1. Exam Prep
  2. West Virginia
  3. Property & Casualty
  4. Automobile Insurance

Free Automobile Insurance Practice Questions

West Virginia Property & Casualty exam — 39 practice questions.

Subtopics: Business auto policy, Covered auto symbols, Hired autos, Non-owned autos, Commercial auto liability, Financial responsibility limits, Uninsured motorist, Physical damage, Garage liability, Motor carrier filing, Trucking exposures, Coverage forms, Property coverages, Liability coverages, HO-4 renters, HO-6 condominium, HO-3 special form, HO-5 comprehensive, HO-8 modified, Coverage F medical payments, Coverage E personal liability, Special limits of liability, Loss of use, Scheduled personal property, Coverage B percentage, Coverage C percentage, Section II exclusions, Section I excluded perils

Sample questions & answers

1. A Business Auto Policy (BAP) is designed to cover:

A business's owned, hired, and non-owned auto exposures

The BAP covers a business's auto liability and physical damage for owned, hired, and non-owned vehicles, depending on the symbols chosen.

2. In a Business Auto Policy, the covered auto symbols are used to:

Identify which categories of autos are covered for each coverage

Covered auto symbols designate which categories of vehicles (owned, hired, non-owned, etc.) are covered under each coverage.

3. Hired auto coverage in a Business Auto Policy applies to vehicles the business:

Leases, rents, hires, or borrows for use in its operations

Hired auto coverage applies to autos the business leases, rents, hires, or borrows, excluding those owned by the business.

4. Non-owned auto coverage protects a business against liability arising from:

Employees using their own vehicles for company business

Non-owned auto coverage responds to liability when employees use their personal vehicles on the business's behalf.

All Property & Casualty topics

Practice: Automobile Insurance

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.