Free Personal Automobile Policy Practice Questions
Indiana Property & Casualty exam — 112 practice questions.
Subtopics: Liability part, Supplementary payments, Physical damage other than collision, Collision definition, Duties after accident, Use of non-owned auto, Exclusion racing, Loss settlement physical damage, Deductible application, Loss of use auto, Territory, Subrogation auto, Spousal exclusion, Minimum liability limits, Bodily injury per accident, Property damage minimum history, Proof of financial responsibility, Electronic proof, Driving without coverage, Future proof after judgment, Fleet defined, UM/UIM requirement, UIM minimum, Rejection binds all insureds, Renewal after rejection, Contents of rejection, UMPD requires UMBI, UMPD deductible, Parked car UMPD, UMPD hit-and-run, UMPD scope, Insolvent insurer as uninsured, Underinsured defined, Personal umbrella UM, UIM settlement and subrogation, Separate UM and UIM rejection, Auto cancellation law scope, Auto cancellation reasons, New auto policies, Auto cancellation notice, Auto nonpayment notice, Requesting the reason, Auto nonrenewal notice, Producer notice on auto, Proof of mailing, Assigned risk notice, Commissioner hearing on cancellation, Hearing fee, Short-term policies, Multi-year auto policies, Disability and auto coverage, Medical conditions, Change in policy form, Immunity for reasons, Assigned risk plan purpose, TNC coverage while logged on, TNC coverage during ride, TNC coverage lapse, TNC claim denial, Personal auto TNC exclusion, TNC disclosures, TNC physical damage payment, TNC insurer eligibility, Body parts notice, Body part choices, Body parts time limit, Body parts violations, Acts by agents or shops, Permissive user coverage, Insured insolvency, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, Medical payments, Uninsured motorist, Collision coverage, Other than collision, Transportation expenses, Underinsured motorist, Towing and labor, Newly acquired autos, Definitions, 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. The liability section of a personal auto policy responds when the insured is what?
Legally liable to others for injury
Auto liability coverage responds when the insured is legally responsible for bodily injury or property damage to others.
2. Supplementary payments under personal auto liability coverage include which of the following?
Set expenses such as bail bonds, beyond the limit
The PAP pays supplementary payments such as up to $250 for bail bonds and other listed expenses, and these payments do not reduce the limit; defense costs are also paid in addition to the limit.
3. A windshield cracked by a flying rock would generally be covered under which auto coverage?
Other than collision
Under the PAP, missiles or falling objects and breakage of glass are other-than-collision losses.
4. Collision coverage applies when the covered auto does what?
Overturns or strikes another object
Collision means the upset of the covered auto or its impact with another vehicle or object; fire, hail and theft are other-than-collision losses.
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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.
