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  4. Personal Auto Policy

Free Personal Auto Policy Practice Questions

Alabama Personal Lines exam — 50 practice questions.

Subtopics: Contributory negligence, Contributory negligence effect, Why UM matters in AL, Liability minimums, Uninsured motorist, Financial responsibility, Liability coverage Part A, Medical payments, Collision coverage, Comprehensive coverage, Underinsured motorist, Covered autos, Exclusions, Split limits, Part A liability, Part B medical payments, Part C UM, Part D collision, Other than 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, Custom equipment limit, Appraisal physical damage, No-fault PIP, Right to recover, Collision settlement, Total loss settlement

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Sample questions & answers

1. Alabama is one of the few states that follows the doctrine of pure contributory negligence, meaning an injured claimant who is even slightly at fault generally:

Recovers nothing from the other party

Under Alabama's strict contributory negligence rule, a claimant found even 1% at fault is generally barred from recovering against another party.

2. Because Alabama applies contributory negligence, a driver who is found 10% responsible for an accident will typically:

Be barred from recovering damages from the other driver

Alabama's contributory negligence bars recovery for a claimant with any fault, so 10% fault generally defeats the claim.

3. Alabama's contributory negligence rule makes which auto coverage especially important for an insured who may be partly at fault or hit by an uninsured driver?

Coverage that responds without depending on proving another party fully at fault, such as the insured's own first-party coverages

Because fault can bar third-party recovery, first-party coverages (like medical payments and UM/UIM) help protect the insured directly.

4. Alabama's commonly cited minimum auto liability limits are about 25/50/25, meaning bodily injury per person, per accident, and property damage of:

$25,000 / $50,000 / $25,000

Alabama's frequently cited minimum limits are 25/50/25: $25,000 per person, $50,000 per accident, and $25,000 property damage; verify current law.

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Practice: Personal Auto Policy

Take a randomized, timed-style practice test. Answer choices are shuffled and your results are scored instantly with an explanation for every question.

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.