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  2. Michigan
  3. Property & Casualty
  4. Personal Automobile Policy

Free Personal Automobile Policy Practice Questions

Michigan Property & Casualty exam — 29 practice questions.

Subtopics: No-fault system, 2019 reform PIP choice, PIP unlimited option, PIP opt-out, PIP components, Residual liability, Property protection, MCCA reimbursement, Collision coverage, Comprehensive coverage, Uninsured motorist, Mini tort, Compulsory coverage, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, Medical payments, Other than collision, Transportation expenses, Underinsured motorist, Towing and labor

Read the Personal Automobile Policy study guide

Sample questions & answers

1. Michigan's personal auto insurance system is based on:

A no-fault framework

Michigan uses a no-fault auto system where injured persons first turn to their own coverage for benefits.

2. A major change from Michigan's 2019 no-fault reform is that drivers may now:

Choose a level of PIP medical coverage

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

3. Under Michigan's reformed no-fault law, one available PIP medical option is:

Unlimited (uncapped) medical coverage

Drivers may still select unlimited PIP medical coverage among the available reform options.

4. Certain Michigan drivers may opt out of PIP medical coverage if they have:

Qualifying health coverage such as Medicare

Drivers with qualifying health coverage (for example Medicare) may, under conditions, opt out of PIP medical.

All Property & Casualty topics

Practice: Personal Automobile 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.