Free Personal Automobile Policy Practice Questions
Kentucky Casualty exam — 101 practice questions.
Subtopics: Auto cancellation, Auto nonrenewal, Auto underwriting, Auto premium, Arbitration, Auto renewal notice, Claim drafts, Residual market, Auto glass, Minimum limits, Basic reparation benefits, Tort threshold, Tort rejection, Motorcycles, BRB priority, Added reparation benefits, BRB deductibles, BRB payment, Assigned claims plan, Limitation of actions, Net loss, Required security, Motor vehicle defined, No-fault system, Uninsured motorists, Underinsured motorists, Persons insured, Physical damage, 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, 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. A Kentucky private passenger auto policy has been in force for five months. If the insurer cancels it for a permitted reason other than nonpayment, it must give at least how many days' notice?
20 days
KRS 304.20-040(3) requires at least 20 days' notice of cancellation, or 14 days with the reason when cancellation is for nonpayment of premium.
2. When a Kentucky personal auto policy is canceled for nonpayment of premium, the insurer must give at least:
14 days' notice with the reason
KRS 304.20-040(3) requires at least 14 days' notice of cancellation accompanied by the reason when cancellation is for nonpayment.
3. A new (non-renewal) Kentucky personal auto policy that has been in effect fewer than 60 days:
Is not limited to the statutory reasons, with 14 days' notice
Under KRS 304.20-040(2)(b) and (3), the limited list of cancellation reasons does not apply during the first 60 days of a new policy, and notice must be at least 14 days.
4. A Kentucky insurer that intends not to renew a private passenger auto policy must mail or deliver notice to the named insured at least:
75 days in advance
KRS 304.20-040(5) requires at least 75 days' advance notice of intention not to renew; otherwise coverage is deemed renewed on payment of the premium.
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.
