Personal Auto PolicyQuestion 21 of 474
An insured chooses California's minimum liability limits of 30/60/15 and does not sign a written waiver of Uninsured Motorist coverage. At what UM limits does the policy take effect by operation of law?
a.$30,000 / $60,000 because UM defaults to the chosen liability limits
b.$5,000 / $10,000 because UM defaults to the lowest amount available
c.$100,000 / $300,000 because UM defaults to the statutory maximum
d.$60,000 / $120,000 because UM doubles the BI limits
Explanation
Insurance Code §11580.2 requires UM coverage to be offered at limits equal to the liability limits. The insured may select lower UM limits or reject UM entirely, but only by signing a written waiver. With no waiver in the file, UM defaults to the same limits as the liability coverage — here, the chosen $30,000/$60,000.
Law Reference: Cal. Ins. Code §11580.2This topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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Related questions on this topic
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- Which of the following is a duty owed by the insured to the insurer AFTER an accident or loss, as required by Part E of the Personal Auto Policy?
- Which of the following losses would be EXCLUDED under the Personal Auto Policy Part A (Liability)?
- A friend borrows the named insured's covered auto with permission and causes an at-fault accident, injuring a third party. Under the Personal Auto Policy:
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