Free Personal Automobile Policy Practice Questions
South Dakota Casualty exam — 73 practice questions.
Subtopics: Assigned risk plan, Uninsured motorist, Underinsured motorist, Named driver exclusion, Restrictive endorsement, Physical damage only, Minimum limits, Financial responsibility, Proof of future responsibility, Auto cancellation, Auto cancellation notice, Auto nonrenewal notice, Auto policy term, Auto policy scope, Auto underwriting reports, 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. A South Dakota driver entitled to auto liability insurance cannot obtain it through ordinary methods. The driver may obtain it through the:
Automobile assigned risk plan
SDCL 58-11-57 has the Director approve plans for equitable apportionment of motor vehicle liability policies for applicants unable to procure them through ordinary methods.
2. Which insurers must participate in South Dakota's approved automobile assigned risk plan?
All insurers authorized to issue auto liability policies in the state
SDCL 58-11-57: all insurance companies authorized to issue auto liability policies shall subscribe to and participate in the approved plan.
3. When a South Dakota insurer cancels a personal auto liability policy for a reason other than nonpayment, the notice must also tell the insured about:
Possible eligibility for the assigned risk plan
SDCL 58-11-53 requires the cancellation or nonrenewal notice to include notice of possible eligibility through the assigned risk plan.
4. South Dakota's personal auto cancellation and nonrenewal statutes (SDCL 58-11-46 to 58-11-54) do NOT apply to a policy:
Issued under an automobile assigned risk plan
SDCL 58-11-45(5) excludes policies issued under an assigned risk plan, policies insuring more than four autos, and garage operations policies.
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.
