Free Personal Auto Policy Practice Questions
South Carolina Personal Lines exam — 191 practice questions.
Subtopics: Liability coverage, Medical payments, Uninsured motorists, Collision, Other than collision, Newly acquired auto, Definition of insured, Exclusions, Coverage territory, Uninsured motorist purpose, Split limits, Towing and labor, Transportation expenses, Duties after loss, 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, Part A liability, Part B medical payments, Part C UM, Part D collision, Covered persons liability, Temporary substitute, Supplementary payments, Liability exclusion intentional, Liability exclusion livery, 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, Electronic equipment limit, Appraisal physical damage, No-fault PIP, Right to recover, Collision settlement, Total loss settlement, Definitions - spouse, Definitions - leased autos, Definitions - family member, Definitions - occupying, Temporary substitute auto, Part A insureds, Part A insuring agreement, Part A exclusions, Ridesharing, Livery exclusion exceptions, Auto business exclusion, Business use exclusion, Reasonable belief exclusion, Vehicle sharing, Fewer than four wheels, Regular use exclusion, Racing exclusion, Flying vehicles, Split limits calculation, Limit of liability, Other insurance, Medical payments insureds, Medical payments exclusions, Medical payments other insurance, Uninsured motor vehicle, Hit and run, UM exclusions, UM arbitration, Collision definition, Non-owned auto deductible, Part D exclusions, Custom equipment, Part D limits, Trailers and campers, Governmental confiscation, Part D valuation, Betterment, Payment of loss, Other sources of recovery, Rental car exclusion, Cancellation, Nonrenewal, Automatic termination, Policy territory, Limited Mexico coverage, Transfer of interest, Two or more auto policies, Subrogation, Legal action, Residual markets, Medical payments calculation, Part D coverage, Extended non-owned coverage, Miscellaneous type vehicle
Read the Personal Auto Policy study guide
Sample questions & answers
1. Which part of the ISO Personal Auto Policy provides bodily injury and property damage liability coverage?
Part A
In the PP 00 01 form, Part A is Liability Coverage; Part B is Medical Payments, Part C is Uninsured Motorists, and Part D is Coverage for Damage to Your Auto.
2. Part B of the Personal Auto Policy (medical payments) covers:
Medical and funeral expenses of insureds
Part B pays reasonable expenses for necessary medical and funeral services because of bodily injury caused by accident and sustained by an insured, regardless of fault.
3. Part C of the Personal Auto Policy provides:
Uninsured motorists coverage
In PP 00 01, Part C is Uninsured Motorists Coverage; underinsured motorists coverage is added by endorsement, and South Carolina requires UIM to be offered.
4. Under Part D of the Personal Auto Policy, collision coverage pays for:
Impact with an object or upset
The PAP defines collision as the upset of your covered auto or a non-owned auto or their impact with another vehicle or object.
Practice: Personal Auto 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.
