Free Personal Auto Policy Practice Questions
Idaho Personal Lines exam — 195 practice questions.
Subtopics: Minimum auto limits, Split limits, Compulsory insurance, UM rejection, Certified policy, Driving uninsured, Financial responsibility, Liability coverage, Medical payments, Collision coverage, Comprehensive coverage, Uninsured motorist, Declarations page, Who is an insured, Non-owned auto, Actual cash value, Deductible, Property damage limit, Coverage territory, Optional coverages, Livery use, FR minimum limits, FR per accident BI, FR property damage, Indemnity bond, Bond with whom, Uninsured first offense, Uninsured repeat offense, Proof in vehicle, Electronic proof, Dismissal with later proof, FR proof after first conviction, FR proof after suspension, Certified policy cancellation, Unpaid judgment, Owner policy - permissive users, Policy territory, Binder as FR, Loaner vehicle primary, No reduced household coverage, Online verification, Verification notices, Optional suspension of coverage, UM/UIM required, UM rejection effect, UM standard statement, UM exemption ATV, UM - insolvent insurer, UIM defined, Offset vs excess UIM, UM subrogation, Auto cancel - first 60 days, Auto cancel notice, Auto nonpay notice, Auto nonrenewal notice, Request for reasons - cancel, Request for reasons - nonrenew, Assigned risk notice, Proof of mailing, Auto cancel grounds, Point violations, Carpool use, Out-of-state registration, Policy scope of auto law, Short-term policy period, Excluding a driver, Renewal deductible, Med pay time limit, Mature driver discount age, Mature driver discount duration, Mature driver coverages, Court-ordered course, Assigned risk plan, Assigned risk participation, Assigned risk appeal, Assigned risk rates, 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, Transportation expenses, Towing and labor, Loss settlement physical damage, Duties after accident, Territory, Covered auto definition, Trailers coverage, 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, 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, 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. Idaho's minimum automobile liability limits are:
25/50/15
Idaho Code 49-117(20) sets $25,000 per person and $50,000 per accident for bodily injury and $15,000 for property damage.
2. In Idaho's 25/50/15 minimum, the $25,000 figure represents the maximum for:
Bodily injury per person
Under Idaho Code 49-117(20), $25,000 is the bodily injury limit for one person in any one accident.
3. Idaho law generally requires every owner of a registered motor vehicle to:
Maintain at least the minimum liability limits
Idaho Code 49-1229(1) requires owners of registered vehicles to continuously maintain liability insurance at least at the 49-117 limits (or an approved alternative).
4. In Idaho, uninsured/underinsured motorist coverage is included in auto liability policies and may be rejected only:
In writing or by electronic record of the named insured
Idaho Code 41-2502(2) lets the named insured reject UM and/or UIM only in writing or in an electronic record.
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.
