Free Personal Automobile Policy Practice Questions
Georgia Casualty exam (series 12-GA-04) — 113 practice questions.
Subtopics: Aftermarket crash parts, Bad faith penalty, Commissioner review, Rating restrictions, Auto rate filing, Minimum limits, Compulsory insurance, Physical damage coverage, Financial responsibility, Proof of financial responsibility, Policy term, Advance premium, Out-of-state policies, Proof of insurance, Tort system, Uninsured motorist, Auto cancellation, Auto nonrenewal, Assigned risk, Reduction in coverage, Defensive driving discount, Good student discount, 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, Policy territory, 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 Georgia auto repair estimate uses non-OEM aftermarket crash parts, Georgia law requires that:
Each such part be identified and a disclosure attached
Where nonoriginal equipment manufacturer aftermarket crash parts are used in an estimate, the written estimate must clearly identify each part, and an attached disclosure in at least ten-point type must explain the parts are not from the vehicle's manufacturer.
2. Under Georgia law, a third-party claimant whose car was damaged by an insured driver can recover a bad faith penalty from the auto liability insurer if the claimant's settlement demand for an amount certain was refused within:
60 days, and the claimant later recovers at least the demand
For property damage claims under motor vehicle liability policies, a claimant who sent a demand by certified mail or statutory overnight delivery may recover if the insurer refused within 60 days and the claimant ultimately recovers an amount equal to or exceeding the demand.
3. A Georgia insured who believes a personal auto policy was cancelled or nonrenewed unlawfully may request a review by the Commissioner within:
15 days of receiving the notice
The insured may request the Commissioner's review within 15 days of receiving a notice of cancellation or nonrenewal; the review must be completed within 30 days, and the policy stays in force meanwhile.
4. Once a Georgia insured requests review of an auto nonrenewal, the Commissioner must conduct the review and notify both parties within:
30 days
A review of the cancellation or nonrenewal is conducted within 30 days of the request, and the Commissioner notifies the insured and insurer of the decision within that 30-day period.
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.
