Free Personal Auto Policy Practice Questions
Alabama Personal Lines exam — 179 practice questions.
Subtopics: Contributory negligence, Contributory negligence effect, UM legal entitlement, Liability minimums, Uninsured motorist, Financial responsibility, Liability coverage Part A, Medical payments, Collision coverage, Comprehensive coverage, Underinsured motorist, Covered autos, Exclusions, Split limits, Compulsory insurance, BI per accident minimum, No-fault, Cash deposit, Authorized insurer requirement, Evidence of insurance, Newly purchased vehicle, Insurance card contents, Temporary insurance card, Online verification, Mandatory insurance administration, Verification response, Reinstatement fee first, Reinstatement fee repeat, Proof after violation, Driving uninsured, Failure to show proof, Vehicle removal, Mandatory insurance exemptions, Military members, Accident report, Security after accident, Suspension duration, Certified policy cancellation, Owner's policy, UM requirement, UM renewal after rejection, UM limits, Underinsured included, Insolvent insurer UM, UM stacking, UM what is covered, Cancellation article scope, Underwriting period, Auto cancellation notice, Nonpayment notice, Reason on request, Assigned risk notice, Proof of notice, Permitted reason - suspension, Permitted reason - speeding, Car pools, Nonrenewal, Renewal not waiver, Cancellation immunity, Cancellation reasons, Part A liability, Part B medical payments, Part C UM, Part D collision, Other than collision, Covered persons liability, Newly acquired auto, Temporary substitute, Supplementary payments, Liability exclusion intentional, Liability exclusion livery, Transportation expenses, Towing and labor, Loss settlement physical damage, Duties after accident, Territory, Covered auto definition, Trailers coverage, Non-owned auto, Rented auto coverage, Glass breakage, Exclusion racing, Exclusion few wheels, Exclusion auto business, Exclusion owned property, Exclusion no reasonable belief, Out of state coverage, Other insurance non-owned, UM dispute resolution, Electronic equipment limit, Appraisal physical damage, No-fault PIP, Right to recover, Collision settlement, Total loss settlement, Definitions - spouse, Definitions - leased autos, Definitions - family member, Definitions - occupying, Temporary substitute auto, Part A insureds, Part A insuring agreement, Part A exclusions, Ridesharing, Livery exclusion exceptions, Auto business exclusion, Business use exclusion, Reasonable belief exclusion, Vehicle sharing, Fewer than four wheels, Regular use exclusion, Racing exclusion, Flying vehicles, Split limits calculation, Limit of liability, Other insurance, Medical payments insureds, Medical payments exclusions, Medical payments other insurance, Uninsured motor vehicle, Hit and run, UM exclusions, UM arbitration, Collision definition, Non-owned auto deductible, Part D exclusions, Custom equipment, Part D limits, Trailers and campers, Governmental confiscation, Part D valuation, Betterment, Payment of loss, Other sources of recovery, Rental car exclusion, Duties after loss, Cancellation, Automatic termination, Policy territory, Limited Mexico coverage, Transfer of interest, Two or more auto policies, Subrogation, Legal action, Residual markets, Medical payments calculation, Part D coverage, Uninsured motorists, Extended non-owned coverage, Miscellaneous type vehicle
Read the Personal Auto Policy study guide
Sample questions & answers
1. Alabama is one of the few states that follows the doctrine of pure contributory negligence, meaning an injured claimant who is even slightly at fault generally:
Recovers nothing from the other party
Under Alabama's strict contributory negligence rule, a claimant found even 1% at fault is generally barred from recovering against another party.
2. Because Alabama applies contributory negligence, a driver who is found 10% responsible for an accident will typically:
Be barred from recovering damages from the other driver
Alabama's contributory negligence bars recovery for a claimant with any fault, so 10% fault generally defeats the claim.
3. Alabama's uninsured motorist law requires coverage for persons insured under the policy who are:
Legally entitled to recover damages from owners or operators of uninsured vehicles
Alabama UM coverage protects insureds who are legally entitled to recover damages from owners or operators of uninsured motor vehicles, so it depends on the uninsured driver's legal liability rather than paying regardless of fault.
4. Alabama's minimum auto liability limits are 25/50/25. Expressed in dollars, these limits are:
$25,000 / $50,000 / $25,000
Alabama requires $25,000 per person and $50,000 per accident for bodily injury, and $25,000 for property damage.
Practice: Personal Auto 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.
