Personal Auto Insurance Refresher FINAL EXAM (FL SAMPLE)

Marine, fire, and life insurance are thought of as which of the following?

Which of the following is not a form of casualty insurance?

Tort law, and therefore liability, is determined through which two processes?

If a person has no legal duty to help someone, which of the following is true?

Personal automobile policies are related to indemnity in which of the following ways?

The fact that collision insurance is not compulsory encourages which of the following?

In states where the law requires that drivers have liability insurance, which of the following is true?

Setting a limit of liability that drivers must meet ensures which of the following?

Assigned risk plans cater to which class of drivers?

A personal automobile policy can cover which of the following?

Which of the following is a coverage that pays for medical costs regardless of if the insured is determined to be at fault or not?

Damages to the insured’s automobile not caused by the negligence of other drivers is covered by which of the following?

Which of the following is true of an insurer writing up a Person Auto Policy contract?

In a Personal Auto Policy, which party is typically referred to as “you?”

When an insured gets a new vehicle they should do which of the following?

The rate an insured pays for coverage is determined using which of the following factors?

Insurers limit payouts in Personal Auto Policies in which of the following ways?

In order for an insured to collect from an Uninsured Motorists Coverage which of the following is required?

Which coverage would pay for losses caused by a covered vehicle impacting another vehicle or object?

If a squirrel jumped into an insured’s covered car and caused that insured to swerve into a ditch, which coverage would pay for the damages?

The general insurer/insured agreement is that the insured will pay their premiums and the insurer will do which of the following?

How will an insured know what to do after a loss?

The premiums offered by an insurer can be affected by which of the following?

What tactic do insurers use to incentivize good driving records and safety measures?

Why do drivers need liability coverage under a No-Fault insurance system?