Free Personal Automobile Policy Practice Questions
Michigan Casualty exam (series 16-68) — 164 practice questions.
Subtopics: Required coverages, When security required, Storage coverage, Motor vehicle defined, Owner defined, Default BI limits, Lowest BI option, Property damage limit, No BI selection, BI form contents, Named excluded driver, Excluded driver PIP, Residual territory, Residual liability uses, PIP no-fault, PIP medical options, Default PIP, Medicaid option, PIP opt-out, VA coverage, QHC deductible 2026, QHC requirements, Losing QHC, Gap injury, Who selection covers, Stacking, Attendant care rider, Opt-out non-medical PIP, Work loss period, Work loss tax reduction, Replacement services, Funeral benefit, Work loss waiver, Survivor's loss, Stolen vehicle, Uninsured owner, PIP priority - own policy, Pedestrian with no policy, Motorcyclist priority, Motorcycle security, Overdue PIP, PIP interest, Late medical bills, PIP suit deadline, One-year-back rule, PPI suit deadline, Provider fee schedule, PIP rate rollback, PPI limit, PPI moving vehicles, PPI territory, PPI own property, PPI measure, PPI fault, Tort threshold, Serious impairment, Comparative fault bar, Uninsured plaintiff, Excess economic loss, Mini-tort amount, Mini-tort court, Mini-tort coverage, Mini-tort with collision, MCCA membership, MCCA indemnity, MCCA retention, MCCA reimbursement share, MCCA fee, MAIPF purpose, MAIPF participation, MAIPF annual notice, Assigned claims eligibility, Assigned claims limit, Assigned claims proof, Auto cancellation grounds, First 55 days, Cancellation notice method, Right to appeal, Auto nonrenewal notice, Nonpayment cancellation, Cancellation warning, Prepaid 6-month policy, Short rate allowed, Age 65 protection, Auto eligible person, Eligibility points limit, Eligibility points - speeding, Drunk driving ineligibility, Auto fraud ineligibility, Prohibited rating factors, ZIP code rating, Allowed PIP factor, Merit rating, Substantially at fault, Senior discount, Comp deductible rule, Prior insurance certification, Military lapse, Auto rate approval, Annual point system notice, Private passenger scope, Collision options offered, Limited collision, Broad form collision, Rejecting collision, Repair shop choice, Aftermarket parts, Auto fire report, UM optional, TNC exclusion, Uninsured driving penalty, Nonresident vehicles, Proof of insurance, Electronic proof, False proof, Certificate per vehicle, Persons insured, Physical damage, Uninsured motorists, Medical payments, PAP structure, Your covered auto, Newly acquired auto, Family member, You and your, Part A exclusions, Supplementary payments, Out of state coverage, Other insurance, 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. Which three coverages must every Michigan auto insurance policy include?
PIP, property protection, and residual BI/PD liability
Section 3101(2) requires every auto policy to include personal protection insurance, property protection insurance, and residual liability insurance.
2. Michigan requires no-fault security on a registered motor vehicle only during the period the vehicle is:
Driven or moved on a highway
Section 3101(1) provides that security is only required to be in effect during the period the motor vehicle is driven or moved on a highway.
3. For a vehicle that is not driven or moved on a highway, a Michigan auto insurer may delete coverages from the policy while keeping:
Comprehensive coverage
Section 3101(2) allows an insurer to delete portions of coverage and maintain the comprehensive portion on a vehicle not driven or moved on a highway.
4. Under Michigan's no-fault act, which of these is NOT a "motor vehicle"?
A motorcycle
Section 3101(3)(i) defines motor vehicle as a vehicle, including a trailer, with more than 2 wheels and excludes motorcycles, mopeds, ORVs, golf carts, and others.
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.
