1. Exam Prep
  2. South Carolina
  3. Property & Casualty
  4. Personal Automobile Policy

Free Personal Automobile Policy Practice Questions

South Carolina Property & Casualty exam — 29 practice questions.

Subtopics: Negligence system, Tort system, Driving uninsured, Property damage liability, Bodily injury liability, Comprehensive deductible, Gap exposure, Rating factors, SR-22, Medical payments, Permissive use, Stacking, Unearned premium, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, 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. South Carolina determines auto fault using:

A modified comparative negligence rule that bars recovery if the claimant is more than 50% at fault

South Carolina applies a modified comparative negligence rule, commonly described as a 51% bar to recovery; verify the current standard.

2. South Carolina's auto insurance system is generally based on:

A tort (at-fault) system in which the at-fault driver is liable

South Carolina uses a tort, or at-fault, system in which the negligent driver is responsible for resulting damages.

3. A South Carolina driver who fails to maintain required auto liability insurance may face:

Penalties such as fines or license suspension

Driving without the required liability insurance can result in penalties such as fines, fees, or suspension.

4. Property damage liability under an auto policy pays for damage the insured causes to:

Another person's property, such as their vehicle

Property damage liability pays for damage the insured negligently causes to another person's property.

All Property & Casualty topics

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.