Free Personal Auto Policy Practice Questions
Wisconsin Personal Lines exam (series 22-09) — 182 practice questions.
Subtopics: Auto fault system, Minimum auto limits, Uninsured motorist, Financial responsibility, Liability coverage, Medical payments, Underinsured motorist, Collision coverage, Comprehensive coverage, Covered persons, Split limits, Newly acquired auto, Exclusions, Towing coverage, Rental reimbursement, Deductible on physical damage, Stacking, Minimum limits, Mandatory insurance, Uninsured penalty, Proof in vehicle, Proof of FR methods, Certified policy cancellation, Certified policy nonpayment, Territory, UM required, UIM optional, UIM limits, UIM rejection, Med pay required, Med pay rejection, Phantom vehicle, Phantom sworn statement, Uninsured vehicle defined, Omnibus coverage, Prohibited exclusions, Intoxication exclusion, Age exclusion, Passenger exclusion, Accident notice period, Anti-stacking, Reducing clause, Drive other car exclusion, Umbrella exemption, Prohibited cancellation reasons, Business accidents, Odometer data, Glass repair, Nonoriginal parts, Minor driver sponsor, Wrongful death cap, Comparative negligence, Damage reduction, Noncooperation defense, WAIP purpose, WAIP agent duty, WAIP agent status, WAIP driving record, WAIP limits, WAIP physical damage, WAIP med pay, WAIP eligibility, WAIP surcharge, Part A liability, Part B medical payments, Part C UM, Part D collision, Other than 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, 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, Medical payments insureds, Medical payments exclusions, Medical payments other insurance, Uninsured motor vehicle, Hit and run, UM exclusions, UM arbitration, 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, Policy territory, 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. Wisconsin's personal auto liability system is generally based on:
A tort approach with comparative negligence
Wisconsin generally follows a tort (at-fault) system, where the at-fault driver's insurance is responsible for damages.
2. Wisconsin’s minimum auto liability limits are:
25/50/10
Wisconsin requires $25,000 per person and $50,000 per accident for bodily injury and $10,000 for property damage.
3. Which coverage must be included in every Wisconsin auto liability policy on a vehicle registered or garaged in Wisconsin?
Uninsured motorist coverage
UM of at least 25/50 is mandatory; UIM is optional, with a one-time written notice of availability.
4. Wisconsin's financial responsibility law requires drivers to:
Show ability to pay for damages they may cause
Financial responsibility laws require drivers to show they can cover damages, typically by maintaining liability insurance.
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.
