West Virginia Property & Casualty Insurance License Exam — All Questions

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

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

West Virginia's minimum liability limits are 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 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 Offices of the Insurance Commissioner.

Which coverage is mandatory on a West Virginia personal auto policy in addition to liability?

• a.Collision coverage
• b.Personal injury protection (PIP)
• c.Uninsured motorist (UM) coverage at limits equal to the liability minimums✓
• d.Rental reimbursement coverage

In addition to bodily injury and property damage liability, West Virginia requires uninsured motorist (UM) coverage at limits equal to the liability minimums, verified this session via a state auto-insurance requirements source. Confirm the current rule with the Offices of the Insurance Commissioner.

How does West Virginia treat underinsured motorist (UIM) coverage on a personal auto policy?

• a.It is prohibited in West Virginia
• b.Insurers must offer it, and the applicant may accept or reject it✓
• c.It is automatically included and cannot be waived
• d.It is available only on commercial auto policies

West Virginia requires insurers to offer underinsured motorist coverage; the applicant may accept or reject it, and the insured chooses the amount up to the limits the insurer must make available. UIM pays when the at-fault driver has some, but not enough, liability coverage. Confirm the current offer rules with the Offices of the Insurance Commissioner.

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

• a.A traditional tort (at-fault) state where the at-fault driver's insurer pays and the injured party keeps the full right to sue✓
• 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

West Virginia follows a traditional tort/at-fault system rather than no-fault, so the at-fault driver and that driver's insurer are responsible for the other party's damages and the injured person keeps the full right to sue. Confirm the current framework with the Offices of the Insurance Commissioner.