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  4. Personal Auto Policy

Free Personal Auto Policy Practice Questions

Vermont Personal Lines exam — 107 practice questions.

Subtopics: Liability coverage, Split limits, Medical payments, Uninsured motorist, Underinsured motorist, Collision, Comprehensive, Physical damage deductible, Towing and labor, Rental reimbursement, Named insured, Newly acquired auto, Intentional acts exclusion, Livery exclusion, Coverage territory, Stacking, Policy structure DICE, Declarations, Insuring agreement, Exclusions, Actual cash value, Replacement cost, Coinsurance purpose, Coinsurance penalty math, Coinsurance no penalty, Deductible effect, Named perils, Open perils, Burden of proof, Subrogation, Salvage, Appraisal provision, Pro rata other insurance, Vacancy, Real vs personal property, Negligence, Elements of negligence, Compensatory damages, Punitive damages, Bodily injury, Property damage, Occurrence, Absolute liability, Vicarious liability, Comparative negligence, Liability limits, Binder, Endorsement, Stated value vs agreed value, Abandonment, Mortgagee clause, Assignment, Proximate cause, Attractive nuisance, Hold harmless agreement, Certificate of insurance, Valued policy, Blanket vs specific, Liability vs property insurance, Duties after loss, Concurrent causation, Conditions section, Definitions section, Pair or set clause, Inflation guard, Aggregate limit, Combined single limit, Sublimit, Self-insured retention, Primary vs excess coverage, Excess other insurance clause, Escape other insurance clause, Flat cancellation, Pro rata cancellation, Short-rate cancellation, Nonrenewal, Liberalization clause, No benefit to bailee, Loss payable clause, Sue and labor, Occurrence trigger, Retroactive date, Extended reporting period, Contributory negligence, Last clear chance, Res ipsa loquitur, Assumption of risk, Negligence per se, General vs special damages, Nominal damages, Direct vs consequential loss, Time element coverage, Catastrophe, Floater, Wear and tear exclusion, Inherent vice exclusion, Mysterious disappearance, Pollution exclusion, Earth movement exclusion, Personal injury offense, Duty to defend, Defense within limits, Statute of limitations, Pure premium, Exposure unit, Reasonable repairs, Actual cash value calculation

Read the Personal Auto Policy study guide

Sample questions & answers

1. Part A (Liability) of a personal auto policy pays for:

Bodily injury and property damage the insured is legally liable for

Liability coverage pays sums the insured becomes legally responsible for due to bodily injury or property damage from an auto accident.

2. In split liability limits of 25/50/10, the 50 represents the maximum for:

Total bodily injury per accident for all persons

The middle number is the total bodily injury limit per accident for all injured persons combined.

3. Medical payments coverage under a personal auto policy generally pays:

Reasonable medical expenses for the insured and passengers regardless of fault

Medical payments coverage pays reasonable medical expenses for the insured and passengers on a no-fault basis up to the limit.

4. Uninsured motorist coverage protects the insured when:

An at-fault driver has no liability insurance

Uninsured motorist coverage pays the insured's damages when the at-fault driver has no liability insurance.

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.