Free Personal Auto Policy Practice Questions
Massachusetts Personal Lines exam — 197 practice questions.
Subtopics: PIP scope, Unlisted household operators, Limited collision, Towing and labor, Medical payments, Underinsured motorist, Deductibles, Exclusions, Rating factors, Safe driver credit, Substitute vehicle, Discounts, Compulsory BI limits, Compulsory PD limit, PIP limit, PIP wage benefits, PIP medical expenses, PIP covered persons, PIP and workers compensation, PIP deductibles, PIP claims, PIP payments, PIP subrogation, Tort exemption, Tort threshold, Collision deductible, Glass deductible, Agreed value option, Theft claims, Repair certification, Deductible waiver option, Major at-fault deductible, Property damage claims, Auto appraisal clause, Physical damage claim payment, Auto cancellation reasons, Cancellation notice content, Return premium, Termination by sale, Nonrenewal notices, Board of Appeal, Residual market eligibility, Minors and contracts, Compulsory policy exclusions, Nonpayment cancellation, Group marketing plans, UM stacking, Uninsured motorist, At-fault accidents, Experience period, Surcharge points, Comprehensive claims, Competitive market, Standards of fault, At-fault appeals, Merit Rating Board, Pre-insurance inspection, Operating uninsured, Registration revocation, Part A liability, Part B medical payments, Part C UM, Part D collision, Other than collision, Covered persons liability, Newly acquired auto, Temporary substitute, Supplementary payments, Liability exclusion intentional, Liability exclusion livery, Split limits, 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, UM arbitration, 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, Policy territory, Limited Mexico coverage, Transfer of interest, Two or more auto policies, Subrogation, Legal action, Residual markets, Medical payments calculation, Part D coverage, Uninsured motorists, Extended non-owned coverage, Miscellaneous type vehicle
Read the Personal Auto Policy study guide
Sample questions & answers
1. Massachusetts Personal Injury Protection generally pays, regardless of fault, for:
Medical expenses and lost wages regardless of fault
Under M.G.L. c.90 s.34A, PIP pays reasonable medical expenses and up to 75% of lost wages, up to $8,000 per person, without regard to fault.
2. Massachusetts limited collision coverage does not pay when the car is driven by a household member, other than the insured, who is:
Unlisted and would be an inexperienced operator
M.G.L. c.90 s.34O excludes limited collision benefits when the operator is an unlisted household member who, if listed, would be an inexperienced driver or raise the premium under the Safe Driver Insurance Plan.
3. Compared with collision coverage, optional limited collision in Massachusetts generally pays for damage to the insured auto only when:
The operator is 50% or less at fault in listed cases
Under M.G.L. c.90 s.34O(2), limited collision pays in specified cases (such as an identified at-fault driver or a rear-end hit) when the insured operator is not more than 50% at fault.
4. An optional Massachusetts auto coverage that pays for towing and on-scene labor after a disablement is:
Towing and labor coverage
Towing and labor coverage reimburses the cost of towing and limited on-scene labor when the auto is disabled.
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.
