Free Personal Automobile Policy Practice Questions
Massachusetts Property & Casualty exam — 120 practice questions.
Subtopics: Auto cancellation notice, Safe Driver Insurance Plan, Compulsory insurance, Residual auto market, Auto rate regulation, No-fault, Personal Injury Protection, Compulsory BI limits, Compulsory PD limit, PIP limit, Tort threshold, Policy form approval, Uninsured motorist, Optional bodily injury, Collision, Comprehensive, Loss of use coverage, PIP wage benefits, PIP medical expenses, PIP covered persons, PIP and workers compensation, PIP deductibles, PIP claims, PIP payments, PIP subrogation, Tort exemption, Collision deductible, Glass deductible, Agreed value option, Theft claims, Repair certification, Limited collision, 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, 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, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, Medical payments, 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, Policy territory, Termination, Residual market
Read the Personal Automobile Policy study guide
Sample questions & answers
1. Except where the law allows otherwise, a Massachusetts insurer cancelling a motor vehicle liability policy must give written notice stating the specific reason at least how long before the cancellation date?
20 days
M.G.L. c.175 s.113A(2) requires written notice giving the specific reason at least 20 days before the intended effective date of cancellation; 211 CMR 97.04 repeats the 20-day rule.
2. The Massachusetts Safe Driver Insurance Plan affects private passenger auto premiums by:
Adjusting premiums for at-fault incidents and clean years
Under 211 CMR 134.00, surchargeable incidents such as at-fault accidents and traffic violations raise premiums, while operators earn credit points for each incident-free year.
3. In Massachusetts, before a motor vehicle may be registered, the owner generally must:
Carry the compulsory motor vehicle insurance
Under M.G.L. c.90 s.1A, a motor vehicle may not be registered unless the application is accompanied by a certificate showing compulsory motor vehicle liability insurance.
4. Massachusetts drivers who cannot obtain coverage in the voluntary auto market are generally placed through:
A residual market plan administered by Commonwealth Automobile Reinsurers
M.G.L. c.175 s.113H requires auto insurers to maintain a plan for applicants unable to obtain voluntary coverage; Commonwealth Automobile Reinsurers (CAR) is the industry-operated residual market for Massachusetts motor vehicle insurance.
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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.
