An Alaska owner's motor vehicle liability policy carries exactly the minimum bodily injury limits that Alaska requires. The insured causes an accident that injures three people. Which limits apply to this accident?

$50,000 for any one injured person, and $100,000 for all three together

An insured accepts the uninsured and underinsured motorists bodily injury coverage that an Alaska automobile insurer must offer, and asks for the lowest limit the law allows. Under Alaska law, the limit the insurer writes for this coverage may not be less than:

the minimum liability limits set by AS 28.20.440 or AS 28.22.101

As Alaska's financial responsibility chapter defines the term, which of the following can be a "motor vehicle liability policy"?

An owner's or operator's policy, generally issued by a carrier authorized to do business in Alaska.

When an Alaska motor vehicle liability policy was first issued, the insured signed a written rejection of uninsured and underinsured motorists coverage. The policy is now up for renewal, and the insured has made no request about that coverage. How does Alaska law treat the renewal policy?

It may not include the coverage unless the insured later asks for it in writing

A driver insured under a policy certified in Alaska as a motor vehicle liability policy causes a covered collision that injures a pedestrian. The insurer later learns the insured had breached a policy condition before the crash. What effect does the breach have on the insurer's liability to the injured pedestrian?

Its liability became absolute when the injury occurred, and the breach does not void the policy.

An Alaska motorist buys an automobile liability policy simply because the motorist wants coverage. The motorist has never been required to file proof of financial responsibility under AS 28.20. Does Alaska's rule that an automobile liability policy sold in the state carry at least the statutory minimum limits apply to this policy?

Yes, because the rule is not limited to policies bought to satisfy AS 28.20

An Alaska insured is hurt by an uninsured driver and collects benefits under the medical payments coverage of the insured's own auto policy. The insured then claims under the uninsured motorists coverage. How does Alaska law treat the uninsured motorists payment in relation to the medical payments benefits?

It is excess over the medical payments benefits and may not duplicate amounts already paid.

A driver uses a road in an Alaska community that is not connected by land highway or vehicular way to the state highway system or to any road averaging more than 499 vehicles a day. Which driving record would let this driver lawfully drive there without a motor vehicle liability policy?

A single four-point violation, cited three years ago.

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1.An Alaska owner's motor vehicle liability policy carries exactly the minimum bodily injury limits that Alaska requires. The insured causes an accident that injures three people. Which limits apply to this accident?
Answer: A. $50,000 for any one injured person, and $100,000 for all three together
Alaska's general coverage requirements set the minimum bodily injury limits, for each vehicle, at $50,000 for injury to or death of one person in one accident and, subject to that same per-person limit, $100,000 for two or more persons in one accident. So the policy's limit for any one injured person is $50,000, and the three people together share $100,000. The 25,000 and 50,000 pairing is below the Alaska minimum. Multiplying the per-person limit by three to reach $150,000 misreads the structure, because the two-or-more-persons figure is a single cap for the accident. The 100,000 and 300,000 pairing is higher than the minimum.
Source
Alaska Stat. Sec. 28.22.101(d)(1)
Choose an answer to see the explanation.
2.An insured accepts the uninsured and underinsured motorists bodily injury coverage that an Alaska automobile insurer must offer, and asks for the lowest limit the law allows. Under Alaska law, the limit the insurer writes for this coverage may not be less than:
Answer: B. the minimum liability limits set by AS 28.20.440 or AS 28.22.101
An Alaska insurer offering automobile bodily injury liability insurance must offer uninsured and underinsured motorists coverage at the initial sale and at each renewal, and the limit written for it may not fall below the limit in AS 28.20.440 or AS 28.22.101. One half of those limits is below that floor. Limits equal to the insured's voluntarily purchased liability limits, and higher limits such as $100,000 per person and $300,000 for two or more persons, are among the options the statute requires the insurer to offer, not the lowest limit it may write.
Source
Alaska Stat. Sec. 21.96.020(c)
Choose an answer to see the explanation.
3.As Alaska's financial responsibility chapter defines the term, which of the following can be a "motor vehicle liability policy"?
Answer: C. An owner's or operator's policy, generally issued by a carrier authorized to do business in Alaska.
Alaska Stat. Sec. 28.20.440(a) defines a motor vehicle liability policy as either an owner policy or an operator's policy that contains the agreement or endorsement the section provides for, or that is certified as proof of financial responsibility for the future. It must be issued by an insurance carrier authorized to transact business in Alaska, except as AS 28.20.420 otherwise provides. Both kinds of policy qualify, so a choice limited to only one of them is wrong. A policy that is neither certified nor carries the required agreement or endorsement falls outside the definition.
Source
Alaska Stat. Sec. 28.20.440(a)
Choose an answer to see the explanation.
4.In a single accident, an Alaska driver insured at the state's minimum limits damages two parked cars belonging to different neighbors and a fence belonging to a third neighbor. What minimum property damage limit must the driver's motor vehicle liability policy provide?
Answer: B. $25,000 for the accident
Alaska requires a motor vehicle liability policy to carry at least $25,000 for injury to or destruction of property of others in one accident. The figure is measured per accident, so the two cars and the fence share that $25,000 minimum. Treating $25,000 as available to each property owner misreads it as a per-owner limit. $10,000 is below the Alaska minimum, and $50,000 is the per-person bodily injury minimum in the same subsection, not the property damage minimum.
Source
Alaska Stat. Sec. 28.22.101(d)(2)
Choose an answer to see the explanation.
5.When an Alaska motor vehicle liability policy was first issued, the insured signed a written rejection of uninsured and underinsured motorists coverage. The policy is now up for renewal, and the insured has made no request about that coverage. How does Alaska law treat the renewal policy?
Answer: D. It may not include the coverage unless the insured later asks for it in writing
Under Alaska law, uninsured and underinsured motorists coverage may be rejected by the insured in writing, and once rejected it may not be added to a supplemental, renewal, or replacement policy unless the insured afterward requests it in writing. The rejection therefore carries forward to this renewal without any new action by the insured. The statute does not limit a rejection to one policy term or call for a new rejection at each renewal, and a telephone request does not meet the requirement that the later request be in writing.
Source
Alaska Stat. Sec. 28.22.201(a)(3)
Choose an answer to see the explanation.
6.A driver insured under a policy certified in Alaska as a motor vehicle liability policy causes a covered collision that injures a pedestrian. The insurer later learns the insured had breached a policy condition before the crash. What effect does the breach have on the insurer's liability to the injured pedestrian?
Answer: A. Its liability became absolute when the injury occurred, and the breach does not void the policy.
Alaska Stat. Sec. 28.20.440(f)(1), which applies to every motor vehicle liability policy whether or not the policy repeats it, makes the carrier's liability absolute as soon as covered injury or damage occurs. It also provides that no statement by or for the insured and no violation of the policy defeats or voids it. So neither the earlier breach nor a later false statement lets the insurer escape payment to the injured pedestrian. The provision contains no reduction of the limits when a breach is shown.
Source
Alaska Stat. Sec. 28.20.440(f)(1)
Choose an answer to see the explanation.
7.An Alaska motorist buys an automobile liability policy simply because the motorist wants coverage. The motorist has never been required to file proof of financial responsibility under AS 28.20. Does Alaska's rule that an automobile liability policy sold in the state carry at least the statutory minimum limits apply to this policy?
Answer: C. Yes, because the rule is not limited to policies bought to satisfy AS 28.20
Alaska requires an automobile liability policy sold in the state to carry limits at least equal to those prescribed in AS 28.20.440 or AS 28.22.101, and the statute expressly says it is not to be read as applying only to policies obtained to satisfy a requirement of AS 28.20. A voluntarily purchased policy is therefore held to the same minimum limits, so the motorist cannot buy lower limits because no filing was required. The minimum-limits rule is not tied to rental vehicles; rental coverage is a separate requirement of the same section.
Source
Alaska Stat. Sec. 21.96.020(b)
Choose an answer to see the explanation.
8.An Alaska insured's car is struck by another vehicle, and that vehicle and its driver leave the scene before anyone identifies them. For the fleeing vehicle and driver to be presumed uninsured for purposes of uninsured and underinsured motorists coverage, the insured must report the accident to the appropriate authorities within what period?
Answer: A. 24 hours
Alaska presumes that a vehicle and operator who leave the scene of an accident with another vehicle are uninsured if the insured reports the accident to the appropriate authorities within 24 hours. The same subsection allows payment where both owner and operator are unknown only if the vehicles made direct contact, which the collision here supplies. Neither 48 hours, 72 hours nor 15 days is the reporting window this presumption uses.
Source
Alaska Stat. Sec. 28.22.201(b)
Choose an answer to see the explanation.
9.An Alaska insured is hurt by an uninsured driver and collects benefits under the medical payments coverage of the insured's own auto policy. The insured then claims under the uninsured motorists coverage. How does Alaska law treat the uninsured motorists payment in relation to the medical payments benefits?
Answer: B. It is excess over the medical payments benefits and may not duplicate amounts already paid.
Under Alaska Stat. Sec. 28.20.445(b), what uninsured and underinsured motorist coverage pays is excess over what is payable under auto bodily injury, death or medical payments coverage and over workers' compensation benefits, and it may not duplicate those amounts. So the uninsured motorists payment sits above the medical payments benefits without paying the same expenses twice. It does not pay first, it does not add a full second recovery for the same loss, and the provision does not bar it because medical payments were received.
Source
Alaska Stat. Sec. 28.20.445(b)
Choose an answer to see the explanation.
10.A driver uses a road in an Alaska community that is not connected by land highway or vehicular way to the state highway system or to any road averaging more than 499 vehicles a day. Which driving record would let this driver lawfully drive there without a motor vehicle liability policy?
Answer: A. A single four-point violation, cited three years ago.
Alaska Stat. Sec. 28.22.011(a) excuses the insurance requirement on roads not connected to the land-connected state highway system or to a road averaging more than 499 vehicles a day, but under (a)(2) only if the operator has not been cited within the preceding five years for a traffic violation carrying six or more demerit points. A four-point citation is below that level, so it does not defeat the exemption. The six-point, eight-point and ten-point citations were each issued within the five-year window at six points or more, so each of those drivers must be insured.
Source
Alaska Stat. Sec. 28.22.011(a)(2)
Choose an answer to see the explanation.

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The scored exam is free, 20 questions in 30 minutes, and needs an account. These 10 do not.

1.An Alaska owner's motor vehicle liability policy carries exactly the minimum bodily injury limits that Alaska requires. The insured causes an accident that injures three people. Which limits apply to this accident?

2.An insured accepts the uninsured and underinsured motorists bodily injury coverage that an Alaska automobile insurer must offer, and asks for the lowest limit the law allows. Under Alaska law, the limit the insurer writes for this coverage may not be less than:

3.As Alaska's financial responsibility chapter defines the term, which of the following can be a "motor vehicle liability policy"?

4.In a single accident, an Alaska driver insured at the state's minimum limits damages two parked cars belonging to different neighbors and a fence belonging to a third neighbor. What minimum property damage limit must the driver's motor vehicle liability policy provide?

5.When an Alaska motor vehicle liability policy was first issued, the insured signed a written rejection of uninsured and underinsured motorists coverage. The policy is now up for renewal, and the insured has made no request about that coverage. How does Alaska law treat the renewal policy?

10.A driver uses a road in an Alaska community that is not connected by land highway or vehicular way to the state highway system or to any road averaging more than 499 vehicles a day. Which driving record would let this driver lawfully drive there without a motor vehicle liability policy?

The other 295 questions are $29.