Free Personal Automobile Policy Practice Questions
Iowa Casualty exam (series 12-IA-04) — 94 practice questions.
Subtopics: Minimum limits, Proof of coverage card, No proof of insurance, Insurance card contents, Security after accident, Security exceptions, Forms of proof, Certified policy cancellation, Duration of proof, Unpaid judgments, Motor vehicle liability policy, Binder as proof, UM/UIM required, UM rejection form, UM at renewal, UM limits, Insolvent insurer, UM stacking, UM notice, Hit-and-run, UM reimbursement, Auto cancellation scope, Auto cancellation reasons, Auto cancellation notice, Driver exclusion notice, Hearing on cancellation, Prohibited nonrenewal, Assigned risk notice, Deductible change, Renewal waiver, New auto policies, Aftermarket parts, Aftermarket parts notice, Auto total loss, Auto total loss recourse, Assigned risk plan, Assigned risk policies, Assigned risk fees, TNC coverage period 1, TNC coverage period 2, Prearranged ride, Personal auto exclusion, TNC insurance lapse, TNC disclosure, TNC insurers, TNC lienholder notice, Persons insured, Physical damage, Uninsured motorists, Medical payments, 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. Iowa's minimum amounts of auto liability coverage for proof of financial responsibility are:
$20,000 per person, $40,000 per accident for bodily injury, and $15,000 property damage
Iowa Code 321A.1(11) sets financial responsibility at $20,000 bodily injury per person, $40,000 per accident, and $15,000 property damage per accident.
2. When driving in Iowa, a driver must have in the vehicle proof of financial liability coverage, which may be shown:
On paper or electronically on a phone or other device
Iowa Code 321.20B(1)(a) requires carrying the proof of financial liability coverage card and allows paper or electronic format, including display on a cell phone.
3. An Iowa peace officer stops an Iowa-registered vehicle and the driver cannot show proof of financial liability coverage. Which action is the officer authorized to take?
Issue a citation and remove the license plates and registration receipt
Iowa Code 321.20B(4)(a) lets the officer issue a warning, issue a citation, issue a citation and remove the plates and registration, or also impound the vehicle.
4. Under Iowa Code 321.20B, an insurer must issue each insured owner of an Iowa-registered vehicle a financial liability coverage card that shows, among other things:
The registration number or VIN and the expiration date
Iowa Code 321.20B(2)(a) requires a card for each vehicle identifying the registration number or VIN and the expiration date of coverage, plus insurer or agency contact information.
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.
