Free Personal Automobile Policy Practice Questions
Georgia Property & Casualty exam (series 12-GA-06) — 120 practice questions.
Subtopics: Auto minimum limits, Tort system, UM offer, UM options, Financial responsibility, Proof of insurance, Cancellation notice, Cancellation reasons, Part A, Collision, Comprehensive, Medical payments, UM coverage, Tort recovery, Aftermarket crash parts, Bad faith penalty, Commissioner review, Rating restrictions, Auto rate filing, Minimum limits, Compulsory insurance, Physical damage coverage, Proof of financial responsibility, Policy term, Advance premium, Out-of-state policies, Uninsured motorist, Auto cancellation, Auto nonrenewal, Assigned risk, Reduction in coverage, Defensive driving discount, Good student discount, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, Collision coverage, Other than collision, Transportation expenses, Underinsured motorist, Towing and labor, Newly acquired autos, Definitions, Supplementary payments, Liability exclusions, Uninsured motorists, Physical damage exclusions, Duties after loss, Policy territory, Termination, Residual market
Read the Personal Automobile Policy study guide
Sample questions & answers
1. Georgia's minimum automobile liability limits required by law are:
25/50/25
Georgia requires at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage (25/50/25).
2. Georgia's automobile insurance system is best described as:
an at-fault (tort) system
Georgia requires liability insurance that pays others when the insured is at fault; it does not use a no-fault (PIP) system.
3. Uninsured motorist coverage on a Georgia auto liability policy:
Is included unless a named insured rejects it in writing
UM coverage must be included in every Georgia auto liability policy but does not apply when an insured named in the policy rejects it in writing.
4. Georgia lets an insured choose uninsured motorist coverage that is either added on to the at-fault driver's liability limits or:
reduced by those limits
The default UM coverage applies in addition to the at-fault driver's liability coverage; the insured may instead select in writing coverage that pays only the difference between the at-fault limits and the UM limits.
All Property & Casualty topics
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.
