Free Personal Auto Policy Practice Questions
Oregon Personal Lines exam (series 12-14) — 188 practice questions.
Subtopics: Liability coverage, Medical payments, Uninsured motorist, Collision, Comprehensive, Deductible, Duties after loss, Covered auto, Family member, Exclusions, PIP benefits, Transportation expense, Combined single limit, Loss settlement, Property damage minimum, DUII limits, Ways to comply, Proof in vehicle, Electronic proof, Omnibus insureds, Future responsibility after accident, Insurer report to DOT, PIP required, PIP medical, PIP medical window, PIP income loss, PIP income cap, PIP disability period, PIP essential services, PIP funeral, PIP child care, PIP deductible, PIP persons covered, PIP primary or excess, PIP exclusions, PIP tort, PIP disputes, PIP reimbursement, PIP managed care, UM required, UM rejection, UIM included, Lower UM election, Hit-and-run, UM property damage, UMPD deductible, Auto cancellation reasons, Auto cancellation notice, Auto nonpayment notice, Auto policy scope, Short-term policies, Affiliate replacement, Pool eligibility notice, Nondriving suspension, Credit history, Credit declination, Credit rerating, Credit inquiries, Aftermarket crash parts, Crash part warranty, Crash part estimate, Choice of repair shop, Total loss disclosure, Total loss reopen, Undisputed amount, Total loss taxes, Totaled vehicle definition, Totaled title, Subrogation and deductible, Comparative negligence, 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, Split limits, 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, 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, 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 the personal auto policy pays for:
Bodily injury and property damage the insured is legally liable for
Auto liability coverage pays for bodily injury and property damage the insured causes to others.
2. Medical payments coverage on a personal auto policy generally pays:
Reasonable medical expenses for the insured and passengers regardless of fault
Medical payments coverage pays reasonable medical expenses for the insured and passengers regardless of who was at fault.
3. Uninsured motorist coverage responds when the insured is injured by:
An at-fault driver who has no liability insurance
Uninsured motorist coverage pays the insured for injuries caused by an at-fault driver who has no liability insurance.
4. Collision coverage under the personal auto policy pays for damage to the insured's covered auto caused by:
Impact with another vehicle or object
Collision coverage pays for damage to the covered auto from impact with another vehicle or object, or from upset.
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.
