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  4. Personal Auto Policy

Free Personal Auto Policy Practice Questions

Ohio Personal Lines exam — 34 practice questions.

Subtopics: 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

Read the Personal Auto Policy study guide

Sample questions & answers

1. Part A of the Personal Auto Policy provides:

Liability coverage for bodily injury and property damage the insured causes to others

Part A (Liability) pays damages the insured is legally responsible for due to bodily injury or property damage to others.

2. Part B (Medical Payments) of the PAP pays:

Reasonable medical expenses for the insured and passengers injured in an auto accident

Part B pays reasonable and necessary medical expenses for covered persons injured in an auto accident, regardless of fault.

3. Part C (Uninsured/Underinsured Motorists) of the PAP protects the insured against:

Bodily injury caused by uninsured or underinsured at-fault drivers

Part C pays for the insured's injuries caused by at-fault drivers who have no or insufficient liability insurance.

4. Part D collision coverage pays for damage to the insured's auto resulting from:

Impact with another vehicle or object, or overturn

Collision coverage pays for damage to the covered auto from impact with another object or vehicle, or from overturning.

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 Pennsylvania Insurance Department and the exam administrator before relying on it.