Free Personal Auto Policy Practice Questions
Oklahoma Personal Lines exam — 188 practice questions.
Subtopics: Tort system, Minimum auto limits, UM coverage, Financial responsibility, Proof of insurance, Auto assigned risk plan, Compulsory insurance, Liability coverage, Medical payments, Uninsured motorist, Collision, Comprehensive, Deductible, Duties after loss, Covered auto, Family member, Exclusions, Split limits, Transportation expense, Combined single limit, Loss settlement, Binders, Named driver exclusion, Security verification form, Out-of-state limits, Auto underwriting limits, Traffic charges, Accident prevention discount, Policy expiration time, Auto total loss, Auto claim settlement, Part A liability, Part B medical payments, Part C UM, Part D collision, Other than collision, Covered persons liability, Newly acquired auto, Temporary substitute, Supplementary payments, Liability exclusion intentional, Liability exclusion livery, Transportation expenses, Towing and labor, Loss settlement physical damage, Duties after accident, Territory, Covered auto definition, Trailers coverage, Non-owned auto, 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, Total loss 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, 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, 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. Oklahoma's auto insurance system is best described as:
A tort system in which the at-fault driver is liable
Oklahoma requires liability security on registered vehicles (47 O.S. 7-601) and allocates fault under modified comparative negligence (23 O.S. 13); it has no no-fault/PIP requirement.
2. Oklahoma's compulsory auto liability minimum limits are:
25/50/25
47 O.S. 7-324(b)(2) sets the minimums at $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage.
3. Under 36 O.S. 3636, uninsured motorist coverage on an Oklahoma auto liability policy:
Must be included unless rejected in writing
36 O.S. 3636 requires UM coverage in auto liability policies on Oklahoma vehicles, but a named insured or applicant may reject it in writing.
4. Under Oklahoma's financial responsibility law, a motor vehicle liability policy used as proof of financial responsibility must be:
Certified and issued by an authorized insurer
47 O.S. 7-324(a) defines a motor vehicle liability policy as an owner's or operator's policy certified as proof of financial responsibility and issued by an insurer authorized in Oklahoma.
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.
