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  4. Personal Automobile Policy

Free Personal Automobile Policy Practice Questions

Hawaii Property & Casualty exam — 29 practice questions.

Subtopics: Property damage liability, Split limits, SR-22, Gap coverage, Stacking, Wage loss, Towing and labor, Named driver exclusion, Towed trailer, Betterment, Salvage, Definition of insured, Livery exclusion, Policy structure, Physical damage, Optional coverages, Exclusions, Liability coverage, Medical payments, Uninsured motorist, Collision coverage, Other than collision, Transportation expenses, Underinsured motorist

Read the Personal Automobile Policy study guide

Sample questions & answers

1. Property damage liability coverage under an auto policy pays for:

Damage the insured causes to another person's property

Property damage liability pays for damage the insured causes to the property of others, such as another vehicle.

2. In split auto liability limits, the second number generally represents the maximum for:

Total bodily injury per accident

In split limits, the second figure is the total bodily injury liability available per accident for all injured persons.

3. A filing that certifies a high-risk driver is maintaining the required liability insurance is commonly called a(n):

SR-22

An SR-22 is a financial responsibility filing certifying that a driver carries the required liability insurance.

4. Coverage that pays the difference between a totaled vehicle's actual cash value and the remaining loan balance is:

Gap coverage

Gap coverage pays the difference between a vehicle's actual cash value and the loan balance after a total loss.

All Property & Casualty topics

Practice: Personal Automobile 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.