Free Personal Auto Policy Practice Questions
West Virginia Personal Lines exam — 189 practice questions.
Subtopics: Financial responsibility, Minimum auto limits, Uninsured motorist, Certificate of insurance, Liability coverage, Physical damage, Underinsured motorist, Mandatory UM, Comprehensive coverage, Collision deductible, Split limits, Per person limit, Who is insured, Medical payments, Temporary substitute, Racing exclusion, Livery exclusion, Total loss settlement, Minimum liability limits, Minimum limits applied, Continuous security, Dropping coverage, Nonresident vehicles, Methods of security, Proof of insurance, Failure to carry proof, False registration statements, Insurance checks by police, Omnibus clause, Named driver exclusion, Uninsured motorist coverage, UM property damage, Underinsured motorist coverage, Underinsured vehicle defined, Uninsured vehicle defined, Hit-and-run reporting, Hit-and-run notice, Hit-and-run contact, UM arbitration, Who is an insured, UM/UIM offer form, Unreturned offer form, Offer form deadline, Guest passengers, Loaner vehicles, Rental vehicles, Total loss valuation, Auto cancellation reasons, Auto cancellation notice, Nonpayment cancellation, Initial premium not paid, Cancellation for convictions, Loss payee notice, Group transfers, Auto nonrenewal notice, Two-year policies, Nonrenewal notice content, Hearing cost, Reinstatement after nonpayment, Appeal of cancellation, Reinstatement by Commissioner, Assigned risk plan, Auto damage inspection, Repair shops, Estimate costs, Deductible in subrogation, Theft transportation notice, Salvage deductions, Unreasonable travel, Third-party claims, Part A liability, Part B medical payments, Part C UM, Part D collision, Other than collision, Covered persons liability, Newly acquired auto, Supplementary payments, Liability exclusion intentional, Liability exclusion livery, Transportation expenses, Towing and labor, Loss settlement physical damage, Duties after accident, Territory, Covered auto definition, Trailers coverage, Non-owned auto, Rented auto coverage, Glass breakage, Exclusion racing, Exclusion few wheels, Exclusion auto business, Exclusion owned property, Exclusion no reasonable belief, Out of state coverage, Other insurance non-owned, UM dispute resolution, Electronic equipment limit, Appraisal physical damage, No-fault PIP, Right to recover, Collision settlement, Definitions - spouse, Definitions - leased autos, Definitions - family member, Definitions - occupying, Temporary substitute auto, Part A insureds, Part A insuring agreement, Part A exclusions, Ridesharing, Livery exclusion exceptions, Auto business exclusion, Business use exclusion, Reasonable belief exclusion, Vehicle sharing, Fewer than four wheels, Regular use exclusion, Flying vehicles, Split limits calculation, Limit of liability, Other insurance, Medical payments insureds, Medical payments exclusions, Medical payments other insurance, Uninsured motor vehicle, Hit and run, UM exclusions, Collision definition, Non-owned auto deductible, Part D exclusions, Custom equipment, Part D limits, Trailers and campers, Governmental confiscation, Part D valuation, Betterment, Payment of loss, Other sources of recovery, Rental car exclusion, Duties after loss, Cancellation, Nonrenewal, Automatic termination, Policy territory, Limited Mexico coverage, Transfer of interest, Two or more auto policies, Subrogation, Legal action, Residual markets, Medical payments calculation, Part D coverage, Uninsured motorists, Extended non-owned coverage, Miscellaneous type vehicle
Read the Personal Auto Policy study guide
Sample questions & answers
1. West Virginia's motor vehicle financial responsibility law generally requires drivers to:
Prove the ability to pay for damage they cause, usually by carrying liability insurance
Owners of registered vehicles must continuously maintain security, provided by an insurance policy meeting the minimum limits or by qualifying as a self-insurer (W. Va. Code 17D-2A-3).
2. West Virginia's minimum auto liability limits are 25/50/25. The middle number represents:
Total bodily injury for all persons in one accident
Under W. Va. Code 17D-4-2(b), $50,000 is the bodily injury limit for two or more persons in any one accident, subject to $25,000 per person.
3. West Virginia auto policies are generally required to include:
Uninsured motorist coverage, with underinsured coverage offered as an option
W. Va. Code 33-6-31(b) requires uninsured motorist coverage at no less than the minimum limits and requires insurers to offer optional higher UM and underinsured motorist limits.
4. A certificate of insurance that an insurer supplies for a West Virginia vehicle must specify that the vehicle has at least:
The minimum liability coverage required by state law
W. Va. Code 17D-2A-4(a) requires the certificate to specify for each listed vehicle minimum liability coverage not less than the 17D-4-2 requirements; it must be carried in the vehicle as proof of security.
Practice: Personal Auto Policy
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
