California Insurance Practice Test - Free 20 Questions

Question 1

An at-fault vehicle has no applicable liability insurance. How is it classified for UM purposes?

Accepted Answer

Uninsured motor vehicle

Answer

Cooperation

Answer

Symbol 8 - Hired Autos Only

Answer

MCS-90 endorsement

Question 2

Under George's Personal Auto Policy (PAP), which section pays for direct and accidental loss to the insured's covered auto, including collision and other-than-collision?

Accepted Answer

Part D (Damage to Your Auto)

Answer

Part E (Duties After an Accident)

Answer

Part F (General Provisions)

Answer

The Commercial Auto Endorsement

Question 3

A covered auto overturns without striking another object. Under which Part D category is the damage classified?

Accepted Answer

Collision upset

Answer

Other-than-collision falling objects

Answer

Symbol 4 Owned Autos Other Than Private Passenger

Answer

Trailer interchange agreement

Question 4

One liability limit applies to all covered bodily injury and property damage from an accident. What limit format is this?

Accepted Answer

PAP combined single limit

Answer

Pedestrian medical payments

Answer

Other-than-collision animal contact

Answer

Symbol 5 Owned Autos Subject to No-Fault

Question 5

Which PAP part provides no-fault medical and funeral expense coverage for qualifying insureds?

Accepted Answer

Part B - Medical Payments

Answer

Part C - Uninsured Motorists

Answer

Transportation expense

Answer

Symbol 7 - Specifically Described Autos

Question 6

Two related household members who are not spouses jointly own an auto. Which PAP endorsement can adapt coverage to this ownership?

Accepted Answer

Joint ownership coverage

Answer

Garagekeepers coverage

Answer

Occupying

Answer

Medical payments time limit

Question 7

In a Business Auto Policy, which symbol covers nonowned autos (autos owned by employees used in the Peach State Eats)?

Accepted Answer

Symbol 9

Answer

Symbol 8

Answer

Symbol 1

Answer

Symbol 7

Question 8

More than one uninsured-motorists policy may apply to the same loss. Which condition coordinates the available coverage?

Accepted Answer

UM other insurance condition

Answer

Other-than-collision animal contact

Answer

Symbol 3 Owned Private Passenger Autos

Answer

Garagekeepers direct primary

Question 9

An insurer requests documentation supporting an auto physical-damage claim. Which insured duty requires the information?

Accepted Answer

Proof of loss

Answer

Mobile equipment

Answer

Family member

Answer

No-fault conformity

Question 10

While driving, Diana hits a pothole and flips their car. Under Part D of the PAP, which coverage applies to the physical damage of Diana's car?

Accepted Answer

Collision

Answer

Part A (Liability)

Answer

Part B (Medical Payments)

Answer

Uninsured Motorists Property Damage

Free California Auto (Personal & Commercial) Practice Test

Question 1 of 10

An at-fault vehicle has no applicable liability insurance. How is it classified for UM purposes?