Free Personal Automobile Policy Practice Questions
Virginia Property & Casualty exam (series 11-03) — 114 practice questions.
Subtopics: Tort system, Minimum auto limits, UM/UIM coverage, Uninsured vehicle penalty, Auto liability, Medical payments, Collision, Other than collision, Contributory negligence, PAP exclusions, SR-22, Split limits, Underinsured motorist, 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, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, Uninsured motorist, Collision coverage, Transportation expenses, Towing and labor, Newly acquired autos, Definitions, Supplementary payments, Liability exclusions, Uninsured motorists, Physical damage exclusions, Duties after loss, Termination, Residual market
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Sample questions & answers
1. Virginia's approach to auto injury claims is best described as:
A fault system with optional medical expense coverage
Owner policies must insure against liability imposed by law for damages (Va. Code 46.2-472); medical expense and income loss benefits are optional purchases, not mandatory no-fault PIP (Va. Code 38.2-2201).
2. For auto policies effective on or after January 1, 2025, Virginia's minimum liability limits are:
$50,000/$100,000/$25,000
Va. Code 46.2-472(B) requires $50,000 per person and $100,000 per accident for bodily injury and $25,000 for property damage for policies effective on or after January 1, 2025 (30/60/20 applied to 2022-2024 policies).
3. Uninsured/underinsured motorist coverage on a Virginia auto liability policy is:
Required, at liability limits unless a named insured lowers them
UM limits must equal the liability limits unless any one named insured rejects the additional coverage; they may not go below the financial responsibility minimums. UIM limits equal the UM limits.
4. What happens when a Virginia owner operates, or permits operation of, a registered motor vehicle that is uninsured?
It is a Class 3 misdemeanor and privileges are suspended
Operating an uninsured motor vehicle is a Class 3 misdemeanor; license and registration are suspended until a $600 noncompliance fee is paid and future proof of financial responsibility is filed.
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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.
