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  4. Personal Auto Policy

Free Personal Auto Policy Practice Questions

Ohio Personal Lines exam — 45 practice questions.

Subtopics: Liability part, Physical damage, Rental reimbursement, Gap concept, UMPD, Split limits, Permissive use, Territory, 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, Transportation expenses, Towing and labor, Loss settlement physical damage, Duties after accident, 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. Part A of the Personal Auto Policy provides:

Liability coverage

Part A of the PAP is liability coverage.

2. Damage to the insured's own vehicle is covered under which PAP part?

Part D - Coverage for Damage to Your Auto

Part D covers physical damage to the insured's own auto.

3. An optional auto coverage that pays for a rental car while the insured's car is repaired after a covered loss is:

Transportation expense (rental reimbursement)

Transportation expense (rental reimbursement) pays for a substitute vehicle.

4. When a financed car is totaled and the loan exceeds the car's ACV, the shortfall may be covered by:

Gap coverage

Gap coverage pays the difference between the loan balance and the car's ACV.

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.