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  3. Personal Lines
  4. Personal Auto Policy

Free Personal Auto Policy Practice Questions

Kentucky Personal Lines exam — 50 practice questions.

Subtopics: Liability coverage, Basic reparation benefits, Uninsured motorist, Underinsured motorist, Collision, Comprehensive, Medical payments, Permissive user, Split limits, Coverage territory, Newly acquired auto, Deductible, Exclusions, Total loss, Part A liability, Part B medical payments, Part C UM, Part D collision, Other than collision, Covered persons liability, Temporary substitute, Supplementary payments, Liability exclusion intentional, Liability exclusion livery, Transportation expenses, Towing and labor, Loss settlement physical damage, Duties after accident, Territory, Covered auto definition, Trailers coverage, Non-owned auto, 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 for:

Bodily injury and property damage the insured causes to others

Auto liability coverage pays for bodily injury and property damage that the insured is legally responsible for causing to others.

2. In Kentucky, the first-party coverage that pays an insured's own medical and related expenses regardless of fault under the no-fault law is:

Basic Reparation Benefits (personal injury protection)

Kentucky's no-fault law provides Basic Reparation Benefits (PIP) that pay an insured's medical and related expenses regardless of fault, up to the statutory amount.

3. Uninsured motorist (UM) coverage protects an insured who is injured by:

An at-fault driver who has no liability insurance

UM coverage pays the insured's damages when the at-fault driver has no liability insurance.

4. Underinsured motorist (UIM) coverage applies when the at-fault driver:

Has liability limits too low to cover the insured's damages

UIM coverage applies when the at-fault driver carries liability limits insufficient to fully cover the insured's injuries.

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.