Free Personal Automobile Policy Practice Questions
Alabama Property & Casualty exam — 101 practice questions.
Subtopics: Contributory negligence rule, Contributory negligence vs comparative, UM legal entitlement, Minimum limits figures, UM offer requirement, Compulsory insurance purpose, Liability insuring agreement, Med pay scope, Collision definition, Comprehensive scope, UIM purpose, Definition of insured, Towing endorsement, 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, Policy structure, Physical damage, Optional coverages, Exclusions, Liability coverage, Medical payments, Uninsured motorist, Collision coverage, Other than collision, Transportation expenses, Underinsured motorist, Towing and labor, Newly acquired autos, Definitions, Supplementary payments, Liability exclusions, Uninsured motorists, Physical damage exclusions, Duties after loss, Policy territory, Termination, Residual market
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Sample questions & answers
1. Alabama is among the small minority of states retaining pure contributory negligence, under which a claimant partly at fault is generally:
Completely barred from recovering against another at-fault party
Alabama's pure contributory negligence rule bars a claimant who shares any fault from recovering against another party.
2. Unlike comparative negligence states, an Alabama claimant found 5% at fault in an auto accident will generally recover:
Nothing from the other driver
Because Alabama applies contributory rather than comparative negligence, even 5% fault generally bars recovery.
3. Under Alabama's uninsured motorist statute, UM coverage pays an insured's bodily injury damages when the insured is:
Legally entitled to recover damages from the uninsured owner or operator
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 requirement of 25/50/25 sets the per-person bodily injury limit at:
$25,000
In 25/50/25, the first figure ($25,000) is the bodily injury limit per person; $50,000 is per accident and $25,000 is property damage.
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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.
