Free Personal Auto Policy Practice Questions
South Dakota Personal Lines exam — 152 practice questions.
Subtopics: Auto minimum limits, Uninsured motorist, Underinsured motorist, Financial responsibility, Cancellation notice, Assigned risk plan, Part A liability, Part B medical payments, Part C uninsured motorist, Collision coverage, Other than collision, Permissive user, Split limits, Split limit calculation, Newly acquired auto, Exclusions, Livery exclusion, Uninsured motorist purpose, Collision deductible, Duties after loss, Stacking, Restrictive endorsement, Physical damage only, Owner's policy, Proof when stopped, Proof of future responsibility, Auto cancellation, Cancellation reasons, Auto policy term, Auto underwriting reports, Part C UM, Part D collision, Covered persons liability, Temporary substitute, Supplementary payments, Liability exclusion intentional, Liability exclusion livery, 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, 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. South Dakota law requires private passenger auto liability limits of at least:
25/50/25
SDCL 32-35-70 sets minimum limits of $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage.
2. South Dakota generally requires every private passenger auto liability policy issued in the state to include:
Uninsured motorist bodily injury coverage
SDCL 58-11-9 bars issuing an auto bodily injury liability policy in South Dakota unless uninsured and hit-and-run motorist coverage is included in equal limits.
3. Coverage that protects a South Dakota insured injured by an at-fault driver who carries some, but not enough, liability insurance is:
Underinsured motorist (UIM) coverage
SDCL 58-11-9.4 requires underinsured motorist coverage equal to the bodily injury limits; SDCL 58-11-9.5 pays the insured's uncompensated damages when the at-fault driver's limits are too low.
4. A South Dakota driver stopped by law enforcement for a suspected traffic violation may be required to provide:
Proof of financial responsibility, such as auto insurance
SDCL 32-35-114 requires a driver detained for a suspected violation to provide evidence of financial responsibility, such as the insurer name and policy number (SDCL 32-35-115).
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.
