CALA Study Guide 2026
Everything you need to pass the CALA exam in one place: the exam format, every topic to study, real practice questions with explanations, flashcards, and full-length practice tests. Free, no sign-up needed.
📋 CALA Exam Format at a Glance
📚 CALA Topics to Study (69)
✍️ Sample CALA Questions & Answers
1. Under a personal auto policy, Medical Payments coverage (MedPay) pays for reasonable medical expenses regardless of:
MedPay is a first-party, no-fault coverage that pays medical expenses for the insured and passengers without regard to fault.
2. In a total loss vehicle claim, which document establishes the insurer's right to take ownership of the salvage vehicle?
After paying a total loss, the insurer receives the vehicle title or salvage certificate, documenting the transfer of ownership needed to legally dispose of the salvage.
3. Which of the following best describes the 'insuring agreement' section of an insurance policy?
The insuring agreement is the core promise of the policy where the insurer agrees to pay for covered losses, subject to the policy's terms, conditions, and exclusions.
4. A claimant refuses all offers and demands a jury trial. Which negotiation tool can still be used before trial?
Mediation and arbitration are alternative dispute resolution tools available before or during trial to resolve claims without a verdict.
5. A claimant was injured in a state different from where the policy was issued. Which state's law governs the liability claim?
The lex loci delicti (law of the place of the wrong) doctrine traditionally applies the law of the state where the accident occurred to determine liability.
6. A claimant receiving temporary total disability benefits begins receiving Social Security Disability Insurance (SSDI). What typically occurs?
Most states allow an offset so that combined workers compensation and SSDI benefits do not exceed a set percentage (commonly 80%) of the worker's pre-injury average weekly wage.