Free Personal Automobile Policy Practice Questions
North Dakota Property & Casualty exam — 154 practice questions.
Subtopics: Split limits, Underinsured motorist, Non-owned auto, Towing and labor, Temporary substitute, Supplementary payments, Trailers, Glass damage, Custom equipment, Vandalism, Bodily injury definition, Each person limit, Cancellation nonpayment, 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, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, Medical payments, Uninsured motorist, Collision coverage, Other than collision, Transportation expenses, Newly acquired autos, Definitions, 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 25/50/25 split-limit auto policy, the third number represents the maximum the insurer will pay for:
Property damage liability per accident
In split limits, the third number is the property damage liability limit per accident.
2. Under North Dakota law, underinsured motorist coverage applies when the at-fault driver:
Has liability limits below the insured's UIM limits
N.D.C.C. 26.1-40-15.1(2) defines an underinsured motor vehicle as one whose bodily injury limit is less than, or has been reduced below, the limit of underinsured motorist coverage under the insured's policy.
3. Coverage that protects an insured while driving a borrowed car they do not own is generally provided through the policy's:
Liability coverage for use of a non-owned auto
The personal auto policy generally extends coverage to the insured's use of a non-owned auto with permission, subject to the policy terms.
4. Towing and labor coverage on a personal auto policy pays for:
Towing and on-site labor when the auto is disabled
Towing and labor coverage pays limited towing and roadside labor costs when the covered auto is disabled.
All Property & Casualty topics
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.
