Free Personal Automobile Policy Practice Questions
Illinois Property & Casualty exam — 116 practice questions.
Subtopics: Liability coverage, Collision, Comprehensive, Medical payments, Uninsured motorist, Exclusions, Coverage territory, Split limits, Financial responsibility, Child restraint offer, Disability and auto rates, Auto policy defined, Mandatory insurance, Mandatory insurance exemptions, Auto self-insurance, Proof in vehicle, Uninsured driving penalty, Uninsured driving fine, Failing to show proof, Registration suspension, 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 payment, 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, Physical damage required, Grace period, Non-bound application, Policy structure, Physical damage, Definition of insured, Optional coverages, Collision coverage, Other than collision, Transportation expenses, Underinsured motorist, Towing and labor, 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. Liability coverage under a personal auto policy pays for:
Bodily injury and property damage the insured causes to others
Auto liability coverage pays for bodily injury to others and property damage the insured causes, and may pay for legal defense.
2. Collision coverage pays for damage to the insured's auto caused by:
Impact with another vehicle or object
Collision pays for damage to the insured vehicle when it collides with another vehicle or object or overturns; fire, theft and flood fall under comprehensive.
3. Comprehensive (other than collision) coverage pays for:
Losses such as theft, fire and hail
Comprehensive covers loss from causes other than collision, such as hail, vandalism, flood, fire and theft.
4. Medical payments coverage in a personal auto policy pays medical expenses of the insured and passengers:
Regardless of who caused the accident
Medical payments covers medical and funeral expenses for the insured and passengers and pays even if the insured caused the accident.
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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.
