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  4. Personal Automobile Policy

Free Personal Automobile Policy Practice Questions

Nebraska Property & Casualty exam — 29 practice questions.

Subtopics: Property damage liability, Supplementary payments, Uninsured motorist, Underinsured motorist, Out-of-state coverage, Loss settlement, Theft transportation, Regular-use vehicle, Trailer coverage, Temporary substitute auto, Named non-owner, Intentional acts, Custom equipment, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, Medical payments, Collision coverage, Other than collision, Transportation expenses, Towing and labor

Read the Personal Automobile Policy study guide

Sample questions & answers

1. If an insured driver knocks down a neighbor's fence with the covered auto, the repair cost is paid under the PAP's:

Liability coverage

Liability coverage pays for property damage the insured causes to others, such as a damaged fence.

2. Defense costs the insurer pays in addition to the liability limit are known as:

Supplementary payments

Supplementary payments such as defense costs are paid in addition to the stated liability limit.

3. If an at-fault uninsured driver injures the insured, the insured's own coverage that responds is:

Uninsured motorist bodily injury coverage

Uninsured motorist bodily injury coverage pays the insured's injuries caused by an at-fault uninsured driver.

4. When an at-fault driver's liability limits are too low to cover the insured's injuries, the coverage that helps make up the difference is:

Underinsured motorist coverage

Underinsured motorist coverage applies when the at-fault driver's limits are insufficient for the insured's injuries.

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.