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  4. Personal Auto Policy

Free Personal Auto Policy Practice Questions

Montana Personal Lines exam — 50 practice questions.

Subtopics: Medical payments, Comprehensive, Collision, Who is an insured, Underinsured motorist, Transportation expense, Livery exclusion, Declarations, Deductible, Duty to defend, Towing and labor, Out-of-state provision, Eligible vehicles, Racing exclusion, 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, 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. Medical payments coverage under a personal auto policy generally pays for:

reasonable medical expenses for the insured and passengers regardless of fault

Medical payments coverage pays reasonable medical expenses for the insured and passengers without regard to fault.

2. Damage to a covered auto caused by hail, fire, or theft is paid under which part of the PAP?

other than collision (comprehensive) coverage

Hail, fire, and theft are paid under other than collision (comprehensive) coverage.

3. Collision coverage under the PAP applies when the covered auto:

overturns or strikes another object or vehicle

Collision coverage applies when the auto overturns or strikes another object or vehicle.

4. Under the liability section of the PAP, the term insured generally includes:

the named insured and resident family members using a covered auto

The liability insured generally includes the named insured and resident family members using a covered auto.

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.