Free Personal Automobile Policy Practice Questions
Louisiana Casualty exam — 89 practice questions.
Subtopics: Auto cancellation scope, Permitted auto cancellation, Auto cancellation notice, Auto nonpayment notice, Auto nonrenewal notice, Age-based cancellation, Single claim, Assigned risk notice, Returned premium check, Reinstatement after returned check, Deductible after claims, License suspension look-back, Older drivers, Short-term auto policies, Compulsory limits, Duty to maintain security, Alternative security, No pay, no play, No pay, no play exceptions, Policy territory, Permissive users, Named driver exclusion, Excluded driver moves out, UM default limits, UM selection form, Economic-only UM, UM form duration, UM anti-stacking, UM priority, Excess UM, UM property damage, No-contact accidents, Insolvent liability insurer, Underinsured vehicles, Owned but unlisted vehicles, UM arbitration, Third-party loss of use, Rental for insureds, Repair shop choice, Repair steering fines, Total loss valuation, 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, 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. Louisiana's personal auto cancellation and nonrenewal rules in R.S. 22:1266 do NOT apply to a policy that:
Insures more than four automobiles
R.S. 22:1266(A)(5) excludes assigned risk policies, policies insuring more than four automobiles, and garage-type operations.
2. After a Louisiana personal auto policy has been in effect 60 days (or on a renewal), which is a valid reason for the insurer to cancel?
Suspension of the named insured's driver's license
R.S. 22:1266(B)(1) limits cancellation to nonpayment, suspension or revocation of a household or customary driver's license or registration, fraud in a claim, or nonreceipt of an application under a binder.
3. Effective July 1, 2026, a Louisiana personal auto cancellation for a reason other than nonpayment must be:
Sent by certified mail or delivered at least 60 days ahead
R.S. 22:1266(D)(1), as amended by Acts 2025, No. 182, requires certified mail or delivery at least sixty days before the effective date (ten days for nonpayment).
4. To cancel a Louisiana personal auto policy for nonpayment of premium, the insurer must give:
At least 10 days' notice stating the reason
R.S. 22:1266(D)(1) requires at least ten days' notice accompanied by the reason for nonpayment cancellations; certified mail is not required.
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.
