Free Personal Automobile Policy Practice Questions
Rhode Island Casualty exam — 116 practice questions.
Subtopics: Minimum liability limits, Combined single limit, Motor Vehicle Reparations Act purpose, Financial security deposit, Accident definition, Proof of financial responsibility, Proof amounts, Methods of proof, Insurance certificate filing, Owner's policy territory, Operator's policy, Liability becomes absolute, Binder as policy, Uninsured penalty first offense, Uninsured penalty second offense, Registration statement, Termination notice statement, Repair choice statement, Steering prohibited, Steering after selection, Rental vehicle coverage, Rental after total loss, Rental vehicle comparable, Rental coverage drivers, UM required limit, UM rejection, UM includes underinsured, UM insolvent insurer, UMPD deductible, UMPD rejection, UMPD minimum offer, UMPD deductible waiver, UM stacking, UM no suit prerequisite, UM renewal notice, Subrogation deductible first, Auto cancellation 60 days, Auto cancellation reasons, Three moving violations, DUI cancellation, Auto cancellation notice, Auto nonpayment notice, Auto nonrenewal notice, Nonrenewal for age, Nonrenewal for losses, No rescission, Insurance score decline, Credit dispute refund, Auto plan eligibility notice, Physical damage deductible change, Auto plan cancellation rules, Excess policy auto termination, Auto plan purpose, Auto plan participation, Auto plan limits, Auto plan nonresident producers, Auto plan appeal, UMID purpose, UMID reporting frequency, UMID administration, UMID insurer fine, UMID owner notice, UMID reinstatement fee, UMID commercial exemption, Electronic proof, Citation hold, No stops to check insurance, Counterfeit insurance card, 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. Rhode Island's minimum split limits for an owner's auto liability policy are:
$25,000 / $50,000 / $25,000
An owner's policy must cover $25,000 for bodily injury to one person, $50,000 for two or more persons, and $25,000 for property damage per accident.
2. Instead of split limits, a Rhode Island owner's policy may satisfy the compulsory minimum with a combined single limit of at least:
$75,000
The statute allows $25,000/$50,000/$25,000 split limits or a $75,000 combined single limit.
3. Rhode Island's Motor Vehicle Reparations Act states that its purpose is to make sure motorists:
Can respond in damages for their negligent acts
The legislature declared it a matter of grave concern that motorists be financially able to respond in damages for their negligent acts so innocent accident victims are compensated.
4. Instead of insurance, a Rhode Island vehicle owner may satisfy the Motor Vehicle Reparations Act with a financial security deposit per vehicle of:
$75,000 in cash or securities
A "financial security deposit" is the deposit of $75,000 in cash or qualifying securities for each motor vehicle.
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.
