Free Personal Automobile Policy Practice Questions
Colorado Casualty exam — 106 practice questions.
Subtopics: Compulsory insurance, Minimum liability limits, Driving uninsured, Proof of insurance, SR-22, Accident security, Who is an insured, Tort system, Comparative negligence, Medical payments, Medical payments rejection, Medical payments primary, Trauma care reserve, Medical payments subrogation, Medical payments exceptions, Uninsured motorist, Uninsured motorist limits, Underinsured motorist, UM/UIM setoff, UM at renewal, UM property damage, Unlocatable tortfeasor, Collision deductibles, Out-of-state coverage, Auto cancellation reasons, New auto policies, Auto cancellation notice, Auto nonpayment cancellation, Auto nonrenewal notice, Nonrenewal reasons, Proof of notice, Assigned risk notice, Prohibited reasons, Not-at-fault accidents, No prior insurance, Household drivers, Excluded drivers, Notice of adverse action, Claims that cannot be surcharged, Small accident threshold, Traffic convictions, Installment payments, Auto disclosure, Policy copy requests, Claimant limits requests, Colorado Auto Insurance Plan, Applicant appeals, Transportation network companies, Covered vehicles, Persons insured, Physical damage, Uninsured motorists, 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. Colorado law requires every owner who operates a motor vehicle on public highways, or permits it to be operated, to have:
A complying auto liability policy in force
Every owner operating or permitting operation of a motor vehicle on Colorado highways must have a complying policy in full force, unless holding a certificate of self-insurance.
2. The minimum liability limits required on a Colorado complying auto policy are:
$25,000 / $50,000 / $15,000
The required coverage is $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage per accident, exclusive of interest and costs.
3. Colorado's minimum property damage liability limit for a complying auto policy is:
$15,000 per accident
Property damage liability must be at least $15,000 in any one accident, exclusive of interest and costs.
4. A first conviction in Colorado for driving without a complying auto policy is a class 1 misdemeanor traffic offense with a mandatory minimum fine of:
$500
The minimum mandatory fine is $500 for a first offense and $1,000 for a second offense within five years; community service may also be ordered.
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.
