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  2. New Jersey
  3. Personal Lines
  4. Personal Auto Policy

Free Personal Auto Policy Practice Questions

New Jersey Personal Lines exam — 50 practice questions.

Subtopics: No-fault concept, Standard policy, Basic policy, Limited tort cost, Full tort cost, Tort choice scope, Default option, PIP scope, Uninsured motorist, Underinsured motorist, Collision, Comprehensive, Liability coverage, Driving uninsured, 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. Which auto coverage pays an insured's own accident-related medical bills no matter who caused the crash?

Personal Injury Protection (PIP)

PIP is New Jersey's no-fault coverage paying the insured's medical costs regardless of fault.

2. Most New Jersey drivers purchase which auto policy because it offers broader coverage and options?

The Standard Policy

The Standard Policy offers more coverage and options and is chosen by most New Jersey drivers.

3. The New Jersey Basic Policy is generally best suited for drivers who:

Have few assets and want minimal cost

The lower-cost Basic Policy may suit those with few assets, though it provides limited protection.

4. Choosing the Limitation on Lawsuit option usually results in:

A lower premium with a restricted right to sue

The verbal threshold (limited tort) lowers premium but restricts suing for pain and suffering.

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.