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  4. Personal Auto Policy

Free Personal Auto Policy Practice Questions

Maryland Personal Lines exam — 50 practice questions.

Subtopics: Contributory negligence, Contributory negligence impact, Liability coverage, Split limits, Medical payments, Collision coverage, Comprehensive coverage, Uninsured motorist, Omnibus clause, Exclusions, Named driver exclusion, Rental reimbursement, Deductible effect, Declarations page, 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, 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. Under Maryland's negligence rule, a claimant who is found even slightly at fault for an auto accident generally:

Recovers nothing from the other driver

Maryland follows strict contributory negligence: a claimant who is even 1% at fault is generally barred from recovering from the other party, one of only a few states using this harsh rule.

2. Compared with comparative negligence states, Maryland's contributory negligence doctrine makes it:

Harder for a partially at-fault claimant to recover

Because any fault by the claimant bars recovery, Maryland's contributory negligence rule makes recovery harder than in comparative negligence states, an important point for auto liability claims.

3. Part A liability coverage in a personal auto policy pays for:

Bodily injury and property damage the insured is legally liable for

Liability coverage pays sums the insured becomes legally responsible to pay others for bodily injury or property damage, plus defense costs.

4. Auto liability limits shown as 30/60/15 mean a per-person bodily injury limit, a per-accident bodily injury limit, and a:

Per-accident property damage limit

Split limits express per-person BI, per-accident BI, and per-accident property damage maximums (e.g., 30/60/15).

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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.