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  4. Personal Auto Policy

Free Personal Auto Policy Practice Questions

Colorado Personal Lines exam — 50 practice questions.

Subtopics: Liability coverage, Medical payments, Collision, Comprehensive, Uninsured motorist, Underinsured motorist, Tort system, Comparative negligence, Split limits, Newly acquired auto, Exclusions, Rental reimbursement, Duties after loss, Policy territory, 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, 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

Read the Personal Auto Policy study guide

Sample questions & answers

1. Part A (Liability Coverage) of a personal auto policy pays for:

Bodily injury and property damage the insured is legally liable for in an auto accident

Liability coverage pays sums the insured becomes legally responsible to pay others for bodily injury or property damage, plus defense costs.

2. Medical payments coverage on a personal auto policy generally pays:

Reasonable medical expenses for the insured and passengers regardless of fault

Medical payments coverage pays reasonable medical expenses for the insured and occupants injured in the covered auto, regardless of fault.

3. Collision coverage on an auto policy pays for damage to the insured's vehicle caused by:

Impact with another vehicle or object, or upset of the vehicle

Collision coverage pays for damage to the covered auto from colliding with another object or from overturning, regardless of fault.

4. Comprehensive (other than collision) coverage typically pays for loss to the auto caused by:

Perils such as fire, theft, hail, and animal strikes

Comprehensive coverage pays for losses other than collision, such as fire, theft, vandalism, hail, glass breakage, and hitting an animal.

All Personal Lines topics

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.