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  4. Personal Auto Policy

Free Personal Auto Policy Practice Questions

South Dakota Personal Lines exam — 50 practice questions.

Subtopics: Part A liability, Part B medical payments, Part C uninsured motorist, Collision coverage, Other than collision, Permissive user, Split limits, Split limit calculation, Newly acquired auto, Exclusions, Livery exclusion, Uninsured motorist purpose, Collision deductible, Duties after loss, Part C UM, Part D collision, Covered persons liability, Temporary substitute, Supplementary payments, Liability exclusion intentional, Liability exclusion livery, 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, Collision settlement, Total loss settlement

Read the Personal Auto Policy study guide

Sample questions & answers

1. Part A of the Personal Auto Policy (PAP) provides:

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

Part A is liability coverage, paying 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 from a covered auto accident

Part B pays reasonable and necessary medical expenses for the insured and passengers injured in a covered auto accident.

3. Part C of the Personal Auto Policy provides:

Uninsured and underinsured motorist coverage

Part C provides uninsured and underinsured motorist coverage for the insured's injuries caused by such drivers.

4. Collision coverage under Part D of the PAP pays for damage to the insured's auto caused by:

Impact with another vehicle or object, or upset of the vehicle

Collision coverage pays for damage to the covered auto from striking another vehicle or object 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 Insurance Department and the exam administrator before relying on it.