Free Missouri Personal Lines Practice Exam Online

Correct answer: B. Part C — Uninsured Motorists Coverage

Correct. Part C, Uninsured Motorists (and typically Underinsured Motorists) Coverage, protects the insured when an at-fault driver carries no insurance or insufficient limits to cover the loss.

• A: Part A covers the insured's liability to others; it does not compensate the insured's own injuries caused by another driver.
• C: Part D addresses physical damage to the insured's own vehicle (collision/comprehensive), not bodily injury.
• D: Part E lists the insured's post-accident duties (such as reporting the loss and cooperating with the investigation); it is not a coverage-granting section.

Correct answer: B. HO-4

Correct. HO-4, the renters (tenant's) form, covers the tenant's personal property and personal liability without providing dwelling coverage, since the tenant does not own the structure.

• A: HO-3 insures a dwelling structure the policyholder owns, which does not apply to a renter with no ownership interest in the building.
• C: HO-6 is written for condominium unit owners who own their individual unit, not for a renter with no ownership interest.
• D: HO-8 is a modified dwelling form for older owned homes, not applicable to a non-owner tenant.

Correct answer: B. 25/50/25 ($25,000 bodily injury per person / $50,000 bodily injury per accident / $25,000 property damage)

Correct. Missouri's Motor Vehicle Financial Responsibility Law, RSMo § 303.190, sets minimum liability limits of $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage.

• A: 10/20/10 does not match Missouri's current minimum financial responsibility limits.
• C: 50/100/50 exceeds Missouri's statutory minimum; it would be an example of higher optional limits, not the required minimum.
• D: 15/30/15 does not match Missouri's current minimum liability requirement.

Correct answer: A. Part A — Liability Coverage

Correct. Part A of the standard PAP is Liability Coverage, addressing the insured's legal obligation to pay for bodily injury and property damage caused to others.

• B: Part B (Medical Payments) covers medical expenses for the insured and passengers regardless of fault, not the insured's liability to third parties.
• C: Part D covers physical damage to the insured's own vehicle, a first-party coverage unrelated to liability to others.
• D: Part F contains general policy conditions and provisions, not the substantive liability insuring agreement.

Correct answer: B. Personal lines property and casualty insurance coverage sold to individuals and families for primarily noncommercial purposes

Correct. RSMo § 375.018 lists "personal lines" as a distinct line of authority covering property and casualty insurance sold to individuals and families for primarily noncommercial purposes.

• A: Commercial coverage sold to businesses falls under the general property and/or casualty lines of authority, not the personal lines authority, which is scoped to individuals and families.
• C: Personal lines authority is not limited to auto; it also covers homeowners, renters, and similar personal property/casualty products.
• D: Life insurance is a separate, distinct line of authority under RSMo § 375.018, not part of the personal lines P&C authority.