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  2. Iowa
  3. Personal Lines
  4. Personal Auto Policy

Free Personal Auto Policy Practice Questions

Iowa Personal Lines exam — 50 practice questions.

Subtopics: Liability coverage, Medical payments, Uninsured motorist, Collision, Comprehensive, Covered auto, Family member, Temporary substitute, Non-owned auto, Livery exclusion, Racing exclusion, Transportation expenses, Towing and labor, Duties after loss, Part A liability, Part B medical payments, Part C UM, Part D collision, Other than collision, Covered persons liability, Newly acquired auto, Supplementary payments, Liability exclusion intentional, Liability exclusion livery, Split limits, Loss settlement physical damage, Duties after accident, Territory, Covered auto definition, Trailers coverage, 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) of the personal auto policy pays for:

Bodily injury and property damage the insured is legally liable for

Part A liability covers bodily injury and property damage the insured is legally responsible for causing to others.

2. Part B (Medical Payments) of the PAP covers:

Reasonable medical expenses for the insured and passengers regardless of fault

Part B pays reasonable and necessary medical expenses for the insured and passengers, regardless of fault.

3. Part C (Uninsured Motorists) coverage pays when the insured is injured by:

An at-fault driver who has no liability insurance

Uninsured motorist coverage responds when an at-fault driver who lacks liability insurance injures the insured.

4. Collision coverage under Part D of the PAP pays for damage to the covered auto caused by:

Impact with another vehicle or object or upset of the auto

Collision coverage pays for damage from impact with another object or vehicle or from the overturn of the covered auto.

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.