Free Personal Auto Policy Practice Questions
Maryland Personal Lines exam (series 20-29) — 197 practice questions.
Subtopics: 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, Omnibus clause, Exclusions, Named driver exclusion, Rental reimbursement, Deductible effect, Declarations page, 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, 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, Transportation expenses, Towing and labor, 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, 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, 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. Maryland's minimum required auto liability limits are:
30/60/15
Required security must provide $30,000 per person and $60,000 per accident for bodily injury and $15,000 for property damage.
2. Personal injury protection (PIP) on a Maryland auto policy is:
Included unless the first named insured waives it in writing
Maryland requires that PIP be provided unless the insured waives it in writing; PIP pays medical and related expenses regardless of fault.
3. Maryland auto policies must generally include which coverage to protect against at-fault drivers who lack adequate insurance?
Uninsured motorist coverage
Maryland requires uninsured/underinsured motorist (UM/UIM) coverage on auto policies to protect insureds harmed by inadequately insured drivers.
4. Maryland drivers unable to obtain auto coverage in the standard market may seek coverage through:
The Maryland Automobile Insurance Fund
MAIF provides required auto security to eligible Maryland persons unable to obtain it from private insurers.
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.
