Free Personal Automobile Policy Practice Questions
Kansas Casualty exam (series 12-KS-04) — 127 practice questions.
Subtopics: Auto glass, KAIRA purpose, Compulsory insurance, Minimum limits, Required coverage, Permitted exclusions, PIP rejection, PIP benefits, PIP coordination, PIP claims, PIP coverage, PIP exclusions, Tort threshold, PIP subrogation, Assigned claims plan, Penalties, Proof of insurance, Exempt vehicles, Registration, Auto cancellation, Insurance filings, Declined applications, Insurance verification, Auto nonrenewal, Auto residual market, Uninsured motorist, Underinsured motorist, Accident prevention discount, Nonresident vehicles, 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. Under K.S.A. 40-2,155, an auto insurer issuing a Kansas policy may NOT:
Require the insured to use a particular glass repair company
K.S.A. 40-2,155(a) bars requiring an insured to use a particular company or location for glass replacement or repair, or coercing that choice.
2. If a Kansas insured chooses a glass shop that is not on the insurer's list, the insurer may require:
No more than three competitive bids
K.S.A. 40-2,155(b)(3) allows the insurer to require not more than three competitive bids when the insured does not use the list.
3. The stated purpose of the Kansas automobile injury reparations act is to:
Compensate people promptly for accidental bodily injury from motor vehicles
K.S.A. 40-3102 states the act's purpose is to provide a means of compensating persons promptly for accidental bodily injury arising from motor vehicles, in lieu of some tort liability.
4. Under K.S.A. 40-3104, every owner of a motor vehicle subject to the Kansas act must:
Provide motor vehicle liability coverage meeting the act
K.S.A. 40-3104(a) requires every owner to provide motor vehicle liability insurance coverage under the act for each owned vehicle unless it is self-insured or exempt.
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.
