Free Personal Auto Policy Practice Questions
Michigan Personal Lines exam (series 16-69) — 244 practice questions.
Subtopics: Auto nonrenewal notice, No-fault basis, PIP choice, PIP unlimited, PIP opt-out, PIP benefits, Residual liability, Property protection, MCCA reimbursement, Mini tort, Collision, Comprehensive, Compulsory insurance, Uninsured motorist, 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, 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 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 limit, Assigned claims proof, Auto cancellation grounds, First 55 days, Cancellation notice method, Right to appeal, 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, 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, Split limits, 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, Financial responsibility, Medical payments, 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, Uninsured motorists, Extended non-owned coverage, Miscellaneous type vehicle
Read the Personal Auto Policy study guide
Sample questions & answers
1. A Michigan insurer that will not renew an auto liability policy must mail a nonrenewal notice at least how many days before the policy ends?
20 days
Section 3204(2) requires a first-class nonrenewal notice mailed 20 days before the termination date, or the nonrenewal is treated as a cancellation.
2. Michigan personal auto insurance operates under a:
No-fault system
Michigan uses a no-fault auto system in which injured persons first look to their own coverage.
3. Since the 2019 no-fault reform, Michigan drivers may:
Choose a level of PIP medical coverage
The 2019 reform allows drivers to choose among PIP medical coverage levels rather than only unlimited.
4. One PIP medical option still available to Michigan drivers after reform is:
Unlimited medical coverage
Unlimited PIP medical coverage remains one of the choices available under the reformed law.
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.