Free Personal Automobile Policy Practice Questions
Nebraska Casualty exam (series 13-23) — 113 practice questions.
Subtopics: Choice of repair shop, Deductible recovery, Third-party claimants, Repair estimates, Copy of estimate, Towing charges, Storage charges, Betterment and depreciation, Aftermarket parts disclosure, Aftermarket parts quality, Aftermarket parts definition, Travel for estimates, Minimum liability limits, Per-accident bodily injury, Property damage minimum, Compulsory insurance, Penalty for no insurance, Producing proof later, Electronic proof, Registration, SR-22, SR-22 electronic filing, Forms of proof, Cash deposit, Self-insurance, Certified policy cancellation, Accident security, Unsatisfied judgments, Omnibus clause, Territory, Binder as proof, Absolute liability, UM/UIM required, UM/UIM minimum limits, Higher UM/UIM limits, Stacking, Multiple policies, Priority of UM coverage, Hit-and-run no contact, Insolvent insurer as uninsured, UIM settlement notice, UM and medical payments, UM exclusions, Umbrella and UM, Uninsured vehicle definition, Permissive occupants, Auto cancellation reasons, New auto policies, Auto cancellation notice, Auto nonpayment notice, Auto notice method, Auto nonrenewal notice, Reason for cancellation, Assigned risk notice, Proof of mailing, Auto policies covered, Other auto cancellation, Salvage definition, Salvage title, Owner retains salvage, TNC engaged coverage, TNC app-on coverage, Who provides TNC insurance, Personal auto TNC endorsement, TNC proof of insurance, 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. Under Nebraska law, an auto insurer may NOT require an insured to use a particular repair shop, but if the insured chooses a shop other than the one with the lowest estimate, the insurer:
Is not liable for cost above the lowest estimate for like kind and quality repair
Section 44-1540(16) bars requiring a particular repair company or location, but the insurer is not liable for cost exceeding the lowest estimate for like kind and quality repair.
2. When a Nebraska auto insurer pursues subrogation against an at-fault driver, it must generally:
Include the insured's deductible in the subrogation demand
210 NAC 60-009.03 requires insurers to include the first-party claimant's deductible in subrogation demands and share recoveries proportionately, unless the claimant asks otherwise.
3. When liability and damages are reasonably clear, a Nebraska auto insurer may NOT:
Recommend that a third-party claimant file under the claimant's own policy to avoid paying
210 NAC 60-009.01 prohibits recommending that third-party claimants make claim under their own policies solely to avoid, delay, or defer paying claims.
4. A Nebraska claimant's shop estimate is higher than the estimate the insurer prepared. Under the claims rule, the insurer may do any of the following EXCEPT:
Refuse to discuss the difference with the claimant
210 NAC 60-009.04 lets the insurer pay the difference, provide the name of a quality shop that will repair for its estimate, or negotiate with the claimant's shop.
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.
