Free Personal Auto Policy Practice Questions
Arizona Personal Lines exam (series 13-44) — 164 practice questions.
Subtopics: Liability coverage, Comprehensive, Medical payments, UM offer, Lapse consequences, Property damage liability, Covered persons, Newly acquired vehicle, Optional coverages, Minimum limits, Permissive users, Policy territory, Named driver exclusion, Proof of insurance, ID cards, Minimum limits policy, Monthly payment plan, Assigned risk plan, Subrogated claim, Deductible in subrogation, Total loss settlement, Repair shop travel, Glass coverage, Not-at-fault surcharge, UM/UIM offer, UM/UIM producer duty, UM/UIM decision, UM offer renewal, Uninsured vehicle, UIM defined, Anti-stacking, Phantom vehicle, Med pay lien, Auto cancellation, Conviction lookback, Auto nondiscrimination, Exclude instead of cancel, TNC use, Auto notice periods, Notice contents, Defective notice, Grace period, Nonpayment cancellation, Premium finance, Producer of record, Auto scope, 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, Split limits, 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, 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 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, Nonrenewal, Automatic termination, 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. The liability coverage of a personal auto policy pays for:
Injury and damage the insured causes others
Auto liability coverage pays for injury and damage the insured is legally responsible for causing to others.
2. Comprehensive (other than collision) coverage pays for losses such as:
Theft, fire, hail, or hitting an animal
Comprehensive covers non-collision losses such as theft, fire, hail, and animal strikes.
3. Medical payments coverage on a personal auto policy generally pays for:
Medical bills of insureds, regardless of fault
Auto medical payments coverage pays medical costs for the insured and passengers without regard to fault.
4. Arizona auto insurers must offer uninsured motorist coverage by written notice. The named insured's decision to buy or reject it is finally expressed by:
The policy declarations page
The offer is made on a Director-approved form, and the declarations page sent to the named insured constitutes the final expression of the decision to purchase or reject.
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.
