Free Personal Automobile Policy Practice Questions
Virginia Casualty exam — 108 practice questions.
Subtopics: Prior minimum limits, Policy territory, Omnibus clause, Nonowned auto consent, Multiple defendants, Failure to cooperate, Peer-to-peer sharing, Uninsured operation, Noncompliance fee, License plates, Insurance verification, Financial responsibility proof, SR-22 duration, UM limits, UM reduction, UM reduction binding, UIM limits, UIM without credit, UIM election notice, UM property damage, Uninsured definition, Hit and run, John Doe suit, UM arbitration, UM priority, UM insured, UM subrogation, Medical expense benefits, Income loss benefits, Medical expense subrogation, No credit for health insurance, Rental reimbursement offer, Aftermarket parts, Auto damage appraisals, Auto cancellation reasons, Auto nonpayment notice, Auto review request, Auto notice contents, Auto first 60 days, Auto nonrenewal prohibited, Comprehensive modification, Not-at-fault accidents, UM claim nonrenewal, Policies covered, Short-term policies, Commissioner review, Cancellation records, Proof of mailing, Assigned risk, Assigned risk coverage, Assigned risk reasons, Credit disclosure, Rate classification, Auto discrimination, Intercompany arbitration, Medical expense notice, Contributory negligence, 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, 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. Virginia auto policies effective from January 1, 2022 through December 31, 2024 required minimum liability limits of:
30/60/20
Va. Code 46.2-472(A) set $30,000/$60,000/$20,000 for policies effective on or after January 1, 2022 but before January 1, 2025.
2. A Virginia motor vehicle owner's policy must insure against liability arising from use of the vehicle within:
Virginia, any other U.S. state, or Canada
The owner's policy covers liability arising within the Commonwealth, any other state in the United States, or Canada.
3. A Virginia auto liability policy must insure the named insured and:
Any person using the vehicle with express or implied consent
The omnibus clause requires coverage for anyone using the vehicle with the named insured's expressed or implied consent.
4. For an individual's Virginia auto policy covering use of a nonowned auto with the owner's permission, permission from whom also satisfies the requirement?
The vehicle's custodian
Any provision requiring the owner's permission for a nonowned auto is construed to include permission of the custodian.
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.
