Free Personal Auto Policy Practice Questions
Louisiana Personal Lines exam — 174 practice questions.
Subtopics: Minimum auto limits, UM coverage, Liability coverage, Medical payments, Collision, Other than collision, Split limits, Uninsured motorists, Definition of insured, Exclusions, Livery exclusion, Supplementary payments, Deductible, Towing and labor, Single limit, Rental reimbursement, 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, Total loss valuation, Part A liability, Part B medical payments, Part C UM, Part D collision, Covered persons liability, Newly acquired auto, Temporary substitute, Liability exclusion intentional, Liability exclusion livery, Transportation expenses, 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, Financial responsibility, Medical payments insureds, Medical payments exclusions, Medical payments other insurance, Uninsured motor vehicle, Hit and run, UM exclusions, 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, 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. Louisiana's minimum required automobile liability limits under R.S. 32:900 are:
15/30/25
R.S. 32:900(B)(2) requires 15/30/25: $15,000 per person and $30,000 per accident bodily injury, and $25,000 property damage.
2. In Louisiana, uninsured/underinsured motorist (UM/UIM) coverage must be offered, and to reduce or reject it the insured generally must:
Sign the commissioner's UM form
R.S. 22:1295 requires UM at the bodily injury limits unless the named insured rejects it, selects lower limits, or selects economic-only coverage on the commissioner-prescribed form.
3. The liability coverage part (Part A) of the Personal Auto Policy pays for:
Liability for injury or damage the insured causes others
Part A (Liability) covers the insured's legal responsibility for bodily injury and property damage to others.
4. Medical payments coverage under the PAP pays for:
Reasonable medical expenses for the insured and passengers regardless of fault
Medical payments coverage pays reasonable and necessary medical expenses for the insured and passengers regardless of fault.
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.
