Free Personal Auto Policy Practice Questions
Montana Personal Lines exam — 167 practice questions.
Subtopics: Minimum auto limits, Tort state, Financial responsibility, Proof of insurance, Cancellation notice, Medical payments, Comprehensive, Collision, Who is an insured, Underinsured motorist, Transportation expense, Livery exclusion, Declarations, Deductible, Duty to defend, Towing and labor, Out-of-state provision, Eligible vehicles, Racing exclusion, Minimum PD limit, Minimum BI per accident, Named family member exclusion, Uninsured penalty, Repeat uninsured offense, Permissive users, Liability becomes absolute, Midterm premium increase, Binder, Uninsured motorist, UM limits, UM rejection on renewal, Uninsured vehicle defined, Total loss value, Auto cancellation grounds, Auto 60-day rule, Auto nonpayment notice, Statement of grounds, Auto nonrenewal notice, Nonrenewal exception, Proof of mailing, Return premium nonpayment, Mature driver discount, Mature driver duration, Driving record age, Not-at-fault claims, Choice of repair shop, Prompt vehicle damage payment, Assigned risk plan, 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, 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, Uninsured motorists, Extended non-owned coverage, Miscellaneous type vehicle
Read the Personal Auto Policy study guide
Sample questions & answers
1. Montana's compulsory motor vehicle liability insurance must provide at least these minimum limits:
25/50/20
Mont. Code Ann. 61-6-103 requires $25,000 per person and $50,000 per accident for bodily injury and $20,000 for property damage (25/50/20).
2. For auto claims, Montana is best described as a:
tort (at-fault) state
Montana requires liability insurance against liability imposed by law (Mont. Code Ann. 61-6-301) and allocates fault under comparative negligence (27-1-702); it has no no-fault PIP system.
3. A Montana driver required to prove future financial responsibility after certain violations may be asked to file a(n):
insurer-filed certificate of insurance (SR-22)
Proof of financial responsibility may be furnished by filing with the department an insurer's written certificate that a motor vehicle liability policy is in effect (Mont. Code Ann. 61-6-133), commonly called an SR-22.
4. Montana law generally requires a motorist to:
maintain minimum liability insurance and carry proof
Owners must continuously maintain liability insurance meeting 61-6-103 minimums (Mont. Code Ann. 61-6-301) and carry an insurance card or electronic proof and show it on demand (61-6-302).
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.
