South Dakota Property and Casualty Practice Exam 2026 - Free Property and Casualty Insurance Practice Questions and Study Guide

Supplemental automobile insurance coverages generally include various types of protection to enhance the baseline coverage provided by standard auto insurance policies. Long-term care benefits typically pertain to healthcare services and personal care assistance that may be needed as a result of chronic illness or disability, rather than being linked directly to automobile coverage.

On the other hand, property damage liability, personal injury protection, and uninsured motorist coverage are indeed integral components of supplemental automobile insurance. Property damage liability covers damages to other people's property in the event of an accident. Personal injury protection provides medical expenses and other related costs for the insured and passengers regardless of who is at fault, and uninsured motorist coverage protects against accidents involving drivers who do not carry adequate insurance. Thus, long-term care benefits stand apart from these automotive-related coverages, making it the correct choice as the component not included in supplemental automobile insurance coverages.