in whether a person is married or single when calculating rates.

Front

Under Delaware Workers' Compensation law, when do wage benefits begin after an employee is incapacitated?

Back

After 3 consecutive days

Answer explanation

Under Delaware Workers' Compensation law, wage benefits begin after 3 consecutive days of incapacity. This means that if an employee is incapacitated for less than 3 days, they will not receive wage benefits.

Front

Which of the following employments is excluded from mandatory Workers' Compensation coverage in Delaware? Construction workers, Manufacturing workers, Federal employees, Retail employees

Back

Federal employees

Answer explanation

Federal employees are excluded from mandatory Workers' Compensation coverage in Delaware, as they are covered under federal programs instead. Other listed occupations, like construction and manufacturing workers, are included.

Front

What percentage of their average weekly wage does a totally disabled employee receive under Delaware Workers' Compensation?

Back

66⅔%

Answer explanation

Under Delaware Workers' Compensation, a totally disabled employee receives 66⅔% of their average weekly wage, making this the correct choice among the options provided.

Front

What is the maximum amount provided for burial expenses under Delaware Workers' Compensation law?

Back

$7,000

Answer explanation

Under Delaware Workers' Compensation law, the maximum amount provided for burial expenses is $7,000, making it the correct choice among the options given.

Front

Purpose of the Assigned Risk Plan in Delaware's Workers' Compensation system?

Back

To ensure coverage for employers unable to obtain it in the voluntary market

Answer explanation

The Assigned Risk Plan in Delaware's Workers' Compensation system ensures that employers who cannot obtain coverage in the voluntary market still have access to necessary insurance, thus protecting both employees and businesses.

Front

What is the role of the Terrorism Risk Insurance Act (TRIA) in Workers' Compensation?

Back

To require coverage for certified acts of terrorism

Answer explanation

The Terrorism Risk Insurance Act (TRIA) mandates that insurance policies, including Workers' Compensation, must cover certified acts of terrorism, ensuring victims receive necessary support.

Front

What is the benefit of participating in a certified safety inspection and training program for employers with high Workers' Comp premiums?

Back

Premium discounts

Answer explanation

Participating in a certified safety inspection and training program can lead to premium discounts for employers with high Workers' Comp premiums, as it demonstrates a commitment to workplace safety and risk reduction.

Front

How are risk-based rating codes determined for Workers' Compensation in Delaware?

Back

By job type and payroll

Answer explanation

Risk-based rating codes for Workers' Compensation in Delaware are determined primarily by job type and payroll, as these factors directly influence the level of risk associated with different occupations.