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

Free Personal Auto Policy Practice Questions

Massachusetts Personal Lines exam — 48 practice questions.

Subtopics: PIP scope, Household operators, Limited collision, Towing and labor, Medical payments, Underinsured motorist, Deductibles, Exclusions, Rating factors, Safe driver credit, Substitute vehicle, Discounts, 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, 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. Massachusetts Personal Injury Protection generally pays, regardless of fault, for:

Medical expenses and a portion of lost wages from auto accidents

PIP pays medical expenses and part of lost wages for covered persons on a no-fault basis after an auto accident.

2. Operators in the household who regularly use the insured vehicle generally should be:

Listed on the policy

Regular household operators should be disclosed and listed so the policy is rated and underwritten correctly.

3. Compared with collision coverage, optional limited collision in Massachusetts generally pays for damage to the insured auto only when:

The operator is not more than 50 percent at fault or the other party is identified

Limited collision generally pays when the insured operator is not more than 50 percent at fault or a responsible party is identified.

4. An optional Massachusetts auto coverage that pays for towing and on-scene labor after a disablement is:

Towing and labor coverage

Towing and labor coverage reimburses the cost of towing and limited on-scene labor when the auto is disabled.

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 Pennsylvania Insurance Department and the exam administrator before relying on it.