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  3. Personal Lines
  4. Personal Auto Policy

Free Personal Auto Policy Practice Questions

Tennessee Personal Lines exam — 50 practice questions.

Subtopics: Liability coverage, Split limits, Medical payments, Uninsured motorist, Collision, Comprehensive, Deductible, Covered persons, Coverage territory, Comparative negligence, Optional coverages, Exclusions, Livery exclusion, Loss settlement, 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, 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. The Personal Auto Policy coverage that pays for bodily injury and property damage the insured is legally liable for is:

Liability coverage (Part A)

Part A liability coverage pays for bodily injury and property damage to others for which the insured is legally responsible.

2. A liability limit shown as 25/50/15 generally means:

25,000 dollars per person and 50,000 dollars per accident for bodily injury, and 15,000 dollars property damage

Split limits of 25/50/15 mean 25,000 dollars per person and 50,000 dollars per accident for bodily injury plus 15,000 dollars property damage; this is commonly cited as Tennessee's minimum, which should be verified.

3. Personal Auto medical payments coverage generally pays:

Reasonable medical expenses for the insured and passengers regardless of fault

Medical payments coverage pays reasonable medical expenses for the insured and occupants of the covered auto regardless of fault.

4. Coverage that protects the insured when an at-fault driver has no or too little liability insurance is:

Uninsured/underinsured motorist coverage

Uninsured/underinsured motorist coverage protects the insured when the at-fault party lacks adequate liability insurance; Tennessee insurers must offer it.

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.