Free Personal Auto Policy Practice Questions
Washington Personal Lines exam — 167 practice questions.
Subtopics: Named insured, Split limits, Property damage liability, Other than collision, Hit-and-run, PIP wage loss, Bodily injury liability, Roadside coverage, Rental reimbursement, Collision deductible, Underinsured motorist, Minimum liability limits, Financial responsibility, Proof of insurance, Mandatory insurance exceptions, SR-22, Auto cancellation, Auto nonrenewal, Policy term, Underwriting, Installment payments, Assigned risk plan, UIM rejection, UIM property damage, Phantom vehicle, Insurer insolvency, UIM and motorcycles, PIP offer, PIP rejection, PIP minimum benefits, PIP higher limits, PIP medical benefits, PIP loss of services, PIP insureds, PIP exclusions, PIP claim standards, PIP and motorcycles, Total loss settlement, Part A liability, Part B medical payments, Part C UM, Part D collision, Covered persons liability, Newly acquired auto, Temporary substitute, Supplementary payments, Liability exclusion intentional, Liability exclusion livery, 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, 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. In a personal auto policy, the named insured generally includes:
The person named in the declarations and usually a resident spouse
The named insured is the person listed in the declarations, and coverage usually extends to a resident spouse.
2. Auto liability limits written as 25/50/10 are known as:
Split limits
Limits stated as three numbers are split limits, separating per-person, per-accident, and property damage coverage.
3. Property damage liability in a Washington personal auto policy pays for damage the insured causes to:
The property of others
Property damage liability pays for damage the insured is legally responsible for causing to others' property.
4. Comprehensive (other than collision) auto coverage typically pays for losses such as:
Theft, fire, hail, or animal strikes
Other than collision (comprehensive) covers losses like theft, fire, falling objects, hail, and hitting an animal.
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.
