1. Exam Prep
  2. West Virginia
  3. Personal Lines
  4. Personal Auto

Free Personal Auto Practice Questions

West Virginia Personal Lines exam — 53 practice questions.

Subtopics: Liability coverage, Physical damage, Uninsured motorist, Underinsured motorist, Mandatory UM, Comprehensive coverage, Collision deductible, Split limits, Per person limit, Comparative negligence, Comparative negligence bar, Who is insured, Medical payments, Temporary substitute, Racing exclusion, Livery exclusion, Total loss settlement, Purpose, No liability, DP-1 basic form, DP-3 special form, Coverage A, Coverage B, Coverage C, Coverage D, Coverage E, Eligible dwellings, Loss settlement, Extended coverage perils, Vandalism endorsement, Other coverages debris removal, Improvements by tenant, Personal liability supplement, Excluded perils, DP-2 broad form, Coverage C optional, Automatic increase, Theft endorsement, Reasonable repairs, Trees shrubs and plants, Fire department service charge, Property removed, Worldwide personal property, Definition of insured, Coinsurance clause, DP-3 loss settlement, Collapse coverage, Seasonal dwelling, Other structures rented, Lightning peril, Glass coverage, Fair rental value vs ALE, Ordinance or law

Sample questions & answers

1. Part A of the Personal Auto Policy provides:

Liability coverage for bodily injury and property damage the insured causes to others

Part A is liability coverage, paying for bodily injury and property damage the insured becomes legally responsible for.

2. Coverage for damage to the insured's own auto from a collision is found in:

Part D, coverage for damage to your auto

Part D (coverage for damage to your auto) includes collision and other-than-collision coverage for the insured's vehicle.

3. Uninsured motorist (UM) coverage generally pays when the insured is injured by:

An at-fault driver who has no liability insurance

UM coverage pays for the insured's injuries caused by an at-fault driver who has no liability insurance.

4. Underinsured motorist (UIM) coverage applies when the at-fault driver:

Has liability limits too low to fully cover the insured's injuries

UIM coverage responds when the at-fault driver has some liability insurance but not enough to cover the insured's injuries.

All Personal Lines topics

Practice: Personal Auto

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.