Free Personal Auto Policy Practice Questions
Georgia Personal Lines exam (series 12-GA-55) — 192 practice questions.
Subtopics: Own physical damage claims, Commissioner review, Insured persons, Towing and labor, Rental reimbursement, Newly acquired auto, Racing exclusion, Coverage territory, Transportation expenses, Aftermarket crash parts, Bad faith penalty, 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, 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, Split limits, 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, Total loss 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, 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. A Georgia driver's car is damaged by another driver who appears to be at fault. Under Georgia guidance, the insured may:
file a claim under his or her own physical damage coverage
A policyholder may file a claim under his or her own collision or comprehensive coverage even if someone else may have caused the accident.
2. A Georgia auto insured believes the insurer nonrenewed the policy unfairly. The insured may:
request a written review by the Commissioner within 15 days
An insured who believes a nonrenewal is unfair may request, in writing within 15 days of the notice, a review before the Commissioner or a designee.
3. Under a personal auto policy, an insured generally includes:
the named insured and resident family members
Family member means a person related to the named insured by blood, marriage, or adoption who resides in the household, including a ward or foster child.
4. Towing and labor coverage on a personal auto policy pays for:
towing and roadside labor costs, when added
Towing and labor is an optional coverage, along with rental reimbursement and medical payments.
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.
