Free Personal Automobile Policy Practice Questions
Kentucky Property & Casualty exam — 95 practice questions.
Subtopics: Choice no-fault, Minimum auto limits, Declarations, Part A liability, Basic reparation benefits, Part C uninsured motorists, Supplementary payments, Part B medical payments, Part D physical damage, Split limits, Exclusions, Trailers, Named non-owner, Rental reimbursement, Subrogation, Auto cancellation, Auto nonrenewal, Auto underwriting, Auto premium, Arbitration, Auto renewal notice, Claim drafts, Residual market, Auto glass, Minimum limits, Tort threshold, Tort rejection, Motorcycles, BRB priority, Added reparation benefits, BRB deductibles, BRB payment, Assigned claims plan, Limitation of actions, Net loss, Required security, Uninsured motorists, Underinsured motorists, Policy structure, Physical damage, Definition of insured, Optional coverages, Liability coverage, Medical payments, Uninsured motorist, Collision coverage, Other than collision, Transportation expenses, Underinsured motorist, Towing and labor, Newly acquired autos, Definitions, Liability exclusions, Physical damage exclusions, Duties after loss, Policy territory, Termination
Read the Personal Automobile Policy study guide
Sample questions & answers
1. Kentucky's auto reparations system, established by the Motor Vehicle Reparations Act, is best classified as a:
Choice no-fault system
Under the Motor Vehicle Reparations Act, motorists are deemed to accept no-fault basic reparation benefits and a limit on tort rights, but each person may file a written rejection of the tort limitation, so Kentucky is a choice no-fault state.
2. Kentucky's minimum split-limit auto liability requirement under the Motor Vehicle Reparations Act is:
25/50/25
KRS 304.39-110 requires $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage (25/50/25), or a single limit of at least $60,000.
3. The declarations page of a personal auto policy contains:
The named insured, covered autos, coverages, and limits
The declarations page identifies the named insured, the covered autos, the coverages selected, and the applicable limits.
4. Part A (liability) of the personal auto policy pays:
Damages an insured becomes legally responsible for due to bodily injury or property damage to others
Part A pays sums the insured is legally liable to pay others for bodily injury or property damage arising from an auto 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.
