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  4. Personal Auto Policy

Free Personal Auto Policy Practice Questions

Idaho Personal Lines exam — 50 practice questions.

Subtopics: Liability coverage, Medical payments, Collision coverage, Comprehensive coverage, Uninsured motorist, Declarations page, Who is an insured, Non-owned auto, Actual cash value, Deductible, Property damage limit, Coverage territory, Optional coverages, Exclusions, Part A liability, Part B medical payments, Part C UM, Part D collision, Other than collision, Covered persons liability, Newly acquired auto, Temporary substitute, Supplementary payments, Liability exclusion intentional, Liability exclusion livery, Split limits, Transportation expenses, Towing and labor, 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. The liability coverage of a personal auto policy pays when the insured is legally responsible for:

Bodily injury or property damage to others

Auto liability coverage pays for bodily injury and property damage the insured causes to others.

2. Medical payments coverage under a personal auto policy generally pays:

Reasonable medical expenses for the insured and passengers regardless of fault

Auto medical payments coverage pays reasonable medical expenses for the insured and passengers regardless of fault.

3. Collision coverage on a personal auto policy pays for damage to the insured's vehicle caused by:

Impact with another vehicle or object

Collision coverage pays for damage to the insured's auto from impact with another vehicle or object, or upset.

4. Comprehensive (other than collision) coverage typically pays for losses such as:

Fire, theft, hail, and hitting an animal

Comprehensive coverage pays for non-collision losses such as fire, theft, hail, vandalism, and striking an animal.

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.