Free Personal Automobile Policy Practice Questions
West Virginia Property & Casualty exam — 104 practice questions.
Subtopics: Financial responsibility limits, Minimum liability limits, Minimum limits applied, Minimum limits history, Continuous security, Dropping coverage, Nonresident vehicles, Methods of security, Proof of insurance, Failure to carry proof, Certificates of insurance, False registration statements, Insurance checks by police, Omnibus clause, Named driver exclusion, Uninsured motorist coverage, Optional UM limits, UM property damage, Underinsured motorist coverage, Underinsured vehicle defined, No setoff for UIM, 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, Moving violations, Underage alcohol suspension, Loss payee notice, Reasons on request, Group transfers, Auto nonrenewal notice, Two-year policies, Nonrenewal notice content, Hearing cost, Reinstatement after nonpayment, Excluding a driver to avoid nonrenewal, Alternative auto nonrenewal, Appeal of cancellation, Reinstatement by Commissioner, Assigned risk plan, Auto damage inspection, Repair shops, Estimate costs, Deductible in subrogation, Theft transportation notice, Salvage deductions, Physical damage delays, Unreasonable travel, Third-party claims, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, Medical payments, Uninsured motorist, Collision coverage, Other than collision, Transportation expenses, Underinsured motorist, Towing and labor, Newly acquired autos, Definitions, Supplementary payments, Liability exclusions, Uninsured motorists, Physical damage exclusions, Duties after loss, Policy territory, Termination, Residual market
Read the Personal Automobile Policy study guide
Sample questions & answers
1. West Virginia's minimum auto liability requirement of 25/50/25 sets the minimum amounts for:
Bodily injury per person, bodily injury per accident, and property damage
Since January 1, 2016, W. Va. Code 17D-4-2(b) requires $25,000 for injury to one person, $50,000 for injury to two or more persons in one accident, and $25,000 for property damage.
2. West Virginia's minimum required auto liability limits for accidents on or after January 1, 2016 are:
$25,000 / $50,000 / $25,000
W. Va. Code 17D-4-2(b) sets proof of financial responsibility at $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage beginning January 1, 2016.
3. A West Virginia driver with minimum liability limits causes an accident injuring three people with $20,000 of damages each. The most the policy pays for all bodily injury is:
$50,000
Under 17D-4-2(b) the per-accident bodily injury minimum is $50,000, subject to $25,000 per person, so three $20,000 claims are capped at $50,000 total.
4. Before January 1, 2016, West Virginia's minimum auto liability limits were:
$20,000 / $40,000 / $10,000
W. Va. Code 17D-4-2(a) stated the former $20,000/$40,000/$10,000 requirement; subsection (b) raised it to 25/50/25 from January 1, 2016.
All Property & Casualty topics
Practice: Personal Automobile 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.
