Free Commercial Automobile Policy Practice Questions
Michigan Property & Casualty exam (series 16-81) — 42 practice questions.
Subtopics: Commercial auto, Employer-furnished vehicle, Passengers for hire, TNC PIP limits, Commercial PIP required, EIA and fleets, Covered auto symbols, Hired and non-owned, Federal motor carrier, Physical damage, Mobile equipment, Carrier regulations, Hired auto physical damage, Symbol 2 owned autos, Liability coverage, Trailer interchange, Garagekeepers, Drive other car, Rental reimbursement, Pollution liability, Who is an insured, Specified causes of loss, Symbol 8 hired autos, Newly acquired autos, Supplementary payments, Liability exclusions, Motor carriers
Read the Commercial Automobile Policy study guide
Sample questions & answers
1. A commercial auto policy covers:
A business's vehicles and related liability
Commercial auto covers a business's owned, hired, and non-owned vehicles and related liability.
2. An employee injured while occupying a vehicle owned or registered by the employer receives Michigan PIP benefits from:
The insurer of the employer's vehicle
Section 3114(3) directs an employee injured while an occupant of a vehicle owned or registered by the employer to the insurer of the furnished vehicle.
3. An operator or passenger injured in a Michigan vehicle operated in the business of transporting passengers generally receives PIP from:
The insurer of that vehicle
Section 3114(2) provides PIP from the insurer of the vehicle, except for listed vehicles such as school buses and taxicabs unless no other policy applies.
4. When a transportation network company buys Michigan PIP coverage for TNC vehicles, it may NOT choose:
The $50,000 Medicaid option
Section 3107c(7) limits a transportation network company to the $250,000, $500,000, or unlimited options.
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Practice: Commercial 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.
