Free Personal Auto Policy Practice Questions
Maine Personal Lines exam (series 12-ME-55) — 179 practice questions.
Subtopics: Mandatory UM/UIM, Mandatory medical payments, Financial responsibility, SR-22 filing, Policy parts, Medical payments, Collision coverage, Other than collision, Covered auto, Deductible, Transportation expenses, Supplementary payments, Liability exclusions, Racing exclusion, Split limits, Property damage liability, Underinsured motorist, Family member, Minimum limits, Towing and storage, Excluded drivers, Reportable accident, Uninsured motorists, Underinsured motorists, Family exclusion, Age discrimination, Volunteer drivers, Mature driver discount, Motorcycle passengers, Total loss valuation, Sales tax credit, Rental vehicle coverage, Medical payments subrogation, Agency termination, Assigned risk plan, Transportation network company, Part A liability, Part B medical payments, Part C UM, Part D collision, Covered persons liability, Newly acquired auto, Temporary substitute, Liability exclusion intentional, Liability exclusion livery, 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, 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, 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, Extended non-owned coverage, Miscellaneous type vehicle
Read the Personal Auto Policy study guide
Sample questions & answers
1. Unlike many states, Maine requires private passenger auto policies to include:
Uninsured and underinsured motorist
Maine requires auto policies to provide uninsured and underinsured motorist coverage to protect insureds against inadequately insured drivers.
2. In addition to liability and uninsured motorist coverage, Maine auto policies are generally required to provide a minimum amount of:
Medical payments coverage
Maine auto liability policies must include medical payments coverage of at least $2,000 per person for the driver and passengers.
3. Maine's financial responsibility law generally requires a driver to:
Maintain required liability insurance or proof
The financial responsibility law requires drivers to show they can pay for damage they cause, usually by carrying liability insurance.
4. A Maine driver required to give proof of financial responsibility after a violation can do so by filing with the Secretary of State a(n):
Certificate from an insurer or surety company
Proof of financial responsibility may be given by filing an insurance or surety company certificate with the Secretary of State, or by depositing money or securities.
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.
