WPCI - Washington Property and Casualty Insurance Exam

Question 1: A property owner buys coverage on a rental duplex that insures only the building and its structures, containing no automatic personal liability and no automatic theft protection unless those are added by endorsement. Insurance instructors use one specific label for this property-only form. Which term fits?

Multiline package policy

Comprehensive personal form

Monoline policy

Casualty coverage form

Question 2: An agency reviews four applicants seeking a standard homeowners policy: an owner who occupies a duplex, a renter wanting contents coverage, a condominium unit owner, and an operator of a working farm dwelling. Underwriting must reject the one property homeowners eligibility rules exclude. Which applicant is ineligible?

The duplex owner-occupant

The renter seeking contents

The condominium unit owner

The working farm operator

Question 3: A driver is struck by an at-fault motorist who carries no liability insurance, and the injured driver wants to know which personal auto policy part responds to bodily injury losses caused by that uninsured driver. Which coverage part applies here?

Part A liability

Part B medical payments

Part C uninsured motorists

Part D physical damage

Question 4: A homeowner's dwelling has an attached garage that shares a common wall with the residence and a separate detached workshop standing across the yard. After a kitchen fire spreads, the adjuster must decide which structure falls under Coverage A. Which structure does Coverage A insure?

The attached garage

The detached workshop

A neighbor's fence line

A rented storage unit

Question 5: A Tacoma driver injured in a collision buys personal injury protection and later asks how long the coverage will pay reasonable and necessary medical and hospital expenses that she keeps incurring from the accident. Washington sets a specific elapsed-time window. Within what period must expenses be incurred?

Within ninety days

Within one year

Within three years of the accident

Within five years

Question 6: A homeowners insured keeps cash and a small coin collection in a desk drawer, and after a covered theft she wants to know the most Coverage C personal property will pay for the stolen money and coins. Which special dollar limit applies to money?

One thousand dollars

Five hundred dollars

Two thousand five hundred dollars

Two hundred dollars

Question 7: A policyholder's twenty-year-old son, who lives at home, borrows a friend's sedan for an afternoon and causes an at-fault collision. The father wants to know whether his own personal auto liability, Part A, treats the resident son as an insured while driving that borrowed car. Is the son insured?

Yes, a resident relative is insured

No, only the named insured qualifies

Only if he owns a car

No, borrowed cars are excluded

Question 8: A Spokane insured carries underinsured motorist property damage coverage and is struck by an identified at-fault driver who is not a hit-and-run or phantom vehicle. She asks the largest deductible Washington law lets the insurer apply to that property damage claim. Which maximum deductible applies?

Three hundred dollars

Five hundred dollars

One hundred dollars

No deductible is allowed

Question 9: After a covered windstorm makes a home temporarily unfit to live in, the owner-occupant incurs motel and restaurant costs while still keeping the residence as her home. She asks which dwelling policy coverage reimburses those additional living expenses during repairs. Which coverage responds to those costs?

Coverage E additional living expense

Coverage D fair rental value

Coverage B other structures

Coverage C personal property

Question 10: A dwelling insured under a form paying replacement cost suffers a partial roof loss, and the adjuster checks whether the insured carried enough insurance to avoid a depreciation penalty. The insured must maintain a minimum percentage of the home's full replacement cost. What is that requirement?

The full market value

At least fifty percent

Actual cash value only

At least eighty percent replacement cost

Question 11: While driving on a rural highway, an insured's windshield is shattered by a rock thrown up from a passing gravel truck, with no vehicle-to-vehicle impact. He asks which physical damage category his personal auto policy uses to classify that glass loss. Which coverage classification applies?

Collision coverage

Other than collision coverage

Part A liability coverage

No coverage is available

Question 12: A homeowner reports that thieves broke in and stole two hunting rifles from a locked cabinet. Before settling, the adjuster confirms the theft-only special limit that Coverage C places on firearms and related equipment. What is the special limit for stolen firearms?

One thousand five hundred dollars

Two hundred dollars

Two thousand five hundred dollars

Five hundred dollars

Question 13: An applicant for personal insurance has a low credit-based insurance score, and the underwriter wonders how Washington permits that score to affect a decision to deny coverage at initial underwriting. State law allows credit to be used for denial only under one condition. Which condition applies?

Only combined with other underwriting factors

Credit alone may justify denial

Only for commercial policyholders

Never for any denial decision

Question 14: A hit-and-run motorist sideswipes an insured's car and speeds away, and the police report documents the contact. The insured asks whether that fleeing driver's vehicle meets the definition of an uninsured motor vehicle for coverage purposes. Which situation fits the uninsured motor vehicle definition?

A vehicle above the minimum limits

A car with valid full coverage

The insured's own covered auto

A hit-and-run striking the insured

Question 15: A newly licensed producer studies the most basic dwelling form and needs to state which perils it covers automatically, without any added endorsement or extended coverage. The basic form insures only a short list of named perils. Which perils does the basic dwelling form automatically cover?

Fire, lightning, internal explosion

Flood, earthquake, and war

Theft and vandalism only

All risks of direct loss

Question 16: A homeowner insured under the special form assumes her furniture and clothing enjoy the same open-peril protection the form gives the dwelling. Her producer explains that under this popular form, personal property is actually written on a narrower peril basis. On what basis is personal property covered?

Open peril, same as dwelling

Broad named perils

Basic named perils only

Actual cash value perils

Question 17: After a two-car crash the insured's own passenger needs emergency treatment, and fault has not yet been determined. The insured asks which personal auto coverage will pay his passenger's reasonable medical bills quickly, regardless of who caused the accident. Which coverage part pays those medical costs?

Part A liability coverage

Part C uninsured motorists

Part B medical payments

Part D physical damage

Question 18: A covered fire at a neighboring building leads civil authorities to bar residents from the insured's undamaged home for several days. The insured asks how long homeowners loss of use will reimburse additional living expenses under the civil authority provision. What is that maximum period?

Thirty days

One year

Ten days

Two weeks

Question 19: A Bellevue insured injured by an underinsured driver has underinsured motorist coverage available under two of her own similar policies and expects to add the two limits together. Washington law lets the policy cap the total recovery differently. What is the maximum the combined coverages may provide?

The higher of the applicable limits

The sum of both limits

The lower of the limits

Twice the smaller limit

Question 20: After the insured's car is stolen, he wants a rental car and asks how long he must wait before the personal auto transportation expenses coverage begins paying for a total theft loss. The policy sets a specific waiting period for theft. What is that waiting period?

Twenty-four hours

No waiting period

Seventy-two hours

Forty-eight hours

WPCI Washington Property and Casualty Insurance Exam - Set 3 - Part 1

Question 3: A driver is struck by an at-fault motorist who carries no liability insurance, and the injured driver wants to know which personal auto policy part responds to bodily injury losses caused by that uninsured driver. Which coverage part applies here?

Question 4: A homeowner's dwelling has an attached garage that shares a common wall with the residence and a separate detached workshop standing across the yard. After a kitchen fire spreads, the adjuster must decide which structure falls under Coverage A. Which structure does Coverage A insure?

Question 6: A homeowners insured keeps cash and a small coin collection in a desk drawer, and after a covered theft she wants to know the most Coverage C personal property will pay for the stolen money and coins. Which special dollar limit applies to money?

Question 12: A homeowner reports that thieves broke in and stole two hunting rifles from a locked cabinet. Before settling, the adjuster confirms the theft-only special limit that Coverage C places on firearms and related equipment. What is the special limit for stolen firearms?

Question 20: After the insured's car is stolen, he wants a rental car and asks how long he must wait before the personal auto transportation expenses coverage begins paying for a total theft loss. The policy sets a specific waiting period for theft. What is that waiting period?

Need Guaranteed Results?