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  4. Personal Auto Policy

Free Personal Auto Policy Practice Questions

Virginia Personal Lines exam — 50 practice questions.

Subtopics: Virginia fault system, Minimum limits, UMV fee history, UM/UIM requirement, Contributory negligence, Liability coverage, Collision, Comprehensive, Medical payments, Eligible vehicles, SR-22, Underinsured motorist, Towing and labor, Rental reimbursement, 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, Split limits, Transportation expenses, 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. Virginia handles auto liability under:

A tort (fault) system

Virginia uses a tort/fault-based system for auto liability.

2. Virginia's minimum auto liability limits are commonly cited as:

30/60/20

Virginia minimum auto liability limits are commonly cited as 30/60/20; verify current figures as they can change.

3. Historically, a Virginia motorist could legally drive uninsured by:

Paying an Uninsured Motor Vehicle fee, though Virginia has moved toward requiring insurance

Virginia historically allowed payment of an Uninsured Motor Vehicle fee instead of buying coverage; the state has moved toward mandatory insurance, so confirm current law.

4. Uninsured/underinsured motorist coverage on a Virginia auto policy is:

Mandatory, generally at the liability limits unless adjusted as allowed

Virginia requires UM/UIM coverage, generally at the bodily injury liability limits, subject to permitted options.

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.