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

Free Personal Automobile Policy Practice Questions

Minnesota Property & Casualty exam — 29 practice questions.

Subtopics: No-fault system, Basic economic loss benefits, Uninsured motorist, Underinsured motorist, Liability limits, Tort threshold, Split limits, Bodily injury liability, Collision deductible, Comprehensive coverage, Towing and labor, Permissive use, Proof of financial responsibility, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, Medical payments, Collision coverage, Other than collision, Transportation expenses

Read the Personal Automobile Policy study guide

Sample questions & answers

1. Under which auto insurance system does an injured Minnesota motorist's own insurer pay certain economic losses regardless of fault?

A no-fault system

Minnesota uses a no-fault auto system, so an injured person's own insurer pays certain economic losses regardless of who caused the accident.

2. Minnesota's mandatory no-fault benefits that pay an insured's medical and wage loss are commonly called what?

Personal injury protection or basic economic loss benefits

Minnesota's mandatory no-fault coverage, commonly called personal injury protection or basic economic loss benefits, pays the insured's medical and wage-loss costs regardless of fault.

3. Coverage that protects an insured injured by an at-fault driver who has no insurance is called what?

Uninsured motorist coverage

Uninsured motorist coverage protects the insured for injuries caused by an at-fault driver who has no liability insurance, and Minnesota generally requires it.

4. Coverage that applies when an at-fault driver has insurance but not enough to cover the injury is called what?

Underinsured motorist coverage

Underinsured motorist coverage applies when the at-fault driver's liability limits are insufficient, and Minnesota generally requires it.

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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.