Free Personal Auto Policy Practice Questions
Vermont Personal Lines exam (series 14-39) — 188 practice questions.
Subtopics: Mandatory insurance, Minimum limits, Auto cancellation notice, 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, 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 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, Part A liability, Part B medical payments, Part C UM, Part D collision, Other than collision, Covered persons liability, Temporary substitute, Supplementary payments, Liability exclusion intentional, Liability exclusion livery, Transportation expenses, 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, 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. Vermont's mandatory financial responsibility law requires the owner or operator of a registered vehicle to:
Keep a liability policy or bond in effect
23 V.S.A. § 800 bars operating, or permitting operation of, a registered vehicle without an auto liability policy or bond for at least the minimum limits (or a self-insurance filing). Collision coverage is not required.
2. Vermont's minimum auto liability limits are 25/50/10. The 10 represents:
Property damage per crash, in thousands
Vermont requires at least $25,000 for one person, $50,000 for two or more persons killed or injured, and $10,000 for property damage in any one crash.
3. A Vermont private passenger auto policy has been in force for 8 months. The insurer cancels it because the named insured's driver's license was suspended. The insurer must give at least how many days' notice?
45 days
License suspension is a permitted cancellation reason under § 4223, and § 4224 requires at least 45 days' notice, or 15 days for nonpayment of premium. The reasons must accompany the notice.
4. 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.
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.
