1
GUAM STATE LAWS EXAM WITH CORRECT QUESTIONS AND
ANSWERS AND MOST APPROVED /VERIFIED 100% YEAR
2025/2026
In order for electronic entertainment devices to be covered for physical damage under an
automobile insurance policy, which of the following must be true? - answers-The device must be
permanently installed in the dash or console opening intended for that device.
Following a vehicle accident, if a claimant or their attorney requests the dollar amount of liability
coverage under an insured's personal auto policy, the insurer must disclose the limits within: -
answers-30 days.
After having his auto registration suspended for 60 days for not maintaining auto insurance, the
owner of the vehicle is required to file a certificate of insurance with the state to prove financial
responsibility. What is the maximum amount that the insurer can charge for making this filing on the
owner's behalf? - answers-The insurer cannot charge for making a filing.
An automobile policy has limits of 25/50/20. What does the number "25" represent? - answers-The
maximum limit for bodily injury claims that can be paid for one person.
What is the penalty for knowingly providing a fraudulent address on an application for an
automobile policy? - answers-Not less than $1,001 and not more than $1,200.
If it is determined that an owner has registered a motor vehicle without having a liability insurance
policy, the SOS must notify the owner that the vehicle registration will be suspended how many days
after the date of the mailing of the notice? - answers-45 days.
When will a Plan Administrator bind coverage for Assigned Risk Insurance? - answers-The first day
following the date postmarked on the premium payment.
Which of the following statements is true concerning Uninsured Motorist Property Damage
Coverage written in IL? - answers-It must be offered on all policies insuring private passenger and
recreational vehicles which are not covered for collision damage under the policy.
,2
If a person with a physical handicap is able to obtain a valid driver's license in this state and have the
vehicle modified to compensate for that handicap, what is the maximum surcharge, if any, that the
insurer may apply to the automobile insurance premium? - answers-No surcharge.
Insureds with approved anti-theft devices installed on the insured vehicle qualify for a premium
discount on: - answers-Other than collision - comprehensive - coverage.
What is the minimum coverage discount available for having or installing an anti-theft device on an
insured vehicle? - answers-5%.
A potential applicant for a personal auto policy must be given a nonbinding oral estimate of
premium charges based on information provided to a producer who maintains an office within any
municipality with: - answers-500,000 or more inhabitants.
Individuals with a valid driver's license who are unable to purchase auto insurance in the normal
market may apply for coverage through the IL Automobile Insurance Plan (AIP). To qualify, the
individual must be rejected by ___ insurers in the standard market. - answers-3.
Under what circumstance must an automobile insurance policy include underinsured motorist
coverage? - answers-When the insured purchases more than the minimum required limit of
uninsured motorist coverage.
Premiums on auto insurance must include an appropriate reduction for insured autos that are
equipped with anti-theft mechanisms approved by: - answers-The Director.
A vehicle owner submitted false proof of insurance for his car, which resulted in suspension of his
vehicle registration. What must the owner do to remove the suspension? - answers-Pay a
reinstatement fee and submit proof of insurance.
All of the following are correct concerning the Workers Compensation Assigned Risk Pool EXCEPT: -
answers-Participation in the Assigned Risk Pool is optional.
All of the following are correct concerning the defensive driving discount EXCEPT: - answers-The
discount must be applicable for the following 5 years.
, 3
Which of the following would be grounds for an insurer to surcharge or refuse to issue an
automobile insurance policy? - answers-The applicant fails to provide the insurer with their loss
experience with the prior carrier within 21 days after the application is filed.
Insureds over age 55 may qualify for reduced liability rates and premium charges upon successful
completion of the National Safety Council's Defensive Driving Course of at least: - answers-8 hours.
A state or local government unit or official acting in the course of official duties regarding motor
vehicle insurance will not be liable for third party injuries or damage UNLESS they result from: -
answers-Willful misconduct or negligence on the part of that unit or official.
Which insurance companies must participate in the IL Automobile Insurance Plan? - answers-All
admitted insurers that write auto insurance in the state.
An automobile liability insurance policy used to provide proof of financial responsibility must contain
which of the following limits of coverage? - answers-$25,000 for bodily injury or death to any one
person in any one accident; $50,000 for bodily injury or death to two or more persons in any one
accident; $20,000 for damage to property of others arising out of any one accident.
Which of the following is correct regarding a child restraint system in auto vehicles? - answers-Auto
policies must include coverage for replacement of a child restraint system that was in use by a child
during an accident to which coverage is applicable.
If an insured purchases more than the minimum amount of uninsured motorist coverage (UM), the
policy must include: - answers-Underinsured motorist coverage (UIM).
The Auto Insurance Plan policy must cover all of the following EXCEPT: - answers-Personal injury
liability.
Alan has a Personal Auto Policy with Part C limits of $100/$300 Uninsured/Underinsured Motorist.
Alan is injured by Ben who has Part A limits of $50/$100. The police determine that Ben is at fault for
the accident and Alan's $125,000 of medical expense. How much will Alan's Part C pay? - answers-
$50,000.
All of the following coverages are mandatory in an automobile insurance policy issued to a resident
of IL EXCEPT: - answers-Physical damage coverage.
GUAM STATE LAWS EXAM WITH CORRECT QUESTIONS AND
ANSWERS AND MOST APPROVED /VERIFIED 100% YEAR
2025/2026
In order for electronic entertainment devices to be covered for physical damage under an
automobile insurance policy, which of the following must be true? - answers-The device must be
permanently installed in the dash or console opening intended for that device.
Following a vehicle accident, if a claimant or their attorney requests the dollar amount of liability
coverage under an insured's personal auto policy, the insurer must disclose the limits within: -
answers-30 days.
After having his auto registration suspended for 60 days for not maintaining auto insurance, the
owner of the vehicle is required to file a certificate of insurance with the state to prove financial
responsibility. What is the maximum amount that the insurer can charge for making this filing on the
owner's behalf? - answers-The insurer cannot charge for making a filing.
An automobile policy has limits of 25/50/20. What does the number "25" represent? - answers-The
maximum limit for bodily injury claims that can be paid for one person.
What is the penalty for knowingly providing a fraudulent address on an application for an
automobile policy? - answers-Not less than $1,001 and not more than $1,200.
If it is determined that an owner has registered a motor vehicle without having a liability insurance
policy, the SOS must notify the owner that the vehicle registration will be suspended how many days
after the date of the mailing of the notice? - answers-45 days.
When will a Plan Administrator bind coverage for Assigned Risk Insurance? - answers-The first day
following the date postmarked on the premium payment.
Which of the following statements is true concerning Uninsured Motorist Property Damage
Coverage written in IL? - answers-It must be offered on all policies insuring private passenger and
recreational vehicles which are not covered for collision damage under the policy.
,2
If a person with a physical handicap is able to obtain a valid driver's license in this state and have the
vehicle modified to compensate for that handicap, what is the maximum surcharge, if any, that the
insurer may apply to the automobile insurance premium? - answers-No surcharge.
Insureds with approved anti-theft devices installed on the insured vehicle qualify for a premium
discount on: - answers-Other than collision - comprehensive - coverage.
What is the minimum coverage discount available for having or installing an anti-theft device on an
insured vehicle? - answers-5%.
A potential applicant for a personal auto policy must be given a nonbinding oral estimate of
premium charges based on information provided to a producer who maintains an office within any
municipality with: - answers-500,000 or more inhabitants.
Individuals with a valid driver's license who are unable to purchase auto insurance in the normal
market may apply for coverage through the IL Automobile Insurance Plan (AIP). To qualify, the
individual must be rejected by ___ insurers in the standard market. - answers-3.
Under what circumstance must an automobile insurance policy include underinsured motorist
coverage? - answers-When the insured purchases more than the minimum required limit of
uninsured motorist coverage.
Premiums on auto insurance must include an appropriate reduction for insured autos that are
equipped with anti-theft mechanisms approved by: - answers-The Director.
A vehicle owner submitted false proof of insurance for his car, which resulted in suspension of his
vehicle registration. What must the owner do to remove the suspension? - answers-Pay a
reinstatement fee and submit proof of insurance.
All of the following are correct concerning the Workers Compensation Assigned Risk Pool EXCEPT: -
answers-Participation in the Assigned Risk Pool is optional.
All of the following are correct concerning the defensive driving discount EXCEPT: - answers-The
discount must be applicable for the following 5 years.
, 3
Which of the following would be grounds for an insurer to surcharge or refuse to issue an
automobile insurance policy? - answers-The applicant fails to provide the insurer with their loss
experience with the prior carrier within 21 days after the application is filed.
Insureds over age 55 may qualify for reduced liability rates and premium charges upon successful
completion of the National Safety Council's Defensive Driving Course of at least: - answers-8 hours.
A state or local government unit or official acting in the course of official duties regarding motor
vehicle insurance will not be liable for third party injuries or damage UNLESS they result from: -
answers-Willful misconduct or negligence on the part of that unit or official.
Which insurance companies must participate in the IL Automobile Insurance Plan? - answers-All
admitted insurers that write auto insurance in the state.
An automobile liability insurance policy used to provide proof of financial responsibility must contain
which of the following limits of coverage? - answers-$25,000 for bodily injury or death to any one
person in any one accident; $50,000 for bodily injury or death to two or more persons in any one
accident; $20,000 for damage to property of others arising out of any one accident.
Which of the following is correct regarding a child restraint system in auto vehicles? - answers-Auto
policies must include coverage for replacement of a child restraint system that was in use by a child
during an accident to which coverage is applicable.
If an insured purchases more than the minimum amount of uninsured motorist coverage (UM), the
policy must include: - answers-Underinsured motorist coverage (UIM).
The Auto Insurance Plan policy must cover all of the following EXCEPT: - answers-Personal injury
liability.
Alan has a Personal Auto Policy with Part C limits of $100/$300 Uninsured/Underinsured Motorist.
Alan is injured by Ben who has Part A limits of $50/$100. The police determine that Ben is at fault for
the accident and Alan's $125,000 of medical expense. How much will Alan's Part C pay? - answers-
$50,000.
All of the following coverages are mandatory in an automobile insurance policy issued to a resident
of IL EXCEPT: - answers-Physical damage coverage.
