Free Personal Auto Policy Practice Questions
Arkansas Personal Lines exam — 185 practice questions.
Subtopics: Minimum limits, Compulsory insurance, UM rejection, First-party benefits, Renewal notice, Proof of insurance, Proof of future responsibility, Part A liability, Part B medical payments, Part C uninsured motorists, Collision, Comprehensive, Family member, Newly acquired auto, Deductible, Rental reimbursement, Towing, Split limits, Intentional act exclusion, Permissive use, Total loss, Surplus lines auto, Electronic proof, No-insurance penalties, 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, Part C UM, Part D collision, Other than collision, Covered persons liability, 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, Financial responsibility, Medical payments, Medical payments insureds, Medical payments exclusions, Medical payments other insurance, 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, Nonrenewal, 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. Arkansas's minimum auto liability limits, written in split-limit form, are:
25/50/25
Ark. Code 27-19-605 and 27-22-104(b) set minimums of $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage.
2. Under Arkansas law, which of the following satisfies the requirement that a vehicle operated in the state be covered?
A certificate of self-insurance
Ark. Code 27-22-104(a)(1) requires coverage by a certificate of self-insurance under 27-19-107 or a policy from an authorized or eligible insurer.
3. In Arkansas, uninsured motorist coverage must be offered, and to decline it the insured generally must:
Reject it in writing
Ark. Code 23-89-403(a) requires UM coverage in auto liability policies unless an insured named in the policy rejects it in writing; the rejection continues until withdrawn in writing.
4. Arkansas requires auto insurers to offer first-party medical, income, and accidental death benefits that the insured may:
Reject in writing
Ark. Code 23-89-202 requires medical, income disability, and accidental death benefits; under 23-89-203 the named insured may reject any or all of them in writing.
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.
