Free Personal Automobile Policy Practice Questions
Arkansas Casualty exam — 94 practice questions.
Subtopics: Minimum limits, Compulsory insurance, Surplus lines auto, Proof of insurance, Electronic proof, No-insurance penalties, Proof of future responsibility, Operator's policy, Certified policy territory, Uninsured motorist, Uninsured motorist limits, Uninsured motor vehicle, Uninsured motorist property damage, Underinsured motorist, No-fault benefits, No-fault rejection, Auto cancellation reasons, Auto cancellation scope, Auto cancellation notice, Lienholder notice, Auto nonrenewal notice, Auto nonrenewal grounds, Auto renewal notice, Assigned risk notice, Assigned risk plan, Assigned risk appeals, Rescission limits, Auto claims, Subrogation and deductibles, Third-party claims, Persons insured, Physical damage, Uninsured motorists, Medical payments, PAP structure, Your covered auto, Newly acquired auto, Family member, You and your, Part A exclusions, Supplementary payments, Out of state coverage, Other insurance, Part B medical payments, Part C uninsured motorists, Underinsured motorists, Part D collision vs OTC, Part D transportation expenses, Part D nonowned auto, Part D exclusions, Part D limit of liability, Part D appraisal, Part E duties, Policy territory, Part F termination, Part F two-or-more autos, Auto financial responsibility, No-fault concepts, Auto insurance plans, Part D coverage
Read the Personal Automobile Policy study guide
Sample questions & answers
1. Arkansas's minimum auto liability limits are:
$25,000/$50,000/$25,000
Ark. Code 27-19-605 and 27-22-104(b) require $25,000 per person and $50,000 per accident for bodily injury, and $25,000 for property damage.
2. Under Arkansas's required minimum auto liability limits, the most the policy must pay for property damage in one accident is:
$25,000
Ark. Code 27-19-605 requires a property damage limit of not less than $25,000 per accident.
3. Under Arkansas law, a person may operate a motor vehicle in the state only if the vehicle and its operation are covered by:
An insurance policy or a certificate of self-insurance
Ark. Code 27-22-104(a)(1) requires coverage by a certificate of self-insurance or a policy from an insurer authorized or eligible to do business in Arkansas.
4. Under a 2025 Arkansas law, a motor vehicle liability policy that satisfies the state's insurance requirements may be issued by an insurer that is:
Authorized or eligible, including a surplus lines insurer
Act 345 of 2025 amended Ark. Code 27-22-104(a)(1) and related sections to accept policies from insurers "authorized or eligible" to do business in Arkansas, clarifying that surplus lines coverage qualifies.
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.
