Free Personal Automobile Policy Practice Questions
New Hampshire Property & Casualty exam (series 12-64) — 106 practice questions.
Subtopics: Financial responsibility, Covered auto, Definition of insured, Supplementary payments, Out-of-state coverage, Coverage territory, Underinsured motorist, Stacking, Duties after loss, Other insurance, Transportation expenses, Named non-owner, Per person limit, Cancellation by insured, 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, Policy structure, Physical damage, Optional coverages, Exclusions, Liability coverage, Uninsured motorist, Collision coverage, Other than collision, Towing and labor, Newly acquired autos, Definitions, Liability exclusions, Uninsured motorists, Physical damage exclusions, Policy territory, Termination
Read the Personal Automobile Policy study guide
Sample questions & answers
1. Although New Hampshire does not require most drivers to buy auto liability insurance, an at-fault driver who causes an accident must still:
Furnish security or face license suspension
Under RSA 264:3 an uninsured owner or driver in a reportable accident has license and registration suspended until security for possible judgments is furnished and future financial responsibility is proved.
2. On a personal auto policy, the term "your covered auto" generally includes:
Declared autos and newly acquired autos
Your covered auto generally includes vehicles listed in the declarations, owned trailers, and certain newly acquired or temporary substitute autos.
3. Under the liability coverage of a personal auto policy, the term insured generally includes:
The named insured and resident relatives
The insured generally includes the named insured and resident family members, plus permissive users, for covered autos.
4. Supplementary payments under the liability coverage of a personal auto policy typically include:
Bail bond costs, beyond the limit
Supplementary payments, such as defense costs and bail bonds, are generally paid in addition to the policy's limit of liability.
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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.
