Free Personal Auto Policy Practice Questions
Rhode Island Personal Lines exam — 206 practice questions.
Subtopics: Tort system, Minimum auto limits, UM requirement, Financial responsibility, Proof of insurance, Residual market, Liability coverage, Medical payments, Uninsured motorist, Collision, Comprehensive, Deductible, Duties after loss, Covered auto, Family member, Exclusions, Combined single limit, Loss settlement, Split limits per person, Split limits per accident, Minimum liability limits, 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, 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, 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. Rhode Island's personal auto insurance system is best described as:
A tort system where the at-fault driver pays
Rhode Island is a tort (fault) state: the Motor Vehicle Reparations Act requires motorists to be financially able to respond in damages for their negligent acts, and there is no PIP/no-fault requirement.
2. Rhode Island's compulsory auto liability minimum split limits are:
$25,000/$50,000/$25,000
An owner's policy must provide $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage, or a $75,000 combined single limit.
3. On Rhode Island auto policies, uninsured and underinsured motorist coverage is generally:
Included at BI limits unless lower is elected
Rhode Island requires UM/UIM coverage equal to the bodily injury liability limits unless the named insured selects lower limits in writing (zero only if buying minimum limits and signing an advisory notice).
4. A Rhode Island driver convicted of certain offenses may be required to prove continued auto liability coverage by filing:
An insurer's certificate filed with the DMV
Drivers required to show proof of financial responsibility for the future may file an authorized insurer's certificate with the Division of Motor Vehicles (or a bond, deposit, or self-insurance certificate). The prior key named an "SR-22," a term the Rhode Island statute does not use.
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.
