WASHINGTON STATE PROPERTY
AND CASUALTY INSURANCE EXAM
2025| PRACTICE EXAM QUESTIONS
WITH 100% VERIFIED SOLUTIONS|
LATEST UPDATE
Punitive damages are intended to do all of the following EXCEPT
1. compensate for actual financial losses.
2. discourage others from doing wrong.
3. discipline the insured.
4. make an example of bad behavior. - CORRECT-ANSWER-compensate
for actual financial losses
When an insured selects symbol 2 on the automobile declarations,
indicating coverage for any auto titled to the insured, which of the
following automobile types will be covered?
1. any auto
,2. mobile equipment
3. owned autos only
4. temporary substituted - CORRECT-ANSWER-owned autos only
All of the following would be found on a declarations page EXCEPT
1. limits of insurance.
2. address of insured.
3. policy exclusions.
4. costs for coverage. - CORRECT-ANSWER-policy exclusions
Which of the following would be covered perils under the DP-1 Basic
policy form?
1. falling objects
2. freezing of plumbing
3. riot or civil commotion
4. weight of ice or snow - CORRECT-ANSWER-riot or civil commotion
,Which of the following is TRUE when the insured?s limits of insurance
apply per occurrence?
1. The insured pays one deductible for grocery cart damage to a car
occurring on different days.
2. Coverage is triggered for smoke damage to siding caused by
repeated acts by insured's neighbor.
3. The insured?s claim for damage to his basement walls caused by
settling is approved.
4. Liability is NOT covered in a second crash because limits were
exceeded in a previous crash - CORRECT-ANSWER-coverage is triggered
for smoke damage to siding caused by repeated acts by insured's
neighbor
All of the following are exclusions are found under the personal auto
policy Part A liability coverage, EXCEPT
1. damage to property owned or being transported by the insured.
2. damage to property rented to, used by, or in the care of the insured.
3. motorized vehicles with fewer than four wheels or designed for off
road use.
4. bodily Injury to an insured?s nonresident family member or relative. -
CORRECT-ANSWER-bodily injury to an insureds non resident family
member or relative
, For the purpose of workers? compensation insurance all of the
following are subject to the workers? compensation laws, either as an
employer or employee EXCEPT
1.
an insurance agent.
2.
a building contractor.
3.
the employee of a party store.
4.
a crew member of an ocean going vessel. - CORRECT-ANSWER-a crew
member of an ocean going vessel
Which of the following best describes the CGL?s general aggregate
annual limit as it applies to the coverage parts of the CGL?
1.
AND CASUALTY INSURANCE EXAM
2025| PRACTICE EXAM QUESTIONS
WITH 100% VERIFIED SOLUTIONS|
LATEST UPDATE
Punitive damages are intended to do all of the following EXCEPT
1. compensate for actual financial losses.
2. discourage others from doing wrong.
3. discipline the insured.
4. make an example of bad behavior. - CORRECT-ANSWER-compensate
for actual financial losses
When an insured selects symbol 2 on the automobile declarations,
indicating coverage for any auto titled to the insured, which of the
following automobile types will be covered?
1. any auto
,2. mobile equipment
3. owned autos only
4. temporary substituted - CORRECT-ANSWER-owned autos only
All of the following would be found on a declarations page EXCEPT
1. limits of insurance.
2. address of insured.
3. policy exclusions.
4. costs for coverage. - CORRECT-ANSWER-policy exclusions
Which of the following would be covered perils under the DP-1 Basic
policy form?
1. falling objects
2. freezing of plumbing
3. riot or civil commotion
4. weight of ice or snow - CORRECT-ANSWER-riot or civil commotion
,Which of the following is TRUE when the insured?s limits of insurance
apply per occurrence?
1. The insured pays one deductible for grocery cart damage to a car
occurring on different days.
2. Coverage is triggered for smoke damage to siding caused by
repeated acts by insured's neighbor.
3. The insured?s claim for damage to his basement walls caused by
settling is approved.
4. Liability is NOT covered in a second crash because limits were
exceeded in a previous crash - CORRECT-ANSWER-coverage is triggered
for smoke damage to siding caused by repeated acts by insured's
neighbor
All of the following are exclusions are found under the personal auto
policy Part A liability coverage, EXCEPT
1. damage to property owned or being transported by the insured.
2. damage to property rented to, used by, or in the care of the insured.
3. motorized vehicles with fewer than four wheels or designed for off
road use.
4. bodily Injury to an insured?s nonresident family member or relative. -
CORRECT-ANSWER-bodily injury to an insureds non resident family
member or relative
, For the purpose of workers? compensation insurance all of the
following are subject to the workers? compensation laws, either as an
employer or employee EXCEPT
1.
an insurance agent.
2.
a building contractor.
3.
the employee of a party store.
4.
a crew member of an ocean going vessel. - CORRECT-ANSWER-a crew
member of an ocean going vessel
Which of the following best describes the CGL?s general aggregate
annual limit as it applies to the coverage parts of the CGL?
1.
