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AINS 102 TEST| COMPREHENSIVE
Q&A FOR CERTIFICATION SUCCESS
2026
The medical payments coverage in the Personal Auto Policy (PAP) applies to
Select one:
A. Anyone occupying a car not owned by any insured but driven by an insured.
B. Any insured who is also covered by workers compensation for the same
accident.
C. Anyone injured in an accident involving an insured.
D. Any person occupying a covered auto. - correct-answer -D. Any person
occupying a covered auto.
The Part B—Medical Payments Coverage of the Personal Auto Policy (PAP)
contains an Other Insurance provision. If two automobile policies from different
insurers cover the same owned vehicle,
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Select one:
A. The first insurer to receive notice of the claim becomes primarily liable.
B. The Other Insurance provision will address how to address the particular
situation.
C. The courts will decide how to assess the payment amounts.
D. The insurer issuing the policy with the higher limits of liability will make the
determination. - correct-answer -B. The Other Insurance provision will address
how to address the particular situation.
Jill is insured by a Personal Auto Policy (PAP). Several witnesses saw her run a red
light and collide with a car that clearly had the right of way. Jill was at fault for the
accident. Although the other car sustained damage, its driver drove off and
neither the car nor the driver was ever identified. Jill sustained injuries in the
accident and made an uninsured motorists (UM) coverage claim under her PAP.
Jill will
Select one:
A. Not be able to recover under her UM coverage because the driver of the other
car was not at fault for the accident.
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B. Be able to recover under her UM coverage because the other car was a hit-and-
run vehicle.
C. Not be able to recover under her UM coverage because the other car was a hit-
and-run vehicle.
D. Not be able to provide the other driver with UM coverage under her PAP
because he or she has never been identified. - correct-answer -A. Not be able to
recover under her UM coverage because the driver of the other car was not at
fault for the accident.
Li has a Personal Auto Policy (PAP) for his car with a $100,000 limit for uninsured
motorists (UM) coverage. He was injured in an accident with a legally intoxicated
uninsured motorist. Li submitted a UM claim to his insurer. The case went to trial
and Li was awarded $50,000 for medical bills, $10,000 for rehabilitation expenses,
$5,000 for lost wages, and $10,000 for punitive damages. How much can Li collect
under the UM coverage of his PAP?
Select one:
A. $50,000
B. $55,000
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C. $65,000
D. $75,000 - correct-answer -C. $65,000
John is a recent homeowner and is considering the insurance coverages he needs
for his home and contents. If damaged by a peril covered by a homeowners
policy, which one of the following would be considered part of John's real
property?
Select one:
A. The boat in the driveway
B. The detached garage
C. The desk top computer
D. The hockey net and equipment - correct-answer -B. The detached garage
Which one of the following is considered real property?
Select one:
A. An automobile
AINS 102 TEST| COMPREHENSIVE
Q&A FOR CERTIFICATION SUCCESS
2026
The medical payments coverage in the Personal Auto Policy (PAP) applies to
Select one:
A. Anyone occupying a car not owned by any insured but driven by an insured.
B. Any insured who is also covered by workers compensation for the same
accident.
C. Anyone injured in an accident involving an insured.
D. Any person occupying a covered auto. - correct-answer -D. Any person
occupying a covered auto.
The Part B—Medical Payments Coverage of the Personal Auto Policy (PAP)
contains an Other Insurance provision. If two automobile policies from different
insurers cover the same owned vehicle,
,2|Page
Select one:
A. The first insurer to receive notice of the claim becomes primarily liable.
B. The Other Insurance provision will address how to address the particular
situation.
C. The courts will decide how to assess the payment amounts.
D. The insurer issuing the policy with the higher limits of liability will make the
determination. - correct-answer -B. The Other Insurance provision will address
how to address the particular situation.
Jill is insured by a Personal Auto Policy (PAP). Several witnesses saw her run a red
light and collide with a car that clearly had the right of way. Jill was at fault for the
accident. Although the other car sustained damage, its driver drove off and
neither the car nor the driver was ever identified. Jill sustained injuries in the
accident and made an uninsured motorists (UM) coverage claim under her PAP.
Jill will
Select one:
A. Not be able to recover under her UM coverage because the driver of the other
car was not at fault for the accident.
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B. Be able to recover under her UM coverage because the other car was a hit-and-
run vehicle.
C. Not be able to recover under her UM coverage because the other car was a hit-
and-run vehicle.
D. Not be able to provide the other driver with UM coverage under her PAP
because he or she has never been identified. - correct-answer -A. Not be able to
recover under her UM coverage because the driver of the other car was not at
fault for the accident.
Li has a Personal Auto Policy (PAP) for his car with a $100,000 limit for uninsured
motorists (UM) coverage. He was injured in an accident with a legally intoxicated
uninsured motorist. Li submitted a UM claim to his insurer. The case went to trial
and Li was awarded $50,000 for medical bills, $10,000 for rehabilitation expenses,
$5,000 for lost wages, and $10,000 for punitive damages. How much can Li collect
under the UM coverage of his PAP?
Select one:
A. $50,000
B. $55,000
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C. $65,000
D. $75,000 - correct-answer -C. $65,000
John is a recent homeowner and is considering the insurance coverages he needs
for his home and contents. If damaged by a peril covered by a homeowners
policy, which one of the following would be considered part of John's real
property?
Select one:
A. The boat in the driveway
B. The detached garage
C. The desk top computer
D. The hockey net and equipment - correct-answer -B. The detached garage
Which one of the following is considered real property?
Select one:
A. An automobile
