Auto Insurance Practice Exam

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• When can the personal auto policy's medical payments coverage be used?
• What occurs when a policyholder purchases a new car but forgets to cancel their old personal auto policy?
• In a garage policy, which scenario would NOT be covered under the liability section?
• What does the towing and labor costs endorsement cover under a personal auto policy (PAP)?
• Which vehicle is included in Carmella's personal auto policy definition of "your covered auto"?
• What coverage would pay for damage to Astrid's car after it hits a pothole?
• What does the complete personal auto policy combine?
• In a personal auto policy, what does the term "your covered auto" typically refer to?
• What endorsement can Homer add to his BAP to use non-owned cars for personal use?
• If Brian is accused of intentionally damaging another vehicle, what is true about his coverage under his PAP?
• What happens when an employee is driving the employer's delivery truck and injures a co-worker who is a passenger?
• What auto symbol indicates that only specifically described autos are covered under a business auto policy?
• What is a requirement before using non-OEM parts according to state laws?
• Which coverage is considered the most important part of a personal auto policy?
• What will Sylvia's uninsured motorists coverage say about her medical bills?
• Is damage to a covered auto while being transported from a seller to a garage covered by a garage policy?
• In the business auto policy, which symbol provides non-ownership liability coverage?
• What type of disputes can arbitration resolve in relation to auto insurance?
• Which auto insurance endorsement allows employees to be insured when using their personal vehicle for business purposes?
• What requirement is likely NOT enforced by state law when using non-original equipment manufacturer parts for vehicle repairs?
• Under what condition does physical damage coverage apply to non-owned vehicles in a personal auto policy?
• How much can Fran expect to collect under her PAP's uninsured motorists coverage after her accident?
• In which scenario will Evelyn's PAP medical payments coverage NOT provide protection?
• How much will the insurer pay for the funerals in the accident involving Danny and the children?
• If an insurer declares a vehicle a constructive total loss, what will they NOT do?
• In a personal auto policy, where is physical damage to the insured's covered auto provided?
• What type of coverage is medical payments in most states?
• What type of parts will a mechanic use if required by law to use generic parts instead of OEM parts?
• What type of coverage might be more appropriate for a camper with plastic windows?
• A state requires a minimum auto liability limit of 15/30/5. What is the required coverage for bodily injury to all people in the other car during an accident?
• How are Melanie's medical expenses covered under her and Lee's insurance policies after her accident?
• What is the primary purpose of the MCS-90 endorsement?
• Who typically determines the legal responsibility for an auto accident?
• What does liability coverage under Leanne's policy provide when a temporary substitute auto is used?
• Which of the following is NOT considered an "insured" under a personal auto policy?
• What type of insurance coverage does Ibey Motors need to cover liability for vehicles in its care, custody, and control?
• What is the primary function of a personal auto policy's medical payments coverage?
• Which of the following is covered by a business auto policy's physical damage provisions?
• What does the personal auto policy typically cover in the event of a vehicle theft?
• What term describes state laws that restrict an injured party's right to sue until a specified threshold of damages is met?
• When Mrs. Quayle rear-ends a school bus while on her way to a business meeting, will the medical payments coverage on her personal auto policy cover her injuries?
• What term best describes Morgan Transportation, which transports cargo by truck for others?
• What symbol does an insurer use to designate a vehicle that is NOT covered under one of the standard symbols in a business auto policy?
• What type of damage does collision coverage typically provide under a personal auto policy?
• What is the limit of liability for a loss to a borrowed or rented trailer under a personal auto policy (PAP)?
• What will Robert's personal auto policy liability limit be if he has an accident in a neighboring state with a higher minimum requirement?
• Why was Jasmine's claim for medical payments denied by her insurer?
• How much advance notice must an insurance company provide a policyholder before canceling a personal auto policy?
• What type of insurance typically covers damages from an uninsured motorist?
• Business auto insurance can be included in which of the following?
• What applies to coverage under the personal auto policy (PAP) when driving in Canada or Mexico?
• How long does Jane have to ask for collision and other than collision coverage for her new car?
• In 2013, the Insurance Services Office (ISO) introduced the Auto Dealers form as a replacement to the:
• Which statement is true regarding collision coverage for Riley's new sedan?
• If Phoebe damages her garage door with her car, how will her property damage liability coverage respond?
• Who submitted a claim that was denied by Matt's auto insurer due to not being considered an "insured"?
• Which component is NOT one of the three major parts of a personal auto policy (PAP)?
• Which location is NOT covered under Jenny's business auto policy (BAP) for accidents while driving?
• What does Neal's personal auto policy state regarding his passengers' medical expenses after the accident?
• What type of carrier is a company that transports cargo for a fee classified as?
• What type of vehicle does Leanne's personal auto policy cover as a temporary substitute?
• What exclusion would eliminate coverage for Sean's uninsured car if he has an accident with it?
• What type of coverage will Eliza's personal auto policy provide for her newly acquired pickup truck if she notifies her insurer within 14 days?
• What are the typical limits of liability coverage for bodily injury in a personal auto policy?
• In the event of a hit-and-run auto accident, what must the insured do to qualify for collision coverage?
• Abbey rents a replacement auto after her station wagon was stolen. What is the maximum amount her insurer will pay for transportation expenses from the rental?
• Which supplemental payment under the business auto policy does NOT count toward the limit of insurance?
• Under a business auto policy, which of the following is true regarding the coverage for temporary vehicles?
• A company that only provides truck transportation for its own cargo is known as what type of carrier?
• What will Mary's personal auto policy cover regarding the accident involving Wilmer and Katharine?
• What happens if Porter names Anne in the declarations of the personal auto policy?
• What definition in a personal auto policy applies to a leased vehicle once it's added to the policy?
• What is the maximum amount Travis's insurer will pay for an accident causing $35,000 in bodily injury and $60,000 in property damage, given a limit of $75,000?
• How many days of advance notice must an insurer give to the insured if they do not wish to renew a personal auto policy?
• Which scenario relates to financial responsibility laws?
• Under what condition will Mary's uninsured motorists coverage not apply?
• What is the primary purpose of uninsured motorist coverage in auto insurance?
• Which part of a personal auto policy specifies the liability limit for uninsured motorist coverage?
• What protection does Lillian's personal auto policy provide since she only meets her state's minimum insurance requirements?
• Which type of vehicles would be covered under a business auto policy with symbol 1 designated for liability coverage?
• What endorsement extends coverage to a dune buggy and a golf cart owned by the insured?
• How does the business auto policy (BAP) respond to a liability claim filed by Mrs. Emerson after she deliberately drives into a couple?
• How much do transportation expenses cover per day and what is the maximum amount?
• Which endorsement adds coverage for a motorcycle to a personal auto policy?
• Which scenario would allow coverage under the pollution exclusion of a business auto policy?
• Who is NOT covered by Beverly's uninsured motorists coverage?
• Which duty of the personal auto policy (PAP) insurer is considered broader?
• What does underinsured motorists (UIM) coverage protect an insured against?
• How many different numerical "symbols" does the business auto policy (BAP) use to represent various types of covered autos?
• When a mechanic accidentally damages Hector's car while being serviced, what type of coverage will apply?
• Which symbol appears on the declarations page of a business auto policy to cover the office manager's car when used for business purposes?
• If Mutual Insurance Co. cancels Ralph's insurance after discovering material misrepresentation, is this cancellation legitimate?
• What is the Extended Non-Owned Coverage endorsement primarily used for?
• In states with no-fault auto insurance, how can personal auto policy (PAP) coverage be modified for first-party benefits?
• Which coverage in a personal auto policy (PAP) would the policy's deductible apply in the event of a covered loss?
• Which type of auto qualifies as a "newly acquired auto" under a personal auto policy?
• What coverage does Alliance need to pay for damage to a trailer that was lent to them while transporting cargo?
• How does the PAP handle coverage for a vehicle driven in another state with higher liability limits?
• Which symbols should be recommended for Muller's Floral Shop to secure the necessary auto coverage?
• What is the primary purpose of trailer interchange insurance?
• How does the business auto policy indicate the coverages that apply to a specific insured on the declarations page?
• Which personal auto policy coverage would apply if Mrs. Updike's car rolled into a river?
• What does Derek's personal auto policy say about temporary substitute autos regarding coverage?
• What is the maximum amount Candy's personal auto policy will pay for medical payments expenses resulting from two separate accidents, given her medical payments limit?
• If Bernice's Bakery has a symbol 1 designation on its business auto policy's declarations page, what type of vehicles are covered for liability insurance?
• Which vehicle is NOT excluded from coverage under medical payments coverage in the personal auto policy?
• Which of the following best describes uninsured motorist coverage?
• How does medical payments coverage under a personal auto policy (PAP) differ from a homeowners policy?
• In a business auto policy, what type of incident is generally excluded from coverage when it involves a co-worker?
• In which scenario would Jodie NOT be covered for damages resulting from an accident?
• Which laws require a motorist to have proof of financial responsibility for vehicle registration?
• What type of vehicle will automatically be excluded from coverage due to weight limits under the PAP?
• What is the primary purpose of no-fault auto insurance?
• Which factor does NOT affect whether a vehicle is considered insured under a personal auto policy?
• What symbol is needed on the declarations page of a BAP for rental car coverage?
• What does medical payments coverage under a PAP generally exclude?
• How does an auto policy respond when a passenger submits a medical bill incurred after the accident?
• Is the loaned vehicle provided to Nancy while her car is being repaired considered a covered auto under her personal auto policy?
• What is the maximum payout for permanently installed after-market CB radio equipment under a personal auto policy?
• What must happen before Vanessa's insurer will pay for the destruction of the borrowed pickup truck?
• Why is it important for drivers to maintain their auto insurance coverage?
• What does the personal auto policy typically cover related to medical expenses for accidents?
• Under what circumstance would Lenny's insurer terminate its defense of a lawsuit after a car accident?
• What is the maximum daily amount covered under transportation expenses?
• Why might an insurer opt to use non-original equipment manufacturer (non-OEM) parts for repairs?
• What must Mr. Newman do to comply with another state's compulsory insurance laws while driving there?
• Which of the following is NOT an exclusion under Part B - Medical Payments Coverage on the PAP?
• The PAP liability coverage protects against which of the following?
• Under which scenario would a business auto policy cover liability for pollutants escaping from a truck?
• How much will Smith pay as the deductible for damage caused by vandals to ten vehicles worth $4,000?
• Under what condition does a personal auto policy provide coverage for rental vehicles?
• Which of the following scenarios would not typically fall under the personal auto policy?
• Under which scenario would uninsured motorists coverage NOT apply to Josephine and her family?
• Which covered auto symbol designates owned autos on the business auto policy?
• Which of the following is NOT treated as an uninsured motor vehicle under the personal auto policy?
• What is the outcome for Orlando regarding insurance after his accident with Monroe?
• What type of vehicle is a rented automobile classified as under the business auto policy?
• In a collision claim, what are aftermarket parts also referred to as?
• Medical payments coverage pays for necessary medical and funeral services incurred within how many years from the accident date?
• Which statement regarding the Limited Mexico Coverage endorsement is NOT true?
• Within what time frame must an insured inform the insurer of a newly acquired auto under symbol 7 of the business auto policy?
• What coverage does Darrel's personal auto policy provide for his new pickup truck with a gross vehicle weight of 12,000 pounds?
• Which type of auto is NOT considered "your covered auto" under a personal auto policy (PAP)?
• In arbitration, how many experts typically make up the arbitration panel?
• What is a premium grace period for a personal auto policy?
• How will Norma's medical bills most likely be paid after being injured by an uninsured driver?
• For how long must a vehicle be leased to qualify as a covered auto in the personal auto policy?
• If Ben files a claim against Bill and Norton's Appliances after their accident, is his claim covered under the business auto policy?
• What type of insurance protects against injuries sustained by others in an auto accident?
• Which of these is NOT typically covered under a personal auto policy?
• What is the legal term for a vehicle used for personal purposes, but insured under a commercial policy?
• When broken glass occurs as damage from a collision, what is the purpose of covering this breakage under collision loss?
• If Tina collides with another car while borrowing her neighbor's vehicle, whose policy will primarily handle the liability claim?
• If Nate drives his delivery van through the window of the dealer's showroom after receiving a large repair bill, will his business auto policy cover the damage?
• When Kim was rear-ended by an uninsured driver, how much will her uninsured motorists coverage pay for her bodily injury?
• What type of operations does the truckers policy primarily insure?
• In which case can Sheila's accident involve an insured motor vehicle?
• What coverage does a personal auto policy typically exclude when an insured is driving for business purposes?
• What document do applicants for auto insurance use to indicate their state of residency?
• What factor influences the cost of auto insurance premiums?
• If the insurer intends to nonrenew personal auto policy (PAP) coverage, how many days before the policy expiration must they notify the named insured?
• Which loss is covered under the physical damage section of a garage policy?
• Garage policies are primarily used to provide insurance to which of the following?
• Before Mr. and Mrs. Ferreira can sue the drunk driver that rear-ended them, which law requires them to submit their claims to their own insurer first?
• When is Pamela required to prove she has auto liability insurance under financial responsibility law?
• What requirement must be fulfilled for automatic liability coverage to apply to a newly acquired vehicle in a PAP?
• Which accident is considered outside of the policy territory on a personal auto policy?
• While the business auto policy (BAP) coverage territory is limited, which scenario offers coverage for a rented private passenger auto?
• Within what time frame must an insured inform the insurer of a newly acquired auto for coverage under symbol 7 of the business auto policy?
• Which coverage type would NOT be included under a standard personal auto policy?
• In Mrs. Innes's accident, what type of injury is her broken arm classified as in the personal auto policy?
• What provision allows Trudy's insurer to recover costs from Harry after paying for her car damage?
• Which of the following is NOT included as a supplemental payment in the business auto policy's liability coverage?
• If a covered auto suffers a loss, when will temporary transportation expenses be paid?
• Which coverage protects against theft of personal property in a vehicle?
• Under which coverage did Mrs. Ogden receive payment for her injuries after her accident?