RMIN 4000 UGA test 3 Exam Questions
and Answers Graded A+
Auto Insurance - Correct answer--6 or 12 month policy
-premiums usually paid monthly or quarterly
5 general types of auto coverage - Correct answer-1. liability
2. damage
3. uninsured motorist
4. medical payments
5. convenience coverage
Personal Auto Policy (PAP) - Correct answer---3rd party coverages (payments to
someone else):
•Part A: Liability Coverage (required by state)
--1st party coverages (payments to you):
•Part B: Medical Payments Coverage
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,•Part C: Uninsured Motorists Coverage
•Part D: Coverage for Damage to Your Auto
--Other provisions:
•Part E: Duties after an Accident or Loss
•Part F: General Provisions
What vehicles are covered? - Correct answer-•Any vehicle shown in the
declarations
•A newly acquired vehicle (notify insurer ASAP, definitely within 14 days)
•A trailer owned by the named insured
•A temporary substitute vehicle, which is a non-owned auto or trailer used
temporarily because of mechanical breakdown, repair, servicing, loss, or
destruction of a covered vehicle
damage coverage - Correct answer-damage to your vehicle
uninsured motorist coverage - Correct answer-3rd party without insurance causes
BI to you or your passengers
medical payments coverage - Correct answer-BI to you or your passengers
Convenience Coverage - Correct answer-towing, rental reimbursement, etc.
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,Part A: Liability Coverage - Correct answer-•Required by state law
•There is a duty to own, maintain and operate your vehicle in a manner that does
not injure others or damage their property.
•If you fail in that duty - even accidentally - you are responsible for injuries /
damages to others.
•Insuring agreement- insurer pays any damages for PI or BD for which any insured
is legally responsible because of an auto accident
Part A: Who is covered? - Correct answer-•The named insured and any resident
family member
•Any person using the named insured's covered auto with permission
•Any person or organization legally responsible for any insured's use of a covered
auto on behalf of that person or organization
oEx: Employer is sued if you get in an accident while on a work trip
oDoes not apply if you're driving a company car
Part A: Relevant Exclusions - Correct answer-•Intentional injury or damage
•Property owned or transported by the insured
•Property rented, used, or in the insured's care
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, •Use as a public or livery conveyance
•Using a vehicle without reasonable belief the person is entitled to do so
•Vehicle with fewer than four wheels
•Vehicle furnished for the named insured's regular use
Part A: Limits - Correct answer-•Split limits: limits for BI per person, BI per
accident, and PD are stated separately (BI pp/BI pa/PD)
•Minimum limits in GA: 25/50/25
o$25,000 BI per person
o$50,000 BI per accident
o$25,000 PD per accident
•Is this enough? If you have insufficient liability limits...
oSeize assets
oGarnish up to 25% of wages
Defense Costs - Correct answer-•Defense costs can be huge. Good thing the
Liability Section covers loss IN ADDITION to the policy limits.
•This means that the costs of defense will not erode the coverage limits available
for payment of claims.
©COPYRIGHT 2025, ALL RIGHTS RESERVED 4
and Answers Graded A+
Auto Insurance - Correct answer--6 or 12 month policy
-premiums usually paid monthly or quarterly
5 general types of auto coverage - Correct answer-1. liability
2. damage
3. uninsured motorist
4. medical payments
5. convenience coverage
Personal Auto Policy (PAP) - Correct answer---3rd party coverages (payments to
someone else):
•Part A: Liability Coverage (required by state)
--1st party coverages (payments to you):
•Part B: Medical Payments Coverage
©COPYRIGHT 2025, ALL RIGHTS RESERVED 1
,•Part C: Uninsured Motorists Coverage
•Part D: Coverage for Damage to Your Auto
--Other provisions:
•Part E: Duties after an Accident or Loss
•Part F: General Provisions
What vehicles are covered? - Correct answer-•Any vehicle shown in the
declarations
•A newly acquired vehicle (notify insurer ASAP, definitely within 14 days)
•A trailer owned by the named insured
•A temporary substitute vehicle, which is a non-owned auto or trailer used
temporarily because of mechanical breakdown, repair, servicing, loss, or
destruction of a covered vehicle
damage coverage - Correct answer-damage to your vehicle
uninsured motorist coverage - Correct answer-3rd party without insurance causes
BI to you or your passengers
medical payments coverage - Correct answer-BI to you or your passengers
Convenience Coverage - Correct answer-towing, rental reimbursement, etc.
©COPYRIGHT 2025, ALL RIGHTS RESERVED 2
,Part A: Liability Coverage - Correct answer-•Required by state law
•There is a duty to own, maintain and operate your vehicle in a manner that does
not injure others or damage their property.
•If you fail in that duty - even accidentally - you are responsible for injuries /
damages to others.
•Insuring agreement- insurer pays any damages for PI or BD for which any insured
is legally responsible because of an auto accident
Part A: Who is covered? - Correct answer-•The named insured and any resident
family member
•Any person using the named insured's covered auto with permission
•Any person or organization legally responsible for any insured's use of a covered
auto on behalf of that person or organization
oEx: Employer is sued if you get in an accident while on a work trip
oDoes not apply if you're driving a company car
Part A: Relevant Exclusions - Correct answer-•Intentional injury or damage
•Property owned or transported by the insured
•Property rented, used, or in the insured's care
©COPYRIGHT 2025, ALL RIGHTS RESERVED 3
, •Use as a public or livery conveyance
•Using a vehicle without reasonable belief the person is entitled to do so
•Vehicle with fewer than four wheels
•Vehicle furnished for the named insured's regular use
Part A: Limits - Correct answer-•Split limits: limits for BI per person, BI per
accident, and PD are stated separately (BI pp/BI pa/PD)
•Minimum limits in GA: 25/50/25
o$25,000 BI per person
o$50,000 BI per accident
o$25,000 PD per accident
•Is this enough? If you have insufficient liability limits...
oSeize assets
oGarnish up to 25% of wages
Defense Costs - Correct answer-•Defense costs can be huge. Good thing the
Liability Section covers loss IN ADDITION to the policy limits.
•This means that the costs of defense will not erode the coverage limits available
for payment of claims.
©COPYRIGHT 2025, ALL RIGHTS RESERVED 4
