Free Personal Auto Policy Practice Questions
New Hampshire Personal Lines exam (series 12-86) — 183 practice questions.
Subtopics: Liability coverage, Medical payments, Uninsured motorist, Collision, Comprehensive, Split limits, Permissive use, Exclusions, Towing and labor, Rental reimbursement, Newly acquired auto, Non-owned auto, Physical damage deductible, Total loss settlement, 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 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, Part A liability, Part B medical payments, Part C UM, Part D collision, Other than collision, Covered persons liability, Temporary substitute, Supplementary payments, Liability exclusion intentional, Liability exclusion livery, Transportation expenses, Loss settlement physical damage, Duties after accident, Territory, Covered auto definition, Trailers coverage, 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, 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, UM exclusions, UM arbitration, 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, Duties after loss, 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 a personal auto policy pays for:
Bodily injury and property damage the insured causes to others
Part A liability pays for bodily injury and property damage the insured becomes legally responsible for to others.
2. Medical payments coverage under a personal auto policy generally pays:
Insureds' medical bills, regardless of fault
Medical payments coverage pays reasonable medical expenses for the insured and passengers without regard to fault.
3. Uninsured motorist coverage under a personal auto policy protects the insured when:
An at-fault driver has no liability insurance
Uninsured motorist coverage pays for the insured's injuries caused by an at-fault driver who has no liability insurance.
4. Collision coverage under a personal auto policy pays for damage to the insured's vehicle caused by:
Impact with a vehicle or object
Collision coverage pays for damage to the insured's auto resulting from impact with another vehicle or object.
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.
