Free Personal Auto Policy Practice Questions
Kentucky Personal Lines exam — 180 practice questions.
Subtopics: Choice no-fault, Basic reparation benefits, Tort rejection, Minimum auto limits, Financial responsibility, Liability coverage, Uninsured motorist, Underinsured motorist, Collision, Comprehensive, Medical payments, Permissive user, Split limits, Coverage territory, Newly acquired auto, Deductible, Exclusions, Total loss, Auto cancellation, Auto nonrenewal, Auto underwriting, Auto premium, Arbitration, Auto renewal notice, Claim drafts, Residual market, Auto glass, Minimum limits, Tort threshold, Motorcycles, BRB priority, Added reparation benefits, BRB deductibles, BRB payment, Assigned claims plan, Limitation of actions, Required security, Uninsured motorists, Underinsured motorists, Part A liability, Part B medical payments, Part C UM, Part D collision, Other than collision, Covered persons liability, Temporary substitute, Supplementary payments, Liability exclusion intentional, Liability exclusion livery, Transportation expenses, Towing and labor, Loss settlement physical damage, Duties after accident, Territory, Covered auto definition, Trailers coverage, Non-owned auto, Rented auto coverage, Glass breakage, Exclusion racing, Exclusion few wheels, Exclusion auto business, Exclusion owned property, Exclusion no reasonable belief, Out of state coverage, Other insurance non-owned, UM dispute resolution, Electronic equipment limit, Appraisal physical damage, No-fault PIP, Right to recover, Collision settlement, Total loss settlement, Definitions - spouse, Definitions - leased autos, Definitions - family member, Definitions - occupying, Temporary substitute auto, Part A insureds, Part A insuring agreement, Part A exclusions, Ridesharing, Livery exclusion exceptions, Auto business exclusion, Business use exclusion, Reasonable belief exclusion, Vehicle sharing, Fewer than four wheels, Regular use exclusion, Racing exclusion, Flying vehicles, Split limits calculation, Limit of liability, Other insurance, Medical payments insureds, Medical payments exclusions, Medical payments other insurance, Uninsured motor vehicle, Hit and run, UM exclusions, UM arbitration, Collision definition, Non-owned auto deductible, Part D exclusions, Custom equipment, Part D limits, Trailers and campers, Governmental confiscation, Part D valuation, Betterment, Payment of loss, Other sources of recovery, Rental car exclusion, Duties after loss, Cancellation, Nonrenewal, Automatic termination, Policy territory, Limited Mexico coverage, Transfer of interest, Two or more auto policies, Subrogation, Legal action, Residual markets, Medical payments calculation, Part D coverage, Extended non-owned coverage, Miscellaneous type vehicle
Read the Personal Auto Policy study guide
Sample questions & answers
1. Under Kentucky's Motor Vehicle Reparations Act, Kentucky's auto insurance system is best described as a:
Choice no-fault system
Kentucky motorists are deemed to accept no-fault benefits and a limitation on tort rights but may reject the limitation by a filing with the Department of Insurance, which makes Kentucky a choice no-fault state.
2. Under the Motor Vehicle Reparations Act, a Kentucky motorist who has not rejected the tort limitation is generally entitled to:
Basic reparation benefits regardless of fault
Every person suffering loss from a motor vehicle injury in Kentucky has a right to basic reparation benefits, paid without regard to fault, unless he or she rejected the tort limitation.
3. To preserve the unlimited right to sue for an auto injury in Kentucky, an insured generally must:
File the Department of Insurance rejection form
A rejection of the tort limitation must be made in writing or electronically on the Department's form and filed with the Department before the accident; it then preserves full tort rights.
4. Kentucky's minimum split-limit auto liability requirement under KRS 304.39-110 is:
25/50/25
Kentucky requires at least $25,000 per person and $50,000 per accident for bodily injury plus $25,000 for property damage (25/50/25), or a $60,000 single limit.
Practice: Personal Auto 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.
