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  4. General Insurance Concepts

Free General Insurance Concepts Practice Questions

Washington Property & Casualty exam — 39 practice questions.

Subtopics: Subrogation, Negligence, Proximate cause, Declarations page, Endorsement, Liability vs property, Handling risk, Insurer classifications, Adverse selection, Elements of a contract, Insurable risk, Hazards, Definitions, Authority of producers, Legal interpretations, Law of large numbers, Principle of indemnity, Utmost good faith, Concealment, Warranty, Waiver and estoppel, Reinsurance, Admitted vs nonadmitted, Domestic foreign alien, Aleatory contract, Contract of adhesion, Unilateral contract, Apparent authority, Rebating, Risk pooling, Pro-rata cancellation

Read the General Insurance Concepts study guide

Sample questions & answers

1. After paying a covered claim, an insurer's right to recover from the responsible third party is:

Subrogation

Subrogation lets the insurer pursue recovery from the at-fault party after paying the insured's claim.

2. To establish negligence, an injured party generally must show duty, breach, causation, and:

A premium

Negligence requires a legal duty, a breach, proximate causation, and resulting damages.

3. Proximate cause refers to:

The unbroken cause that sets the loss in motion

Proximate cause is the primary cause that, in a natural and continuous sequence, produces the loss.

4. The declarations page of a property policy generally shows:

The named insured, limits, and premium

The declarations page identifies the insured, covered property or risk, limits, deductibles, and premium.

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Practice: General Insurance Concepts

Take a randomized, timed-style practice test. Answer choices are shuffled and your results are scored instantly with an explanation for every question.

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.