Free Personal Automobile Policy Practice Questions
Louisiana Property & Casualty exam — 97 practice questions.
Subtopics: Minimum auto limits, UM rejection, Liability coverage, Permissive user, Total loss, Named driver exclusion, Financial responsibility, Coverage territory, UM property damage, Newly acquired auto, Gap coverage, Tort state, Split limits, Stacking, Betterment, 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, Excluded driver moves out, UM default limits, UM selection form, Economic-only UM, UM form duration, UM anti-stacking, UM priority, Excess UM, 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, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Medical payments, Uninsured motorist, Collision coverage, Other than collision, Transportation expenses, Underinsured motorist, Towing and labor, Newly acquired autos, Definitions, Supplementary payments, Liability exclusions, Uninsured motorists, Physical damage exclusions, Duties after loss, Termination, Residual market
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Sample questions & answers
1. Louisiana's compulsory motor vehicle liability limits under R.S. 32:900 are:
15/30/25
R.S. 32:900(B)(2) requires $15,000 per person and $30,000 per accident for bodily injury and $25,000 for property damage.
2. To validly reject uninsured/underinsured motorist coverage in Louisiana, the insured generally must:
Sign the commissioner's UM form
R.S. 22:1295(1)(a)(ii) requires rejection, lower limits, or economic-only UM to be made only on the commissioner-prescribed form signed by the named insured or legal representative.
3. The liability section of a personal auto policy responds when the insured is legally responsible for:
Bodily injury or property damage to others
Auto liability coverage pays for bodily injury and property damage the insured causes to others.
4. A friend who borrows the insured's car with permission and causes an accident is generally:
Covered as a permissive user under the policy
A permissive user driving with the insured's consent is generally covered under the auto policy's liability coverage.
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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.
