Free Personal Automobile Policy Practice Questions
Vermont Casualty exam (series 14-42) — 115 practice questions.
Subtopics: Liability coverage, Split limits, Medical payments, Uninsured motorist, Underinsured motorist, Collision, Comprehensive, Physical damage deductible, Towing and labor, Rental reimbursement, Named insured, Newly acquired auto, Intentional acts exclusion, Livery exclusion, Coverage territory, Stacking, Mandatory insurance, Minimum limits, Self-insurance, Penalty for no insurance, Proof of insurance, Electronic proof, Proof penalty, Proof after crash, License suspension, Proof certificates, Duration of proof, UM/UIM required, UM limits, UM property damage, UM and collision, Insolvent insurer, Limits disclosure, Binders, Policy provisions, ID cards, Auto cancellation, New auto policies, Auto cancellation notice, Auto nonrenewal notice, Auto renewal notice, Auto plan notice, Policies covered, Short-term policies, Agent termination, Auto insurance plan, Surcharges, Not-at-fault payments, Uninsured violation, Total loss settlement, Total loss notice, Loss of use, Repair shops, Persons insured, Physical damage, Uninsured motorists, PAP structure, Your covered 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, Policy territory, 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. Part A (Liability) of a personal auto policy pays for:
Injury and damage the insured is liable for
Part A pays damages for bodily injury or property damage for which an insured becomes legally responsible because of an auto accident, plus defense costs.
2. In split liability limits of 25/50/10 (Vermont's minimums), the 50 represents the maximum for:
Total bodily injury per accident
The middle number is the bodily injury limit per accident for all persons. Vermont's minimum is $50,000 for two or more persons killed or injured in one crash.
3. Medical payments coverage under a personal auto policy generally pays:
Insureds' medical costs, regardless of fault
Part B pays reasonable medical and funeral expenses for insureds, including occupants of the covered auto, injured in an accident, without regard to fault.
4. Uninsured motorist coverage protects the insured when:
An at-fault driver has no insurance
Uninsured motorist coverage pays what the insured is legally entitled to recover from an at-fault owner or operator of an uninsured or hit-and-run vehicle. Vermont requires it in every auto liability policy.
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.
