Washington Property & Casualty Insurance License Exam — All Questions

What are Washington's minimum auto liability limits for a private passenger vehicle?

• a.$20,000 / $40,000 / $10,000
• b.$25,000 / $50,000 / $10,000✓
• c.$30,000 / $60,000 / $25,000
• d.$15,000 / $30,000 / $5,000

Washington's minimum liability limits are 25/50/10: $25,000 bodily injury per person, $50,000 per accident, and $10,000 property damage, verified this session via a state auto-insurance requirements source. These are minimums that can change by law, so confirm current figures with the Office of the Insurance Commissioner.

How are uninsured/underinsured motorist (UM/UIM) coverage and PIP treated on a Washington personal auto policy?

• a.Both are compulsory and cannot be waived
• b.Both are prohibited in Washington
• c.Neither is compulsory, but the insurer must offer them and the applicant may reject them in writing✓
• d.Only UM/UIM is offered; PIP does not exist in Washington

In Washington, liability is compulsory but UM/UIM and PIP are not. Insurers must offer UM/UIM and PIP, and the applicant may reject them in writing. A producer should document the client's written election; confirm the current offer and rejection rules with the Office of the Insurance Commissioner.

How is Washington's auto system best characterized with respect to the right to sue?

• a.A traditional tort (at-fault) state where the injured party keeps the full right to sue the at-fault driver✓
• b.A pure no-fault state that bars most auto injury lawsuits
• c.A state-run fund that pays all injury claims regardless of fault
• d.A state with no financial-responsibility requirement at all

Washington follows a traditional tort/at-fault system rather than no-fault, so an injured person retains the full right to recover from the at-fault driver and PIP is an optional first-party add-on. Confirm the current framework with the Office of the Insurance Commissioner.