Free Commercial Automobile Policy Practice Questions
Louisiana Casualty exam — 49 practice questions.
Subtopics: Commercial auto UM, Commercial named exclusions, Motor carrier limits, 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. Under R.S. 22:1295(7), if a commercial auto insured makes no UM selection on the commissioner's form and pays no premium for UM:
No UM coverage is presumed to be selected
R.S. 22:1295(7) gives commercial auto insureds the option of selecting UM; with no selection and no UM premium, it is presumed no UM was selected.
2. Under R.S. 32:900(B)(2)(d), an owner may exclude a named person as an insured under a commercial auto policy only if:
Equal coverage for that person is kept in force
R.S. 32:900(B)(2)(d) permits the exclusion if the owner obtains and maintains another policy providing equal coverage for the excluded person, both primary and excess.
3. Under R.S. 32:900(M), a motor carrier vehicle over 20,000 but not over 50,000 pounds gross weight must carry bodily injury liability of at least:
$25,000 per person
R.S. 32:900(M)(1)(a)(i) requires $25,000 for bodily injury or death of one person for vehicles over 20,000 up to 50,000 pounds.
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.
