Free Personal Automobile Policy Practice Questions
New Jersey Casualty exam — 147 practice questions.
Subtopics: Liability minimums, Property damage minimum, Limit increase notice, Uninsured penalty, Uninsured suspension, ID card, Basic PD liability, Basic BI option, Basic PIP, Basic tort option, Basic UM, Basic vs uninsured, Basic physical damage, Basic suitability, SAIP eligibility, SAIP benefits, SAIP exclusions, SAIP as uninsured, SAIP rating, SAIP cost, SAIP tort, PIP default limit, PIP options, PIP catastrophic, PIP deductibles, PIP copayment, PIP copay math, Health insurer primary, Lapsed health coverage, Income continuation, Essential services, Funeral benefit, Declining extra PIP, PIP primacy, Pedestrian PIP, Collateral source, PIP exclusions, Uninsured owner, DWI bar, PIP payment time, PIP extension, Provider notice, PIP disputes, Tort election form, Tort at renewal, Permanent injury, Physician certification, Economic loss suits, Producer immunity, Immunity exception, UM/UIM ceiling, Stacking, UM property deductible, UIM trigger, UIM math, UIM exhaustion, Uninsured vehicle defined, UM rates, Deemer statute, Buyer's Guide, Annual guide, Selection form effect, Bill of Rights, Deductible default, Deductible range, Midterm changes, Underwriting cancellation, Cancellation reasons, Cancellation notice, Nonpayment notice, Auto nonrenewal notice, Nonrenewal content, Notice mailing, 2 percent rule, 2-for-1 rule, Nonrenewal standards, Producer book limit, Insurance score, Eligibility points, Inexperienced operator, Eligibility vs MVC points, Eligible person, At-fault accident, PAIP nature, PAIP rates, Plan participation, PAIP market cap, PAIP and eligible persons, UEZ program, UEZ agent, Physical damage inspection, Repair shop choice, Settlement payee, Total loss value, Payment after acceptance, Substantially similar, Municipal court condition, Defensive driving, UCJF administration, 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. For a New Jersey Standard auto policy issued or renewed in 2026, the minimum bodily injury liability limits are:
$35,000 per person and $70,000 per accident
For plans issued or renewed on or after January 1, 2026, New Jersey requires at least $35,000 per person and $70,000 per accident for bodily injury liability.
2. The minimum property damage liability limit required on a New Jersey Standard auto policy issued or renewed in 2026 is:
$25,000 per accident
Since January 1, 2023, Standard policies must carry at least $25,000 of property damage liability per accident.
3. When a New Jersey auto policy is renewed and its old limits no longer meet the increased statutory minimums, the insurer must:
Notify the named insured which limits were raised to meet the law
At renewal the insurer raises the limits and must notify the named insured of the increased limits; a signed coverage selection form is not required for that increase.
4. For a first offense of driving an uninsured vehicle in New Jersey, the owner faces a fine of:
$300 to $1,000 plus community service
A first offense brings a $300 to $1,000 fine and community service, and the court may suspend driving privileges for up to one year.
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.
