Free Personal Automobile Policy Practice Questions
South Dakota Property & Casualty exam — 68 practice questions.
Subtopics: Minimum limits, Who is an insured, Uninsured motorist, Towing and labor, Rental reimbursement, Loss settlement, Named non-owner, Hit-and-run, Trailer coverage, Financial responsibility filing, Intentional acts, Medical payments, Property damage limit, Assigned risk plan, Underinsured motorist, Named driver exclusion, Physical damage only, Financial responsibility, Proof of future responsibility, Auto cancellation, Auto nonrenewal notice, Deductible change, Auto underwriting reports, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, Collision coverage, Other than collision, Transportation expenses, Newly acquired autos, Definitions, Supplementary payments, 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. A South Dakota driver buying the least auto liability coverage state law allows would purchase limits of:
25/50/25
SDCL 32-35-70 requires $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage.
2. Under the Personal Auto Policy, a licensed resident relative of the named insured is generally:
A family member and an insured under the policy
Resident relatives of the named insured are generally 'family members' and are insureds under the PAP.
3. South Dakota requires auto liability policies to include uninsured motorist coverage chiefly to protect insureds against injury caused by:
Drivers who carry no liability insurance
SDCL 58-11-9 requires UM coverage for insureds legally entitled to recover from owners or operators of uninsured and hit-and-run vehicles.
4. Optional towing and labor coverage on a Personal Auto Policy pays for:
Towing and on-site labor costs when the covered auto is disabled
Towing and labor coverage reimburses towing and on-site labor expenses when the covered auto becomes disabled.
All Property & Casualty topics
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.
