Free Personal Auto Policy Practice Questions
Delaware Personal Lines exam — 207 practice questions.
Subtopics: Medical payments, Comprehensive coverage, Collision coverage, Deductible, Towing and labor, Rental reimbursement, Who is an insured, Temporary substitute auto, Supplementary payments, Duties after loss, Livery exclusion, Intentional acts, Split limits, Property damage limit, Minimum liability limits, PIP minimum limits, PIP time limit, PIP funeral benefit, PIP benefits, PIP substitute services, Who PIP covers, PIP pedestrians, PIP deductibles, PIP deductible election, PIP for nonresidents, PIP payment, Non-vehicle property damage, Loss of use, Required vs. offered, Tort and PIP, PIP subrogation, Arbitration of PIP claims, Arbitration panels, Arbitration appeal, Driving uninsured, Insurance ID card, ID card validity, Electronic ID cards, Lapse penalty, Reporting uninsured drivers, Plate confiscation, Form A, Nonstandard drivers, PIP coverage notice, Compulsory insurance, Proof for registration, Proof of financial responsibility, Defensive driving discount, Refresher course, Partial discount, Rating information, Comparative negligence, UM required, UM limits, UM property damage deductible, Uninsured vehicle defined, Hit-and-run claims, Additional UM/UIM, Underinsured vehicle, UIM payment timing, Stacking, New policy period, Cancellation notice, Nonpayment notice, Nonrenewal notice, Notice contents, Appeal to Commissioner, Commissioner findings, Reasons to cancel, Driving record reasons, Car pools, Household drivers, Excluded drivers, Reinstatement after nonpayment, Transfers within group, Deductible at renewal, Driving record requests, Cash refund on cancellation, Military deployment, Minor drivers, Mail notice method, Driver license suspension, Volunteer drivers, Assigned risk eligibility, Assigned risk surcharge, Assigned risk plan, Temporary transportation, Part A liability, Part B medical payments, Part C UM, Part D collision, Other than collision, Covered persons liability, Newly acquired auto, Temporary substitute, Liability exclusion intentional, Liability exclusion livery, Transportation expenses, 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, 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, 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. Medical Payments coverage (Part B) of a personal auto policy pays:
Reasonable medical expenses for the insured and passengers regardless of fault
Medical Payments coverage pays reasonable medical expenses for the insured and passengers, regardless of who was at fault.
2. Comprehensive (other than collision) coverage pays for damage to the covered auto caused by:
Perils such as fire, theft, hail, or striking an animal
Comprehensive covers losses other than collision, such as fire, theft, hail, vandalism, and animal strikes.
3. Collision coverage under the personal auto policy pays for damage to the covered auto resulting from:
Impact with another vehicle or object or its overturning
Collision coverage pays for damage caused by the covered auto's impact with another object or by overturning.
4. The deductible on a personal auto policy's physical damage coverage is:
The amount the insured pays before the insurer pays the rest of a covered loss
The deductible is the portion of a covered physical damage loss the insured pays before coverage applies.
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.
