Free Louisiana Personal Lines Practice Exam Online

Correct answer: A. Damage to the insured's own vehicle from impact with another vehicle or object, regardless of fault

Correct. Collision coverage pays for damage to the insured's own auto resulting from impact with another vehicle or object, regardless of who is at fault for the accident.

• B: Theft and vandalism are non-collision losses covered under comprehensive coverage, not collision coverage.
• C: Liability owed to third parties for bodily injury falls under Part A, not the first-party physical damage coverage in Part D.
• D: Medical expenses for the insured are addressed under medical payments coverage (Part B), not collision coverage.

Correct answer: A. Individual auto and homeowners insurance for personal, non-commercial use

Correct. The personal lines license is a narrower scope of the property/casualty authority, limited to individual auto and homeowners coverage for personal, non-commercial use.

• B: Commercial general liability falls under the broader Casualty line of authority, not the narrower Personal Lines scope.
• C: Group life insurance requires the Life line of authority, unrelated to Personal Lines.
• D: Workers' compensation is a commercial casualty coverage, outside the scope of the Personal Lines authority.

Correct answer: B. Personal Lines is narrower, limited to individual auto and homeowners risks, while full P&C also covers commercial property and casualty exposures

Correct. The Personal Lines authority is a subset of the broader Property & Casualty authority, restricted to individual auto and homeowners coverage, while full P&C also authorizes commercial lines.

• A: Personal Lines is narrower than full P&C, not broader; it excludes commercial auto and other commercial exposures.
• C: Personal Lines is a distinct, narrower line of authority than full Property & Casualty, not an identical scope.
• D: Personal Lines specifically covers individual auto and homeowners property/casualty risks; it does not include life insurance.

Correct answer: C. Part A – Liability Coverage

Correct. Part A provides liability coverage, paying for bodily injury and property damage the insured is legally responsible for after a covered accident.

• A: Part C protects the insured against an at-fault driver with no or insufficient insurance, not the insured's own liability to others.
• B: Part D covers physical damage to the insured's own vehicle, not liability owed to third parties.
• D: Part F contains administrative and general policy conditions, not the substantive liability coverage grant.

Correct answer: D. Regardless of who is at fault for the accident, up to the policy's stated limit

Correct. Medical Payments Coverage pays reasonable medical expenses for covered persons injured in an auto accident regardless of fault, up to the policy's stated limit.

• A: Medical Payments Coverage is a no-fault benefit; it is not conditioned on the insured being at fault.
• B: Medical Payments Coverage addresses injuries from the covered accident itself, not injuries manifesting only after a one-year delay.
• C: Medical Payments Coverage generally extends to the named insured, resident relatives, and passengers, not passengers exclusively.