Free Personal Automobile Policy Practice Questions
New Jersey Property & Casualty exam — 153 practice questions.
Subtopics: No-fault, PIP, Policy types, Lawsuit options, Limited tort, Full tort, Default tort, Threshold injuries, Basic PIP, Standard PIP, Residual market, UM coverage, Deemer statute, Liability minimums, Property damage minimum, Limit increase notice, Uninsured penalty, Uninsured suspension, ID card, Basic PD liability, Basic BI option, 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, 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, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, Medical payments, Uninsured motorist, Collision coverage, Other than collision, Transportation expenses, Underinsured motorist, Towing and labor, Newly acquired autos, Definitions, Supplementary payments, Liability exclusions, Uninsured motorists, Physical damage exclusions, Duties after loss, Policy territory, Termination
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Sample questions & answers
1. New Jersey is best described as which type of auto insurance state?
A no-fault state using personal injury protection
New Jersey is a no-fault state where PIP pays an insured's medical costs regardless of fault.
2. Personal Injury Protection (PIP) in a New Jersey auto policy pays for the insured's:
Medical expenses regardless of fault
PIP pays the insured's medical expenses (and certain other costs) without regard to fault.
3. New Jersey drivers generally choose between which two auto policy types?
The Standard Policy and the Basic Policy
New Jersey offers a Standard Policy and a lower-cost Basic Policy with more limited benefits.
4. On a New Jersey Standard auto policy, the insured must choose between which lawsuit options?
Limitation on Lawsuit and No Limitation on Lawsuit
Standard policyholders elect the Limitation on Lawsuit option or the No Limitation on Lawsuit option.
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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.
