Free Personal Automobile Policy Practice Questions
Maryland Casualty exam (series 20-26) — 136 practice questions.
Subtopics: Minimum liability limits, Minimum property damage limit, Required security components, Registration and insurance, Lapse penalty, Lapse penalty after 30 days, Registration suspension, Driving uninsured, Unsatisfied judgments, PIP minimum benefit, PIP income benefit, PIP expense period, PIP essential services, PIP and fault, Who PIP covers, PIP waiver, Who is bound by PIP waiver, Refusal to waive PIP, PIP claims and premium, PIP subrogation, PIP payment timing, Overdue PIP interest, PIP filing period, PIP exclusions, PIP on motorcycles, UM required, UM equal to liability, UM limits range, UM property damage, UM arbitration, Insolvent liability insurer, Enhanced UIM, Enhanced UIM benefit, Standard UM offset, UM settlement consent, UM refusal to consent, Collision deductible offer, Rental car collision, Family member liability, Transportation network exclusion, Intercompany arbitration, MAIF purpose, MAIF eligibility, MAIF eligibility (uninsured), MAIF appeals, MAIF producer commission, Leaving MAIF, MAIF uninsured division limits, MAIF claim notice, Industry Automobile Insurance Association, Auto nonrenewal notice, Auto midterm cancellation, Right of protest, Auto notice content, Auto premium increase notice, Named driver exclusion offer, Three-year lookback, Credit history (auto), Prior MAIF coverage, Uninsured penalty warning, Tort vs no-fault, UM waiver, Underinsured motorist, PIP scope, Newly acquired auto, Temporary substitute auto, Non-owned auto, Coverage territory, Duties after a loss, Other insurance, Trailer coverage, Your covered auto, Loss settlement basis, Minimum auto liability, Required PIP, Required UM/UIM, Residual auto market, Financial responsibility, Midterm cancellation limits, Proof after violations, Liability coverage, Split limits, Medical payments, Collision coverage, Comprehensive coverage, Uninsured motorist, Exclusions, Named driver exclusion, Persons insured, Physical damage, Uninsured motorists, PAP structure, Family member, You and your, Part A exclusions, Supplementary payments, Out of state coverage, 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, Policy territory, 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. Maryland's required security for a motor vehicle must provide bodily injury liability of at least:
$30,000 per person and $60,000 per accident
The security required under Transportation Article § 17-103 must pay bodily injury claims up to $30,000 for one person and $60,000 for two or more persons, plus interest and costs.
2. Maryland's minimum required auto liability coverage for damage to the property of others in one accident is:
$15,000
The required security must cover property of others damaged or destroyed in an accident up to $15,000, plus interest and costs, giving the 30/60/15 minimum.
3. Besides 30/60/15 liability, Maryland's required auto security must include which of the following?
Uninsured motorist coverage, plus PIP unless waived or rejected
Section 17-103(b) requires liability limits, the § 19-505 PIP benefits unless waived or rejected, and the § 19-509 or § 19-509.1 uninsured/underinsured motorist coverage.
4. The Maryland Motor Vehicle Administration will not issue or transfer a vehicle registration unless the owner:
Furnishes satisfactory evidence that the required security is in effect
The MVA may not issue or transfer a registration without satisfactory evidence of required security, and the owner must maintain that security throughout the registration period.
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.
