Free Personal Auto Policy Practice Questions
North Dakota Personal Lines exam — 232 practice questions.
Subtopics: Liability coverage, Medical payments, Uninsured motorist, Collision, Comprehensive, Deductible, Duties after loss, Covered auto, Family member, Exclusions, No-fault benefits, Transportation expense, Combined single limit, Loss settlement, 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, 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 insureds, Medical payments exclusions, Medical payments other insurance, Uninsured motor vehicle, Hit and run, 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, 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. Part A (liability coverage) of the personal auto policy pays for:
Damages for BI or PD the insured is liable for
Auto liability coverage pays for bodily injury and property damage the insured causes to others.
2. Medical payments coverage (Part B) of a personal auto policy generally pays:
Medical expenses of insureds, regardless of fault
Medical payments coverage pays reasonable medical expenses for the insured and passengers regardless of who was at fault.
3. Uninsured motorist coverage (Part C) responds when the insured is injured by:
An at-fault driver who has no liability insurance
Uninsured motorist coverage pays the insured for injuries caused by an at-fault driver who has no liability insurance.
4. Collision coverage under the personal auto policy pays for damage to the insured's covered auto caused by:
Upset or impact with another vehicle
Collision coverage pays for damage to the covered auto from impact with another vehicle or object, or from upset.
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.
