Free Personal Automobile Policy Practice Questions
Maine Property & Casualty exam (series 12-ME-03) — 99 practice questions.
Subtopics: Assigned risk plan, Uninsured motorist, Coverage territory, Split limits, Permissive use, Newly acquired auto, Livery exclusion, Duties after loss, Towing and labor, Total loss settlement, Non-owned auto, Tort recovery, Combined single limit, Named non-owner, Minimum limits, Medical payments, Towing and storage, Financial responsibility, 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, Transportation network company, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, Collision coverage, Other than collision, Transportation expenses, Underinsured motorist, Newly acquired autos, Definitions, Supplementary payments, Liability exclusions, Physical damage exclusions, Policy territory, Termination, Residual market
Read the Personal Automobile Policy study guide
Sample questions & answers
1. A Maine driver who cannot obtain auto liability coverage in the voluntary market may obtain it through the:
Maine Automobile Insurance Plan (assigned risk)
Auto insurers must participate in the Maine Automobile Insurance Plan, which apportions applicants who are entitled to but cannot obtain coverage through ordinary methods.
2. Uninsured motorist coverage pays the insured's damages when the insured is injured by:
An at-fault driver who has no liability insurance
Uninsured motorist coverage responds when an at-fault driver who has no liability insurance injures the insured.
3. The PAP coverage territory generally includes the United States, its territories and possessions, and:
Canada
The PAP coverage territory generally includes the United States, its territories and possessions, and Canada.
4. In a 50/100/25 auto liability limit, the first number (50) represents the maximum the insurer pays for:
Bodily injury to any one person
The first figure in split limits is the bodily injury liability limit for any one injured person.
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.
