Free Personal Automobile Policy Practice Questions
South Carolina Casualty exam — 107 practice questions.
Subtopics: Minimum limits, Required territory, Uninsured motorist, Underinsured motorist, Unknown driver, Offer of optional coverage, Named driver exclusion, Deductibles, Physical damage, Assigned risk, Auto cancellation notice, Director review, New business period, Auto cancellation reasons, Auto nonrenewal, Records, Underwriting restrictions, Unfair discrimination, Rating restrictions, Reduction in coverage, Financial responsibility, Proof of insurance, Registration security, Lapse of insurance, Operating uninsured, Accident reporting, Certified policies, Claim payments, Permitted exclusions, First-party benefits, Tort system, UM and UIM, Persons insured, Uninsured motorists, Medical payments, PAP structure, Your covered auto, Newly acquired auto, Family member, You and your, Part A exclusions, Supplementary payments, Out of state coverage, Other insurance, Part B medical payments, Part C uninsured motorists, Underinsured motorists, Part D collision vs OTC, Part D transportation expenses, Part D nonowned auto, Part D exclusions, Part D limit of liability, Part D appraisal, Part E duties, Policy territory, Part F termination, Part F two-or-more autos, Auto financial responsibility, No-fault concepts, Auto insurance plans, Part D coverage
Read the Personal Automobile Policy study guide
Sample questions & answers
1. South Carolina's minimum required auto liability limits are:
$25,000 per person / $50,000 per accident BI / $25,000 PD
Section 38-77-140(A) requires at least $25,000 for bodily injury to one person, $50,000 for two or more persons, and $25,000 for property damage in any one accident.
2. The minimum property damage liability limit required on a South Carolina auto policy is:
$25,000 per accident
Section 38-77-140(A)(3) requires twenty-five thousand dollars because of injury to or destruction of property of others in any one accident.
3. A South Carolina driver carrying only the minimum liability limits injures three people in one accident. The most the policy pays for all bodily injury in that accident is:
$50,000
Section 38-77-140(A)(2) sets $50,000 for bodily injury to two or more persons in any one accident, subject to the $25,000 per-person limit.
4. South Carolina requires an auto liability policy to insure against liability arising from use of the vehicle within:
The United States or Canada
Section 38-77-140(A) requires coverage for liability arising out of ownership, maintenance, or use of the vehicles within the United States or Canada.
Practice: Personal Automobile Policy
Answer choices are shuffled every time, and every question comes with an explanation.
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.
