Free Personal Automobile Policy Practice Questions
Maryland Property & Casualty exam (series 20-32) — 115 practice questions.
Subtopics: Tort vs no-fault, UM waiver, Underinsured motorist, PIP scope, Combined single limit, 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 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, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, Medical payments, Uninsured motorist, Collision coverage, Other than collision, Transportation expenses, 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. With respect to auto insurance, Maryland is best described as:
A fault-based (tort) state that also requires PIP unless waived
Maryland keeps tort liability (with contributory negligence) but requires auto policies to include PIP benefits unless the first named insured waives them in writing, an "add-on" approach.
2. Maryland requires uninsured motorist limits on a private passenger auto policy to equal its liability limits. An insured may choose lower UM limits only by:
An affirmative written waiver on the required form
Unless waived under § 19-510, UM must equal liability limits; the waiver must be an affirmative written waiver on the Commissioner's form after written notice of its nature, benefit, and cost.
3. In general, underinsured motorist coverage responds when the at-fault driver:
Has liability limits too low to cover the loss
Underinsured coverage applies when the at-fault vehicle has some liability coverage but less than the insured's coverage; Maryland's UM definition includes vehicles whose limits are less than the insured's UM coverage.
4. Personal injury protection (PIP) on a Maryland auto policy generally pays:
Medical expenses and 85% of lost income, regardless of fault
Maryland PIP pays at least $2,500 for medical and related expenses, 85% of lost income, and essential services, without regard to fault.
All Property & Casualty topics
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.
