Free Personal Automobile Policy Practice Questions
Wyoming Casualty exam — 88 practice questions.
Subtopics: Deductible in subrogation, Deductible partial recovery, Minimum limits, Proof of FR methods, Cash deposit amount, How long proof is kept, When proof is required, Certified policy cancellation, Owner policy permissive users, Policy territory, Operator policy, Auto policy and WC, Absolute liability, Binder meets requirement, No-insurance penalty, Second offense plates, Producing proof, After conviction, Named driver exclusion, UM required, UM limits, UM covers, UM rejection at renewal, Insolvent insurer as uninsured, UM subrogation, Hit-and-run contact, UM consent to sue, UM arbitration, UM and workers comp, UM stacking, Auto cancellation reasons, Auto cancellation notice, Auto nonpayment notice, Auto nonrenewal notice, Assigned risk notice, Assigned risk policies, New auto policy, Deductible change, Short-term policies, Replacement policy, 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. When a Wyoming insurer pays its insured's collision loss and then recovers from the at-fault driver, the insured's deductible must be:
repaid from the recovery before other uses
Wyo. Stat. 26-13-113(a) requires the deductible to be included in the subrogated claim and paid to the insured, without deduction for collection expenses, before any other use of the recovery.
2. A Wyoming insured has a $1,000 collision deductible. The insurer's subrogation recovery is only $600. Under Wyo. Stat. 26-13-113, the insurer pays the insured:
$600
Section 26-13-113(a) provides that if the deductible exceeds the recovery, the insurer pays only the amount of the recovery to the insured.
3. Wyoming's minimum motor vehicle liability limits (proof of financial responsibility) are:
$25,000/$50,000/$20,000
Wyo. Stat. 31-9-102(a)(xi) and 31-9-405(b) set limits of $25,000 per person and $50,000 per accident for bodily injury, and $20,000 for property damage.
4. Under Wyo. Stat. 31-9-402, proof of financial responsibility may be given by filing any of the following EXCEPT:
a copy of the vehicle's registration
Section 31-9-402(a) allows proof by a certificate of insurance, a bond, or a certificate of deposit of money or securities.
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.
