Free Personal Automobile Policy Practice Questions
Illinois Casualty exam — 118 practice questions.
Subtopics: Child restraint offer, Disability and auto rates, Auto policy defined, Minimum liability limits, Mandatory insurance, Mandatory insurance exemptions, Auto self-insurance, Proof in vehicle, Uninsured driving penalty, Uninsured driving fine, Failing to show proof, Registration suspension, Reinstatement fee, False proof of insurance, Insurance verification stops, Fake insurance cards, Owner's policy permissive users, Financial responsibility territory, Certified policy cancellation, Proof after revocation, UM required, UM stacking, UM arbitration, Binding UM arbitration, Insolvent insurer as UM, Uninsured presumption, UM up to liability limits, Rejecting higher UM, UM election binding, UIM required, UIM payment, UMPD deductible, UMPD rejection, UMPD hit-and-run, IAIP eligibility, Assigned risk distribution, IAIP notice, Plan policies and cancellation law, Defensive driving discount, Discount duration, Discount exclusions, Anti-theft discount, Multiple anti-theft devices, Equipment exclusion, Equipment exclusion exception, Drivers with disabilities, Disability renewal proof, Liability limits disclosure, Prior carrier identity, Oral premium estimate, Child restraint replacement, False garaging address, Agent proximity, Auto cancellation grounds, Carpool use, Nondisclosure of violations, Multiple speeding convictions, Auto nonrenewal bases, Five-year rule, Collision claim delay, PD liability claim delay, Total loss information, Total loss replacement vehicle, Salvage title, Comparative negligence, Comparative negligence bar, Medical payments, Physical damage required, Grace period, Non-bound application, 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. Which inducement may an auto insurer lawfully offer policyholders despite the anti-rebating law?
A child passenger restraint system or a discount on one
Section 151(1) expressly permits a company to offer a child passenger restraint system, or a discount on one, for child safety.
2. Charging an applicant a higher auto premium because of a physical disability is, in Illinois:
An unfair or deceptive practice
Section 424(5) defines charging a higher motor vehicle premium because of physical disability, race, color, religion or national origin as unfair.
3. Which vehicle insured under a policy issued to an individual fits the Illinois definition of a "policy of automobile insurance" for cancellation purposes?
A personal pickup with a 1,000-pound load capacity
Section 143.13(a) covers private passenger and other 4-wheeled vehicles with a load capacity of 1,500 pounds or less not used in business, as livery or rented to others.
4. What are the minimum auto liability limits required in Illinois?
$25,000 / $50,000 / $20,000
625 ILCS 5/7-203 requires $25,000 per person and $50,000 per crash for bodily injury and $20,000 for property damage.
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.
