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  4. Personal Automobile Policy

Free Personal Automobile Policy Practice Questions

New Jersey Property & Casualty exam — 29 practice questions.

Subtopics: No-fault, PIP, Policy types, Lawsuit options, Limited tort, Full tort, Default tort, Threshold injuries, Basic PIP, Standard PIP, Residual market, UM coverage, Deemer statute, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, Medical payments, Uninsured motorist, Collision coverage, Other than collision, Transportation expenses, Underinsured motorist, Towing and labor

Read the Personal Automobile Policy study guide

Sample questions & answers

1. New Jersey is best described as which type of auto insurance state?

A no-fault state using personal injury protection

New Jersey is a no-fault state where PIP pays an insured's medical costs regardless of fault.

2. Personal Injury Protection (PIP) in a New Jersey auto policy pays for the insured's:

Medical expenses regardless of fault

PIP pays the insured's medical expenses (and certain other costs) without regard to fault.

3. New Jersey drivers generally choose between which two auto policy types?

The Standard Policy and the Basic Policy

New Jersey offers a Standard Policy and a lower-cost Basic Policy with more limited benefits.

4. On a New Jersey Standard auto policy, the insured must choose between which lawsuit options?

Limitation on Lawsuit and No Limitation on Lawsuit

Standard policyholders elect the Limitation on Lawsuit option or the No Limitation on Lawsuit option.

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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.