Free Personal Automobile Policy Practice Questions
Rhode Island Property & Casualty exam — 123 practice questions.
Subtopics: Auto midterm cancellation, Compulsory insurance, Split limits, Underinsured motorist, Non-owned auto, Towing and labor, Temporary substitute, Supplementary payments, Trailers, Glass damage, Electronic equipment, Vandalism, Bodily injury definition, Each person limit, 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, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, Medical payments, Uninsured motorist, Collision coverage, Other than collision, Transportation expenses, Newly acquired autos, Definitions, Liability exclusions, Uninsured motorists, Physical damage exclusions, Duties after loss, Policy territory, Termination, Residual market
Read the Personal Automobile Policy study guide
Sample questions & answers
1. After a Rhode Island private passenger auto policy has been in effect more than 60 days, the insurer's right to cancel it midterm is:
Limited to reasons such as nonpayment or suspension
Beginning 60 days after inception (or immediately on a renewal), an insurer may cancel only for listed reasons, such as nonpayment, license or registration suspension, fraud, policy violations, or specified convictions.
2. Rhode Island's compulsory insurance law generally requires the owner of a registered motor vehicle to:
Keep at least the required liability security
Under the Motor Vehicle Reparations Act, a vehicle may not be registered unless the owner certifies that it will be covered by financial security, normally an owner's liability policy with at least $25,000/$50,000/$25,000 limits.
3. In a 25/50/25 split-limit auto policy, which meets Rhode Island's minimum, the third number is the most the insurer will pay for:
Property damage liability per accident
Split limits list bodily injury per person, bodily injury per accident, and property damage per accident; Rhode Island's minimum is $25,000/$50,000/$25,000.
4. Underinsured motorist coverage is designed to protect the insured when the at-fault driver:
Carries limits below the insured's damages
Rhode Island defines an underinsured motorist as one whose liability coverage is less than the damages the insured is legally entitled to recover; UM coverage includes underinsured motorists.
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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.
