Free Personal Auto Policy Practice Questions
Virginia Personal Lines exam (series 11-07) — 192 practice questions.
Subtopics: Fault system, Minimum auto limits, Uninsured vehicle penalty, UM/UIM coverage, Contributory negligence, Auto liability, Collision, Other than collision, Medical payments, PAP eligibility, SR-22, Underinsured motorist, Towing, Rental reimbursement, Prior minimum limits, Policy territory, Omnibus clause, Nonowned auto consent, Multiple defendants, Failure to cooperate, Peer-to-peer sharing, Uninsured operation, Noncompliance fee, License plates, Insurance verification, Financial responsibility proof, SR-22 duration, UM limits, UM reduction, UM reduction binding, UIM limits, UIM without credit, UIM election notice, UM property damage, Uninsured definition, Hit and run, John Doe suit, UM arbitration, UM priority, UM insured, UM subrogation, Medical expense benefits, Income loss benefits, Medical expense subrogation, No credit for health insurance, Rental reimbursement offer, Aftermarket parts, Auto damage appraisals, Auto cancellation reasons, Auto nonpayment notice, Auto review request, Auto notice contents, Auto first 60 days, Auto nonrenewal prohibited, Comprehensive modification, Not-at-fault accidents, UM claim nonrenewal, Policies covered, Short-term policies, Commissioner review, Cancellation records, Proof of mailing, Assigned risk, Assigned risk coverage, Assigned risk reasons, Credit disclosure, Rate classification, Auto discrimination, Intercompany arbitration, Medical expense notice, Part A liability, Part B medical payments, Part C UM, Part D collision, Covered persons liability, Newly acquired auto, Temporary substitute, Supplementary payments, Liability exclusion intentional, Liability exclusion livery, Split limits, 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, 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, Financial responsibility, Medical payments insureds, Medical payments exclusions, Medical payments other insurance, Uninsured motor vehicle, UM exclusions, 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, Duties after loss, Cancellation, Nonrenewal, Automatic termination, Limited Mexico coverage, Transfer of interest, Two or more auto policies, Subrogation, Legal action, Residual markets, Medical payments calculation, Part D coverage, Uninsured motorists, Extended non-owned coverage, Miscellaneous type vehicle
Read the Personal Auto Policy study guide
Sample questions & answers
1. Virginia handles auto injury claims under:
A fault system with optional medical expense coverage
Owner policies insure against liability imposed by law (Va. Code 46.2-472), and medical expense and income loss benefits are optional purchases (Va. Code 38.2-2201).
2. Virginia's minimum auto liability limits for policies effective on or after January 1, 2025 are:
50/100/25
Va. Code 46.2-472(B) sets $50,000 per person, $100,000 per accident bodily injury and $25,000 property damage for policies effective on or after January 1, 2025.
3. An uninsured Virginia vehicle owner whose privileges are suspended must do what to be reinstated?
Pay a $600 noncompliance fee and file an SR-22 for three years
DMV requires the $600 noncompliance fee and a Financial Responsibility Insurance Certificate (SR-22) for three years, plus any reinstatement fee.
4. Uninsured/underinsured motorist coverage on a Virginia auto policy is:
Required, at liability limits unless a named insured lowers them
UM limits equal the liability limits unless any one named insured rejects the additional coverage, but not below the financial responsibility minimums; UIM limits equal UM limits.
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.
