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  4. Personal Automobile Policy

Free Personal Automobile Policy Practice Questions

Idaho Property & Casualty exam — 29 practice questions.

Subtopics: Split limits, Medical payments, Towing and labor, Loan/lease gap, Named non-owner, Permissive use, Stacking, Betterment, Loss payee, Appraisal clause, Total loss, Property damage liability, Livery exclusion, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, Uninsured motorist, Collision coverage, Other than collision, Transportation expenses, Underinsured motorist

Read the Personal Automobile Policy study guide

Sample questions & answers

1. In a 25/50/15 split limit, the $50,000 figure represents the maximum bodily injury liability:

Per accident for all injured persons

In split limits, the second number is the total bodily injury liability available for all persons injured in one accident.

2. Because Idaho does not mandate personal injury protection, a driver who wants no-fault medical coverage for themselves and passengers may purchase:

Medical payments coverage

Idaho does not require PIP, but a driver may add medical payments coverage to pay medical costs regardless of fault.

3. Towing and labor coverage on a personal auto policy pays for:

The cost of towing and on-site labor after a breakdown

Towing and labor coverage reimburses towing and limited on-site labor costs when the covered auto is disabled.

4. Gap coverage on a financed vehicle pays:

The difference between the loan balance and the vehicle's actual cash value after a total loss

Gap coverage pays the difference between the outstanding loan or lease balance and the vehicle's actual cash value 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.