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

Free Personal Auto Policy Practice Questions

Michigan Personal Lines exam — 49 practice questions.

Subtopics: No-fault basis, PIP choice, PIP unlimited, PIP opt-out, PIP benefits, Residual liability, Property protection, MCCA reimbursement, Mini tort, Collision, Comprehensive, Compulsory insurance, Uninsured motorist, 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, 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. Michigan personal auto insurance operates under a:

No-fault system

Michigan uses a no-fault auto system in which injured persons first look to their own coverage.

2. Since the 2019 no-fault reform, Michigan drivers may:

Choose a level of PIP medical coverage

The 2019 reform allows drivers to choose among PIP medical coverage levels rather than only unlimited.

3. One PIP medical option still available to Michigan drivers after reform is:

Unlimited medical coverage

Unlimited PIP medical coverage remains one of the choices available under the reformed law.

4. A Michigan driver may be allowed to opt out of PIP medical if they have:

Qualifying health coverage such as Medicare

Drivers with qualifying health coverage like Medicare may, under conditions, opt out of PIP medical.

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.