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

Free Personal Auto Policy Practice Questions

Minnesota Personal Lines exam — 50 practice questions.

Subtopics: No-fault system, Mandatory PIP, PIP minimum amount, PIP benefit split, Minimum liability limits, Uninsured and underinsured motorist, Tort threshold, Bodily injury liability, Property damage liability, Collision coverage, Comprehensive coverage, Coverage relationships, Financial responsibility, Named insured, 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. Minnesota's personal automobile insurance system is best described as which type?

A no-fault system

Minnesota is a no-fault auto insurance state, meaning an injured person's own insurer pays certain economic losses regardless of who caused the accident.

2. Because Minnesota is a no-fault state most personal auto policies must include which mandatory coverage?

Personal injury protection (basic economic loss benefits)

Minnesota requires personal injury protection, often called basic economic loss benefits, which pays the insured's medical and wage-loss costs regardless of fault.

3. The minimum personal injury protection benefit per person in Minnesota is commonly cited as approximately what?

About 40000 dollars

Minnesota's mandatory personal injury protection is commonly cited as a minimum of about 40000 dollars per person; producers should verify the current statutory amount.

4. The commonly cited minimum Minnesota personal injury protection benefit is generally split in what way per person?

About 20000 dollars for medical and about 20000 dollars for non-medical or wage loss

The commonly cited 40000 dollar minimum is generally described as about 20000 dollars for medical expenses and about 20000 dollars for non-medical losses such as wage loss; verify current figures.

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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.