Free Personal Auto Policy Practice Questions
Texas Personal Lines Property & Casualty exam (series InsTX-PersPC55) — 165 practice questions.
Subtopics: Minimum BI limits, Minimum PD limit, Financial responsibility, Uninsured motorist offer, Uninsured motorist, Underinsured motorist, Personal injury protection, PIP no-fault, Residual market, Cancellation notice, Penalty for lapse, Rideshare, SR-22 filing, Comprehensive coverage, Collision coverage, Insurance verification, Named driver policies, PIP scope, Uninsured motorist property damage, Nonrenewal notice, Cancellation for nonpayment, Permissive use, Out-of-state coverage, Policy period, Financial responsibility options, Electronic proof, Uninsured fine, UM hit-and-run, UM limits, Rejection carryover, PIP collateral sources, PIP late payment, First 60 days auto, Household driver suspension, Reinstatement, Six-month renewals, Age-based nonrenewal, Mandatory nonrenewal, Newly acquired vehicle, Repair shop loaner, Repair choice, Separated spouse, Short-term policy, Rideshare ride limits, Rideshare logged-on limits, Auto bill of rights, Liability insurance card, 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, Split limits, 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, 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. Texas minimum bodily injury liability limits for a private passenger auto are:
30/60
Texas requires bodily injury liability limits of at least $30,000 per person and $60,000 per accident.
2. The minimum property damage liability limit required for a Texas auto policy is:
$25,000
Texas requires a minimum property damage liability limit of $25,000 (the 25 in 30/60/25).
3. Texas requires every motor vehicle owner to:
Maintain financial responsibility (auto liability insurance) and show proof when required
Owners must maintain the required financial responsibility and provide proof of coverage when requested.
4. In Texas, uninsured and underinsured motorist coverage must be:
Offered to the insured, who may reject it in writing
UM/UIM must be offered; the named insured may reject the coverage in writing.
All Personal Lines Property & Casualty topics
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.
