Personal Auto PolicyQuestion 4 of 474
Under California Insurance Code §11580.2, how must an insured reject Uninsured Motorist coverage that the insurer is required to offer?
a.Only by completing a state-issued rejection form
b.Orally by phone with a recorded conversation
c.By any clear statement, including silence at renewal
d.In writing, signed by the named insured
Explanation
California Insurance Code §11580.2 requires every personal auto insurer to offer UM coverage at limits equal to the liability limits. The insured may reject UM or select lower limits only by signing a written waiver. Without such a signed writing, UM is in force at the liability limits by operation of law.
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 →
Practice all 474 questions free — no signup required.
Own the complete Personal Lines Insurance Producer guide — PDF + EPUB, $19.99 →
Related questions on this topic
- What are California's compulsory minimum personal auto liability split limits?
- Under the Personal Auto Policy, which Part provides Uninsured and Underinsured Motorist coverage?
- An insured strikes a deer on a rural California highway, damaging the front of the vehicle. Under the Personal Auto Policy, this loss is paid under:
- Under Proposition 103, California personal auto insurers must give greatest weight, in order, to which three primary rating factors?
- Proposition 103 makes California a 'prior approval' state for auto insurance rates. What does this mean?
- California Vehicle Code §16028 requires a driver to do which of the following with proof of financial responsibility?
Last reviewed: · editorial process
PrepPass team · Verified against California Personal Lines Insurance License Exam · How we review