Free Personal Automobile Policy Practice Questions
Montana Property & Casualty exam — 99 practice questions.
Subtopics: Split limits, Property damage limit, Combined single limit, Permissive user, Uninsured motorist, Total loss value, Betterment, Gap exposure, At-fault recovery, Comparative negligence, Newly acquired auto, Intentional acts, Custom equipment, Minimum limits, Minimum PD limit, Minimum BI per accident, Compulsory insurance, Named family member exclusion, Proof of insurance, Uninsured penalty, Repeat uninsured offense, Prior conviction window, Permissive users, Liability becomes absolute, Midterm premium increase, Reduced limits endorsement, Binder, Accident-based premium increase, UM limits, UM rejection on renewal, Uninsured vehicle defined, Stacking, Auto cancellation grounds, Auto 60-day rule, Deductible change, Auto cancellation notice, Auto nonpayment notice, Reason request, Statement of grounds, Auto nonrenewal notice, Nonrenewal reasons request, Nonrenewal exception, Notice immunity, Notice retention, Proof of mailing, Return premium nonpayment, Mature driver discount, Mature driver duration, Mature driver conditions, Mature driver coverages, Driving record age, Not-at-fault claims, Choice of repair shop, Prompt vehicle damage payment, Assigned risk plan, Assigned risk participation, Assigned risk appeal, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, Medical payments, Collision coverage, Other than collision, Transportation expenses, Underinsured motorist, Towing and labor, Newly acquired autos, Definitions, Supplementary payments, Liability exclusions, Uninsured motorists, Physical damage exclusions, Duties after loss, Policy territory, Termination, Residual market
Read the Personal Automobile Policy study guide
Sample questions & answers
1. In a 25/50/20 split limit, the 50 represents the maximum bodily injury the insurer pays:
per accident for all persons injured
In split limits the middle number is the bodily injury limit per accident for all persons; Montana's required minimums are 25/50/20 (Mont. Code Ann. 61-6-103).
2. The third number (20) in a 25/50/20 limit applies to:
property damage liability per accident
The third number is the property damage liability limit per accident; Montana requires at least $20,000 (Mont. Code Ann. 61-6-103).
3. A combined single limit auto policy differs from split limits because it:
applies one limit to all BI and PD per accident
A combined single limit provides one total limit covering both bodily injury and property damage per accident.
4. A neighbor who borrows the insured's car with permission and causes an accident is generally:
covered as a permissive user
Montana requires an owner's policy to insure other persons using the vehicle with the express or implied permission of the named insured (Mont. Code Ann. 61-6-103(1)(b)).
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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.
