Free Personal Automobile Policy Practice Questions
North Dakota Casualty exam — 148 practice questions.
Subtopics: Auto policy defined, New auto policies, Auto cancellation reasons, Excluding a suspended driver, Car pools, Deductible change, Auto cancellation notice, Reason for cancellation, Auto nonrenewal notice, Auto nonrenewal exceptions, Assigned risk notice, Proof of notice, Auto declination, Age, sex, marital status, Auto declination reasons, Minor's driving privileges, Auto sanctions, Auto warranty contracts, UM required, UIM limits, Higher UM limits, Hit-and-run, Uninsured vehicle defined, UM exclusions, Underinsured vehicle defined, UM/UIM reductions, Stacking, UM priority, UIM settlement, UM limitations, UIM exhaustion, UM arbitration, UM on umbrellas, UM limit selection, UM attorney fees, Named driver exclusion, Excluded driver liability, Restrictive endorsement, Family members, Loaner vehicles, Rental car coverage, Rental loss of use, Rental vehicle types, Rental deposits, Total loss notice, Proof of insurance, Accident surcharge, Accident prevention discount, Auto insurance plan, Minimum liability limits, Compulsory insurance, Uninsured owner, Driving uninsured, Uninsured driver deductible, Certified policy cancellation, Proof of financial responsibility, Cash deposit, Binder as proof, Liability after injury, Basic no-fault limit, Work loss, Weekly cap, Funeral benefits, Replacement services, Economic loss, Medical expenses, Serious injury threshold, Secured person exemption, Who gets no-fault benefits, No-fault territory, No-fault exclusions, Motor vehicle defined, Accidental bodily injury, Optional excess no-fault, Overdue benefits, Late billing, Suspension of coverage, No-fault stacking, No-fault priority, Bus passengers, Coordination with WSI, No-fault subrogation, Assigned claims plan, No-fault statute of limitations, Physical examinations, Out-of-state accidents, Coordination of benefits, 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. North Dakota's auto cancellation and nonrenewal protections in 26.1-40 do NOT apply to a policy that:
Insures more than six motor vehicles
N.D.C.C. 26.1-40-01(3) excludes policies in effect less than sixty days (unless renewals), assigned risk plan policies, policies insuring more than six vehicles, garage and dealer policies, and excess-only policies.
2. North Dakota's limits on the reasons an insurer may cancel a personal auto policy begin to apply once the policy has been in effect for at least:
60 days
N.D.C.C. 26.1-40-01(3) excludes from the definition of "policy" any policy in effect less than sixty days when the cancellation notice is mailed, unless it is a renewal.
3. Which is a permitted reason for a North Dakota insurer to cancel a personal auto policy in force more than 60 days?
The named insured's driver's license was suspended
N.D.C.C. 26.1-40-02(1)(b) allows cancellation when the license or registration of the named insured or a household or customary driver has been suspended, revoked, canceled, or rescinded during the policy period or 180 days before a renewal.
4. Before canceling a North Dakota auto policy because a household driver's license was suspended, the insurer must:
Tell the named insured the driver could be excluded
N.D.C.C. 26.1-40-02(1)(b) bars cancellation when the suspended operator is excluded and requires the insurer to notify the named insured of the possibility of excluding that operator before canceling.
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.
