Free Commercial Automobile Policy Practice Questions
Kansas Casualty exam (series 12-KS-04) — 49 practice questions.
Subtopics: Permitted exclusions, Self-insurance, Business auto coverage, Covered auto symbols, Hired autos, Non-owned autos, MCS-90 form, Lessor additional insured, Drive other car, Mobile equipment, Physical damage commercial, Symbol 2 owned autos, Symbol 7 specified autos, Symbol 8 hired autos, Garagekeepers, Who is an insured, Trailer coverage, Auto pollution exclusion, Rental reimbursement, Motor truck cargo, Newly acquired autos, Supplementary payments, Liability exclusions, Physical damage, Coverage territory, Other insurance, Individual named insured, Employees as insureds, Hired auto physical damage, Business auto duties, Business auto vs PAP
Read the Commercial Automobile Policy study guide
Sample questions & answers
1. An insurer may exclude required auto liability coverage while the vehicle is being repaired or serviced by someone in the automobile business, but that exclusion does not apply to:
The named insured, spouse or resident relatives
K.S.A. 40-3107(h)(2) permits the auto-business exclusion but states it does not apply to the named insured, spouse or resident relatives, or their agents, employers, employees or partners.
2. K.S.A. 40-3107 lets an insurer exclude required liability coverage for injury or damage caused by the discharge of pollutants, except when the discharge is:
Sudden and accidental
K.S.A. 40-3107(i)(12) permits a pollution exclusion but states it does not apply if the discharge is sudden and accidental.
3. A person may qualify as a Kansas motor vehicle self-insurer only if more than how many motor vehicles are registered in the person's name in Kansas?
25
K.S.A. 40-3104(f) allows any person with more than 25 motor vehicles registered in Kansas to obtain a certificate of self-insurance from the Commissioner.
4. The Business Auto Coverage Form provides a business with:
Liability and physical damage coverage for autos used in the business
The Business Auto Coverage Form (BACF) provides auto liability and physical damage coverage for a business's vehicles.
Practice: Commercial 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.
