WVPCI - West Virginia Property and Casualty Insurance

Question 1: A commercial general liability policy promises to pay sums the insured becomes legally obligated to pay as damages and to defend any resulting suit, but that promise under Coverage A is limited to only two specific categories of harm. Which two categories does Coverage A actually insure?

personal injury and financial loss

property damage and reputational harm

bodily injury and advertising injury

bodily injury and property damage

Question 2: A contractor carried an occurrence form CGL policy that has since expired and been replaced by a new insurer, and a worker exposed to harmful fumes on the job site years earlier just now files a bodily injury claim naming the contractor. Which policy responds to that claim?

the policy in force during exposure

the policy in force when claim filed

whichever insurer currently covers the contractor

the insurer offering the lowest premium

Question 3: An insured switches to a claims-made CGL policy with a retroactive date matching the day coverage began. An incident happens the next year, and the injured party asserts a claim two years later, while the policy remains in force. Which of the following best explains whether the claim is covered?

excluded because injury predates the policy

excluded because claim came after renewal

covered because injury and claim both qualify

covered only if insurer consents later

Question 4: A retailer is sued after wrongly accusing a shopper of theft, leading to a false arrest, and separately a competitor claims the retailer's newest advertisement copied its registered slogan word for word. Which coverage part of the commercial general liability policy is designed to respond to both of these offenses?

Coverage A, bodily injury liability

Coverage C, medical payments

the products-completed operations hazard

Coverage B, personal and advertising injury

Question 5: A customer trips on a wet floor in a store and suffers a minor cut, and the manager offers to have the store's insurer pay the customer's urgent-care bill without anyone determining whether the store was legally at fault. Which coverage part of the commercial general liability policy allows this?

Coverage C, medical payments

Coverage A, bodily injury liability

Coverage B, advertising injury

supplementary payments outside the limits

Question 6: An insurer spends a large sum investigating and defending a lawsuit against its insured, and the insured worries that this defense spending will reduce the dollar amount still available to pay any eventual judgment. Which of the following correctly describes how these defense costs are typically treated?

deducted from the each-occurrence limit

deducted from the general aggregate

paid in addition to the limits

split evenly between insurer and insured

Question 7: A retail employee, while stocking shelves during a normal shift, accidentally knocks a heavy box onto a customer, and the customer later sues both the retail company and the employee individually. Which of the following best explains the employee's status under the company's commercial general liability policy?

never an insured under any circumstance

an insured only with a separate premium

an insured only for advertising injury

an insured while acting within employment

Question 8: A workplace accident occurs at an insured company, and days pass before anyone tells the insurer anything about it, even though several employees witnessed the event and knew a lawsuit was likely. Which of the following describes what the policy expects of the insured once such an event becomes known?

give the insurer prompt notice

wait until a lawsuit is filed

notify only if damages exceed the deductible

handle the claim without insurer involvement

Question 9: A commercial general liability policy pays its full each-occurrence limit for one large claim early in the policy period, and a second, unrelated claim arises later that year. Which of the following best explains how the general aggregate limit affects what remains available for that second claim?

the aggregate resets for each new claim

the aggregate applies only to lawsuits

the aggregate is reduced by the payment

the aggregate never limits a single claim

Question 10: An insured leases office space, and a fire starting in the leased suite spreads and damages the building, which is owned by the landlord. The policy generally excludes property in the insured's care, custody, or control, yet this particular loss may still be paid. Which of the following explains why?

the care, custody exclusion never applies

the products-completed operations hazard applies

the landlord's own policy must pay first

a separate limited sublimit applies

Question 11: A personal auto liability declarations page lists three separate dollar figures rather than one, with the first applying per injured person, the second applying to all bodily injury in one accident, and the third applying to property damage in that same accident. Which limit structure does this describe?

split limits

combined single limit

a stacked limit

an aggregate limit

Question 12: An insured's auto policy shows one liability figure on the declarations page instead of three separate numbers, and after an accident that figure must cover both the injured parties' medical costs and the damage to the other vehicle out of the same total. Which limit structure produces this result?

split limits

combined single limit

an each-occurrence sublimit

a deductible offset

Question 13: A driver and a passenger are both injured in a single-vehicle accident that was entirely the driver's own fault, and the driver's auto insurer still pays each person's reasonable medical bills promptly without waiting to determine who caused the crash. Which coverage explains this payment?

uninsured motorists coverage

liability coverage

medical payments coverage

physical damage coverage

Question 14: A driver is struck and injured by another motorist who flees the scene and is never identified, leaving no liability insurer to pursue for the resulting medical bills and lost income. Which coverage on the injured driver's own auto policy is designed to respond in this situation?

underinsured motorists coverage

medical payments coverage

collision coverage

uninsured motorists coverage

Question 15: An at-fault driver carries liability insurance, but that driver's limits are far too low to cover the full extent of the injuries suffered by the person that driver struck, leaving a substantial gap between the loss and what the at-fault driver's insurer will pay. Which coverage fills that gap?

underinsured motorists coverage

uninsured motorists coverage

medical payments coverage

transportation expense coverage

Question 16: An insured's car strikes a guardrail after sliding on ice, causing significant damage to the front end of the vehicle, and no other party was involved in the accident. Which physical damage coverage on the insured's own auto policy responds to this kind of loss?

other-than-collision coverage

collision coverage

liability coverage

medical payments coverage

Question 17: An insured trades in an old car and drives a newly purchased replacement vehicle off the dealer's lot that afternoon, before calling the insurance company and before the new vehicle is added to the declarations page. Which of the following best describes the new vehicle's coverage status at this point?

not covered until the policy is endorsed

covered only as a non-owned auto

automatically covered for a limited period

covered only as a temporary substitute

Question 18: An insured begins regularly using a personal vehicle to transport paying passengers for a fee, treating the car like a taxi service, without adding any endorsement to the personal auto policy for that activity. Which of the following best describes how the policy treats resulting liability claims?

covered the same as any other trip

covered but subject to a higher deductible

excluded only if a fare was unpaid

excluded as a public or livery use

Question 19: An insured's vehicle is damaged in a covered collision and must stay at a repair shop for over a week, leaving the insured without a car and needing a rental in the meantime. Which optional coverage on the personal auto policy helps pay for that substitute transportation?

transportation expense coverage

medical payments coverage

uninsured motorists coverage

towing and labor coverage

Question 20: A company officer is furnished a business auto that the business insures, and the business auto policy specifically excludes that officer from liability protection while driving a car the officer does not own. Which type of coverage is commonly arranged to protect that individual while driving such a non-owned vehicle?

hired auto coverage

drive-other-car coverage

non-owned auto coverage under the business policy

garagekeepers coverage

WVPCI West Virginia Property and Casualty Insurance - Set 3 - Part 1

Question 1: A commercial general liability policy promises to pay sums the insured becomes legally obligated to pay as damages and to defend any resulting suit, but that promise under Coverage A is limited to only two specific categories of harm. Which two categories does Coverage A actually insure?

Question 2: A contractor carried an occurrence form CGL policy that has since expired and been replaced by a new insurer, and a worker exposed to harmful fumes on the job site years earlier just now files a bodily injury claim naming the contractor. Which policy responds to that claim?

Question 14: A driver is struck and injured by another motorist who flees the scene and is never identified, leaving no liability insurer to pursue for the resulting medical bills and lost income. Which coverage on the injured driver's own auto policy is designed to respond in this situation?

Question 16: An insured's car strikes a guardrail after sliding on ice, causing significant damage to the front end of the vehicle, and no other party was involved in the accident. Which physical damage coverage on the insured's own auto policy responds to this kind of loss?

Question 19: An insured's vehicle is damaged in a covered collision and must stay at a repair shop for over a week, leaving the insured without a car and needing a rental in the meantime. Which optional coverage on the personal auto policy helps pay for that substitute transportation?

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