Free Personal Automobile Policy Practice Questions
New Hampshire Casualty exam (series 12-85) — 99 practice questions.
Subtopics: Insurance not compulsory, Take-all-comers, Minimum liability limits, Financial responsibility amount, Uninsured accident consequences, Proof of financial responsibility, Proof after conviction, Uninsured motorist required, Uninsured motorist limits, UM on umbrella policies, UM rejection, UM property damage, Underinsured vehicle, UM release warning, Medical payments required, Medical payments, Medical payments subrogation, Permissive users, Bifurcation of claims, Absolute liability, Intra-family exclusion, Collision deductible waiver, Subrogation recoveries, Auto cancellation grounds, Auto cancellation notice, Auto cancellation notice contents, Commissioner review, Refusal to write, Prohibited auto underwriting, Credit-based decisions, Residual market, Volunteer drivers, Age discrimination, Physical examinations, Residency requirement, Repair shop choice, Repair price disputes, After-market parts, Total loss valuation, Total loss disputes, Rental during repairs, Damage estimates, Keeping a total loss, Persons insured, Physical damage, Uninsured motorists, 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. Which statement about auto liability insurance in New Hampshire is true?
Most drivers are not legally required to buy it
Unlike most states, New Hampshire does not require drivers to carry personal auto liability insurance; instead, drivers must be able to meet financial responsibility requirements, for example after an accident.
2. New Hampshire is described by its Insurance Department as a "take-all-comers" auto insurance state, meaning insurers:
Must offer coverage to anyone who requests it
The Department notes that New Hampshire is a take-all-comers state: insurers must offer auto coverage to anyone who requests it.
3. A motor vehicle liability policy issued in New Hampshire must provide at least which bodily injury and property damage limits?
$25,000/$50,000/$25,000
RSA 259:61 requires at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage.
4. When a New Hampshire driver must show proof of financial responsibility, the required amount is:
25/50/25
RSA 264:20 sets proof of financial responsibility at $25,000 per person, $50,000 per accident for bodily injury and $25,000 for property damage.
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.
