PRACTICE TEST- PROPERTY AND
CASUALTY INSURANCE
WASHINGTON STATE WITH A+
GRADED ANSWERS (2026)
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. - 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 - answer-owned autos only
,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. - answer-bodily
injury to an insureds non resident family member or relative
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. - 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 - 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 - answer-coverage is triggered for smoke damage to siding caused by repeated
acts by insured's neighbor
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. - answer-a crew member of an ocean going
vessel
CASUALTY INSURANCE
WASHINGTON STATE WITH A+
GRADED ANSWERS (2026)
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. - 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 - answer-owned autos only
,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. - answer-bodily
injury to an insureds non resident family member or relative
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. - 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 - 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 - answer-coverage is triggered for smoke damage to siding caused by repeated
acts by insured's neighbor
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. - answer-a crew member of an ocean going
vessel
