Free Personal Auto Policy Practice Questions
Tennessee Personal Lines exam — 191 practice questions.
Subtopics: Liability coverage, Split limits, Medical payments, Uninsured motorist, Collision, Comprehensive, Deductible, Covered persons, Coverage territory, Primary coverage, Optional coverages, Exclusions, Livery exclusion, Loss settlement, Minimum liability limits, Single limit, Alternatives to insurance, Property damage minimum, Financial responsibility agency, Proof after suspension, Restricted license proof, Ride-sharing: logged on, Ride-sharing: during ride, Prearranged ride, TNC first-dollar coverage, Personal auto exclusion for TNC, TNC disclosure, TNC insurer types, TNC claim information, Garage policies, Leased vehicles, Guaranteed renewable auto, Accident prevention discount, Accident prevention discount length, Accident prevention course length, Accident prevention discount amount, Accident prevention exclusions, UM required, UM limits, UM rejection, UM at renewal, UM lower limits, UM on umbrella policies, UM property damage, Unknown motorist, John Doe warrant, UM arbitration, UM service of process, UM claims and rates, Underinsured motorist, UM exclusions, Presumed uninsured, UM settlement consent, Cancellation law scope, Covered vehicles, Auto cancellation grounds, Not-at-fault collisions, Moving violations, Undisclosed history, Added drivers, Nonpayment notice, Nonpayment definition, Reasons for cancellation, Proof of notice, Auto nonrenewal, Assigned risk notice, Assigned risk notice exception, Total loss settlement, Deductible in subrogation, Repair estimates, Towing, Replacement parts, 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, 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, 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, Financial responsibility, Medical payments insureds, Medical payments exclusions, Medical payments other insurance, Uninsured motor vehicle, Hit and run, 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, Duties after loss, 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. The Personal Auto Policy coverage that pays for bodily injury and property damage the insured is legally liable for is:
Liability coverage (Part A)
Part A liability coverage pays for bodily injury and property damage to others for which the insured is legally responsible.
2. A Tennessee auto policy showing liability limits of 25/50/25 provides:
25,000 per person and 50,000 per accident for bodily injury, and 25,000 property damage
Split limits list bodily injury per person, bodily injury per accident, and property damage per accident; 25/50/25 is also Tennessee's minimum for financial responsibility.
3. Personal Auto medical payments coverage generally pays:
Medical bills of covered persons regardless of fault
Medical payments coverage pays reasonable medical expenses for the insured and occupants of the covered auto regardless of fault.
4. Coverage that protects the insured when an at-fault driver has no or too little liability insurance is:
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects the insured when the at-fault party lacks adequate liability insurance; Tennessee insurers must offer it.
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.
