WISCONSIN CASUALTY EXAM: 100% EXPERT VERIFIED
STUDY GUIDE REAL TESTING 2026|2027 QUESTIONS
DETAILED ANSWERS AND INSTRUCTOR NOTE FOR A+
GUARANTEED PASS
What type of coverage is included in Homeowners policies, but is not available in Dwelling
Policies? - Answers -Liability Coverage
If an auto policy has split limits of 30/50/25, how much will the policy pay for property damage
in a single accident? - Answers -25,000
What would be considered a newly acquired auto? - Answers -A vehicle acquired by the insured
during the policy period
What is a combined limit in an auto insurance policy? - Answers -The max amount the insurer
will pay on a covered loss
What do numerical symbols represent in auto policies? - Answers -They define the type of
vehicle insured for specific coverage
What is the limit of liability in Part D: Coverage for Damage to Your Auto? - Answers -The lesser
of the ACV of the vehicle or the amount needed to repair or replace the vehicle
1|Page
,If an insured is injured driving his own car, what coverage in his personal auto policy will pay for
the loss? - Answers -Part B: Medical Payments
How much will a physical damage policy pay for transportation expenses due to a theft of a
covered auto? - Answers -The policy will pay $20 per day up to a max of $600 for transportation
expenses incurred by the insured
What coverages are available in the physical damage section of the personal auto policy? -
Answers -Collision and other-than-collision coverages
Who is considered insured under Part A Liability of a Personal auto policy? - Answers -The
vehicle owner or his/her family member, or any person using the covered auto with permission
Underinsured Motorist coverage will pay the difference between which two limits? - Answers -
The insured's UIM limits and the at-fault drivers insurance bodily injury limits
If an auto policy has liability limits of 40/60/20, what would be the equivalent combined single
limit? - Answers -$80,000
2|Page
, What does the term "you" refer to in a personal auto policy? - Answers -The named insured
shown in the declarations, and the insured's spouse
What Personal Auto coverage would pay for the insured's travel expenses and loss of earning
while the insured is involved in the settlement process of a covered loss? - Answers -Part A
liability
What losses are excluded from coverage in the liability section of the Personal Auto Policy? -
Answers -Intentional injury or damage, damage to property owned or transported by the
insured, use of a vehicle without permission
What Personal Auto coverage would pay for damages to a covered auto caused by a collision
with a deer? - Answers -Other-than-collision
What is a covered Auto? - Answers -A vehicle in the policy declaration
A vehicle rented from a commercial rental company is known as what type of auto? - Answers -
Hired Auto
In Personal Auto Policy, to what geographical region does the out of state coverage apply? -
Answers -Any US states or Territory, as well as Canada
3|Page
STUDY GUIDE REAL TESTING 2026|2027 QUESTIONS
DETAILED ANSWERS AND INSTRUCTOR NOTE FOR A+
GUARANTEED PASS
What type of coverage is included in Homeowners policies, but is not available in Dwelling
Policies? - Answers -Liability Coverage
If an auto policy has split limits of 30/50/25, how much will the policy pay for property damage
in a single accident? - Answers -25,000
What would be considered a newly acquired auto? - Answers -A vehicle acquired by the insured
during the policy period
What is a combined limit in an auto insurance policy? - Answers -The max amount the insurer
will pay on a covered loss
What do numerical symbols represent in auto policies? - Answers -They define the type of
vehicle insured for specific coverage
What is the limit of liability in Part D: Coverage for Damage to Your Auto? - Answers -The lesser
of the ACV of the vehicle or the amount needed to repair or replace the vehicle
1|Page
,If an insured is injured driving his own car, what coverage in his personal auto policy will pay for
the loss? - Answers -Part B: Medical Payments
How much will a physical damage policy pay for transportation expenses due to a theft of a
covered auto? - Answers -The policy will pay $20 per day up to a max of $600 for transportation
expenses incurred by the insured
What coverages are available in the physical damage section of the personal auto policy? -
Answers -Collision and other-than-collision coverages
Who is considered insured under Part A Liability of a Personal auto policy? - Answers -The
vehicle owner or his/her family member, or any person using the covered auto with permission
Underinsured Motorist coverage will pay the difference between which two limits? - Answers -
The insured's UIM limits and the at-fault drivers insurance bodily injury limits
If an auto policy has liability limits of 40/60/20, what would be the equivalent combined single
limit? - Answers -$80,000
2|Page
, What does the term "you" refer to in a personal auto policy? - Answers -The named insured
shown in the declarations, and the insured's spouse
What Personal Auto coverage would pay for the insured's travel expenses and loss of earning
while the insured is involved in the settlement process of a covered loss? - Answers -Part A
liability
What losses are excluded from coverage in the liability section of the Personal Auto Policy? -
Answers -Intentional injury or damage, damage to property owned or transported by the
insured, use of a vehicle without permission
What Personal Auto coverage would pay for damages to a covered auto caused by a collision
with a deer? - Answers -Other-than-collision
What is a covered Auto? - Answers -A vehicle in the policy declaration
A vehicle rented from a commercial rental company is known as what type of auto? - Answers -
Hired Auto
In Personal Auto Policy, to what geographical region does the out of state coverage apply? -
Answers -Any US states or Territory, as well as Canada
3|Page
