Free Personal Automobile Policy Practice Questions
Wisconsin Property & Casualty exam — 102 practice questions.
Subtopics: Auto liability system, Required UM coverage, Minimum financial limits, Duties after loss, Supplementary payments, Out-of-state coverage, Loss settlement physical damage, Non-owned auto, Trailer coverage, Intentional acts exclusion, Anti-stacking, Audio equipment, Family member definition, Appraisal clause, Medical payments scope, 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, 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, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, Medical payments, Uninsured motorist, Collision coverage, Other than collision, Transportation expenses, Underinsured motorist, Towing and labor, Newly acquired autos, Definitions, Liability exclusions, Uninsured motorists, Physical damage exclusions, Policy territory, Termination, Residual market
Read the Personal Automobile Policy study guide
Sample questions & answers
1. Wisconsin auto accident liability is handled under a system that is:
Tort-based, with comparative negligence
Wisconsin has no no-fault/PIP law; the negligent party is liable in tort, with recovery reduced by the claimant’s comparative negligence.
2. Every Wisconsin auto liability policy on a vehicle registered or garaged in Wisconsin must include which coverage?
Uninsured motorist coverage
UM coverage of at least 25/50 is required; UIM is optional, with a one-time notice of availability.
3. Wisconsin’s minimum auto liability limits for bodily injury per person, per accident, and property damage are:
25/50/10
Proof of financial responsibility requires $25,000 per person, $50,000 per accident for bodily injury and $10,000 property damage.
4. After an auto accident, an insured's duties under the policy generally include:
Promptly notifying the insurer and cooperating in the investigation
The insured must promptly notify the insurer, cooperate, and provide requested information after a loss.
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Practice: Personal Automobile 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.
