Free Personal Automobile Policy Practice Questions
Hawaii Property & Casualty exam — 169 practice questions.
Subtopics: No-fault PIP, Minimum liability limits, UM/UIM offer, Property damage liability, Split limits, SR-22, Gap coverage, Stacking, Wage loss option, Towing and labor, Named driver exclusion, Towed trailer, Betterment, Salvage, Definition of insured, Livery exclusion, Purpose of no-fault, Uninsured drivers, Motor vehicle defined, Insured defined, Uninsured motor vehicle, Underinsured motor vehicle, PIP limit, PIP maximum limit, PIP benefits, PIP alternative care, PIP chiropractic, PIP fee schedule, Compulsory insurance, Coverage for registration period, Exempt vehicles, Self-insurance, Insurance ID card, ID card contents, ID card period, Return of ID card, ID card not returned, Prepaid premium and ID card, Rejection and JUP, Servicing applicants, JUP meeting after rejection, Cancellation appeal, Permitted cancellation, New policy period, Prohibited reasons, Burden of proof, Nonrenewal cap, Nonrenewal credit for new business, Refund after cancellation, Cancellation notice, Nonpayment notice, Proof of mailing, Offer to renew, Cancellation penalty, Lapse of insurance, Uninsured driving fine, Repeat offense fine, License suspension, Community service, Good faith defense, Producer penalties, Rate fixing, No-insurance surcharge, Surcharge explanation, Rating factors prohibited, Age and sex in rating, Not-at-fault accidents, Rate complaints, Minimum PD limit, Basic limits exhibit, Liability exclusion, Permissive drivers, Uninsured motorist required, UIM offer form, UM/UIM options, Renewal offers, UM/UIM rejection rule, Physical damage deductibles, Death benefit option, Funeral expense option, PIP deductibles, Commercial policy options, Disclosure of coverages, Elections bind others, Managed care PIP, Managed care voluntary, Higher required limits, Who receives PIP, Motorcycle PIP, PIP payment timing, PIP denial, PIP overdue interest, PIP attorney fees, Source of PIP, Pedestrian PIP source, One PIP insurer, PIP and workers comp, Loaner cars, PIP ineligibility, Criminal conduct defined, Out-of-state accidents, Tort threshold, Tort exceptions, Property damage tort, Intentional or DUI conduct, Duplicate benefits, Comparative negligence, JUP membership, JUP bureau, JUP eligibility, JUP public assistance, JUP rates, Assigned claims, JUP board, TNC logged on, TNC prearranged ride, TNC lapse, Personal policy and TNC, TNC disclaimers, TNC records, TNC UM offers, TNC surplus lines, Car sharing coverage, Car sharing exclusion, Car sharing records, Car sharing insurable interest, Policy structure, Physical damage, Optional coverages, Exclusions, Liability coverage, Medical payments, Uninsured motorist, Collision coverage, Other than collision, Transportation expenses, Underinsured motorist, Newly acquired autos, Definitions, Supplementary payments, Liability exclusions, Uninsured motorists, Physical damage exclusions, Duties after loss, Policy territory, Termination, Residual market
Read the Personal Automobile Policy study guide
Sample questions & answers
1. Which coverage pays a Hawaii insured's own accident-related medical costs regardless of who was at fault?
Personal injury protection (PIP)
Hawaii PIP benefits are paid without regard to fault under HRS 431:10C-304, up to the $10,000 per-person aggregate limit in 431:10C-103.5.
2. Hawaii's current minimum bodily injury and property damage liability limits for a motor vehicle policy are:
40/80/20
HRS 431:10C-301(b) requires at least $40,000 per person and $80,000 per accident for bodily injury and $20,000 for property damage (40/80/20).
3. Before issuing an auto policy in Hawaii, the insurer must generally:
Offer uninsured and underinsured motorist coverage
HRS 431:10C-301(b)(3)-(4) and (d) require UM coverage (unless rejected in writing) and offers of UIM coverage and stacking options when a policy is first applied for.
4. Property damage liability coverage under an auto policy pays for:
Damage the insured causes to another person's property
Property damage liability pays for damage the insured causes to the property of others, such as another vehicle.
All Property & Casualty topics
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.
