Free Personal Automobile Policy Practice Questions
Alaska Property & Casualty exam — 117 practice questions.
Subtopics: Liability coverage, Permissive user, Total loss, Named driver exclusion, Coverage territory, Newly acquired auto, Gap coverage, Stacking, Betterment, Split limits, Supplementary payments, Covered auto, Added equipment, Personal auto defined, Auto cancellation reasons, Suspension lookback, New business period, Deductible changes, Auto cancellation notice, Assigned risk notice, Auto rate changes, Citation surcharges, Surcharge timing, Surcharge notice, Same-class rule, Short-term policy, Minimum limits, Territory, Compulsory insurance, Road-system exemption, Proof of insurance, Proof penalty, Accident proof, Accident proof deadline, Uninsured suspension, Future proof, DUI proof, Methods of proof, Certified policy cancellation, Self-insurance, Financial responsibility act, Absolute liability, Binder as proof, Permitted exclusions, UM/UIM required, UM/UIM offers, UM/UIM waiver, Anti-stacking, UM coordination, Hit and run, UM property damage, UM exhaustion, Pedestrians and cyclists, UM exclusions, Punitive damages, Rental car coverage, Rental priority, Arbitration costs, Selections bind all, Assigned risk plan, Assigned risk appeals, Assigned risk agreements, Rideshare exclusion, Rideshare limits, Rideshare lapse, Rideshare disclosure, Rideshare surplus lines, Rideshare certificate, Auto total loss, Auto cancellation facts, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Medical payments, Uninsured motorist, Collision coverage, Other than collision, Transportation expenses, Underinsured motorist, Towing and labor, Newly acquired autos, Definitions, Liability exclusions, Uninsured motorists, Physical damage exclusions, Duties after loss, Policy territory, Termination, Residual market
Read the Personal Automobile Policy study guide
Sample questions & answers
1. The liability section of a personal auto policy responds when the insured is legally responsible for:
Bodily injury or property damage to others
Auto liability coverage pays for bodily injury and property damage the insured causes to others.
2. A friend who borrows the insured's car with permission and causes an accident is generally:
Covered as a permissive user under the policy
A permissive user driving with the insured's consent is generally covered under the policy's liability coverage.
3. When a covered auto is a total loss, the PAP physical damage coverage generally pays:
The actual cash value of the vehicle at the time of loss
Physical damage coverage on a total loss pays the vehicle's actual cash value at the time of the loss.
4. A named driver exclusion endorsement on an Alaska auto policy:
Removes coverage when a specifically named person drives the car
Under Alaska law, a household member or relative must be excluded at the named insured's request; the policy then provides no coverage when that person drives.
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Practice: Personal Automobile Policy
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
