A former Washington producer no longer holds a license. May an insurer pay that person renewal commissions on business sold while licensed?RCW 48.17.490(3)
A nonresident independent adjuster registers as an emergency adjuster after a governor's proclamation in Washington. How long may that adjuster operate without an extension?RCW 48.17.420(3)
A person who is not a surplus line broker makes an insurance contract in Washington for an unauthorized insurer without complying with chapter 48.15 RCW. What follows?RCW 48.15.020(2)
A salaried employee of an insurer settles its Washington claims. Is that person an "adjuster" under the licensing chapter?RCW 48.17.010(1)
A Washington adjuster holds both an independent and a public adjuster license. What does RCW 48.17.410 forbid?RCW 48.17.410
A Washington licensee diverts premium funds held in a fiduciary capacity to personal use. Under RCW 48.17.480, of what is the licensee guilty?RCW 48.17.480(4)
A Washington producer willfully reports to the insurer a premium different from the amount charged. What is each violation under RCW 48.17.480?RCW 48.17.480(1)
A Washington property and casualty producer opens a second office in the state. What does RCW 48.17.450 require?RCW 48.17.450(1)
Show all 106 questions (98 more)
Adjusters, producer duties and surplus line, continued
After an insurer ends an independent producer's agency contract in Washington, for how long must it permit renewal of its policies in the producer's book that meet its underwriting standards?RCW 48.17.591(2)
An adjuster handles a Washington claim under a policy issued by an unauthorized insurer. Is that adjustment the transacting of insurance in the state?RCW 48.05.030(3)
Before surplus line coverage may be placed in Washington, among whom must a diligent effort to procure it have been made?RCW 48.15.040(2)
For how long after a transaction is completed must a Washington property and casualty producer keep its record open to the commissioner?RCW 48.17.470(2)
How much advance written notice must an insurer give an independent Washington producer before ending a written agency contract, absent a ground under RCW 48.17.530?RCW 48.17.591(2)
May a Washington insurer refuse to renew a policy because its contract with the independent producer who wrote it has ended?RCW 48.17.591(1)
Under RCW 48.17.010, whose interests does a Washington public adjuster represent?RCW 48.17.010(1)
Under the appraisal clause definitions of RCW 48.17.010, who selects the umpire if the appraisers cannot agree?RCW 48.17.010(1)
What is the largest fine for each offense of unlawfully representing an unauthorized insurer in Washington?RCW 48.15.020(3)
What must a Washington adjuster's record of each adjustment state, under RCW 48.17.470?RCW 48.17.470(1)
What must a Washington producer make a good faith effort to determine about the entity issuing the coverage being solicited?RCW 48.17.067
Where must a Washington producer or adjuster display the license?RCW 48.17.460
Which licensee does RCW 48.17.450 excuse from keeping a place of business accessible to the public?RCW 48.17.450(1)
Which purpose does RCW 48.15.040 rule out for placing coverage with an unauthorized insurer?RCW 48.15.040(3)
Which Washington adjuster is defined as one "representing the interests of the insurer"?RCW 48.17.010(1)
Within how many days after surplus line insurance is procured must the Washington broker's diligent effort certification be filed with the commissioner?RCW 48.15.040(5)
Without an adjuster license, for whom may a Washington insurance producer adjust claims from time to time?RCW 48.17.420(1)
Binders, cancellation and nonrenewal 28
A lender tells a Washington borrower to buy property insurance for more than could reasonably be paid in a loss. What does RCW 48.27.010 say?RCW 48.27.010(4)
A Washington contract permits a midterm change of rates. How much advance written notice to the named insured does WAC 284-30-590 require?WAC 284-30-590(2)
A Washington insurer adds a deductible to automobile physical damage coverage. Up to what amount is that change not a cancellation under RCW 48.18.291?RCW 48.18.291(2)
A Washington insurer cancels a commercial property policy for nonpayment of premium. What notice does RCW 48.18.290 require?RCW 48.18.290(1)
A Washington insurer cancels a fire insurance policy under RCW 48.53.040. How many days of notice go to the named insured?RCW 48.18.290(1)
A Washington insurer cancels a homeowners policy. By when must the unearned premium be paid or mailed to the insured?RCW 48.18.290(4)
A Washington insurer must give its reason for refusing to renew. Which statement does WAC 284-30-570 call not sufficient?WAC 284-30-570
A Washington insurer offers to renew and states the premium. How long before expiration must that offer reach the insured for a missed payment to end the duty to renew?RCW 48.18.2901(1)
A Washington policyholder cancels a dwelling fire policy. By when must the insurer pay back the unearned premium?RCW 48.18.300(2)
A Washington private passenger auto policy has been in effect 20 days when the insurer cancels it. How much notice does RCW 48.18.291 require?RCW 48.18.291(1)
A Washington producer takes premium money while purporting to bind coverage. Which item must the receipt state under RCW 48.18.220?RCW 48.18.220
A Washington renewal offer leaves out the amount of an increased premium caused by a rate change. On what terms must the insurer renew?RCW 48.18.2901(2)
After a Washington private passenger auto policy has been in effect more than sixty days, which reason still supports a valid cancellation notice?RCW 48.18.291(2)
Below what amount need a Washington insurer make no premium refund when the insured cancels?RCW 48.18.300(2)
Besides the named insured, who receives a Washington insurer's notice of cancellation under RCW 48.18.290?RCW 48.18.290(1)
For which principal reason may a Washington insurer not cancel or refuse to renew a homeowners policy, under WAC 284-30-700?WAC 284-30-700
How does RCW 48.27.010 define the "fair value" used to test for over-insurance of Washington property?RCW 48.27.010(2)
How far ahead of expiration must a Washington insurer mail notice that it will not renew a homeowners policy?RCW 48.18.2901(1)
How long after mailing notice must a Washington insurer wait before a private passenger auto policy, in force four months, ends by cancellation for a suspended license?RCW 48.18.291(1)
How may a Washington property policy insure the cost of repair or replacement without deduction of depreciation?RCW 48.27.020
How much notice of cancellation does RCW 48.18.290 require for a Washington medical malpractice policy?RCW 48.18.290(1)
How soon should a written binder for property or vehicle insurance generally reach the Washington insured?WAC 284-30-560(2)
The premium used in a Washington binder differs from the actual policy premium. Below what difference may the insurer use the actual premium without notifying the insured?RCW 48.18.230(3)
Under RCW 48.18.290(1)(a), how far ahead must a Washington insurer mail notice of cancellation of a commercial liability policy, when the reason is not nonpayment?RCW 48.18.290(1)
What is the longest a Washington binder stays valid if no policy is issued first?RCW 48.18.230(1)
What may the commissioner do to a Washington producer who issues a binder for an insurer the producer is not authorized to bind?RCW 48.18.240
When a cancellation or nonrenewal notice goes to a Washington insured, how soon must a copy go to the producer on the account?RCW 48.18.289
When may the Washington commissioner order the immediate cancellation of a policy?RCW 48.18.310
Claim handling and trade practice rules 15
A claimant gives notice of a loss to the Washington insurer's agent, not to the home office. What does WAC 284-30-360 say?WAC 284-30-360(1)
A Washington insurer denies a claim on the ground of a policy exclusion. What must the written denial include?WAC 284-30-380(1)
A Washington insurer is negotiating directly with an unrepresented third-party claimant as a time limit nears. How far ahead must it give written notice that the limit may be expiring?WAC 284-30-380(5)
A Washington producer gets a signed delivery receipt from the insured but keeps the new policy in the office for safekeeping. What does WAC 284-30-580 say?WAC 284-30-580(2)
A Washington producer plans to charge a fee above the usual commission for placing a policy. What makes that fair under WAC 284-30-750?WAC 284-30-750
For a claim under a group insurance contract, how long does a Washington insurer have to acknowledge the notice of claim?WAC 284-30-360(1)
From October 18, 2026, by when must a Washington insurer tell a first party claimant whether the claim is accepted or denied?WAC 284-30-380(1)
From October 18, 2026, how long does a Washington insurer have to answer the commissioner's inquiry about a complaint?WAC 284-30-360(2)
How soon must a Washington insurer acknowledge notice of a claim under an individual policy?WAC 284-30-360(1)
How soon should a Washington producer generally give a signed receipt for a cash premium on a homeowners policy?WAC 284-30-550(1)
In a Washington total loss settlement, licensed dealer quotes for a comparable motor vehicle must come from within what distance of the principally garaged area, if dealers there have one?WAC 284-30-391(2)
Past what time after the automobile accident may Washington personal injury protection medical services be refused as incurred too late?WAC 284-30-395(1)
Unless it cannot reasonably be done, how soon after notification must a Washington insurer complete its investigation of a claim?WAC 284-30-370(1)
What does RCW 48.01.030 require of all persons in Washington insurance matters?RCW 48.01.030
Which is one of the only four grounds on which a Washington insurer may deny personal injury protection medical and hospital benefits?WAC 284-30-395(1)
Auto: financial responsibility, UIM and PIP 24
A tort-feasor's liability insurer becomes insolvent. Within how long after the accident must that happen for Washington underinsured motorist insolvency protection to apply?RCW 48.22.040(2)
A Washington driver cited for no insurance shows the court written evidence of coverage at the time. What administrative cost may the court assess on dismissal?RCW 46.30.020(2)
A Washington driver fails to show proof of financial responsibility when an officer asks. What does RCW 46.30.020 presume?RCW 46.30.020(1)
Besides a liability policy, which of these satisfies Washington's mandatory financial responsibility law?RCW 46.30.020(1)
How does RCW 46.30.020 class the failure to provide proof of motor vehicle insurance in Washington?RCW 46.30.020(1)
How many passengers at most is a "passenger car" designed to carry under RCW 46.04.382?RCW 46.04.382
How must personal injury protection coverage be handled when a new Washington automobile liability policy is issued?RCW 48.22.085(1)
If a named insured asks, what higher medical and hospital limit must a Washington auto insurer offer for personal injury protection?RCW 48.22.100
In what amount must underinsured motorist bodily injury coverage be provided in a Washington auto liability policy, unless the insured rejects all or part of it?RCW 48.22.030(3)
Outside hit-and-run and phantom vehicle losses, what is the largest deductible for Washington underinsured property damage coverage?RCW 48.22.030(7)
To whom need a Washington insurer not provide personal injury protection coverage?RCW 48.22.090
Under RCW 46.29.090, what is the least limit for bodily injury to two or more persons in one accident?RCW 46.29.090(1)
Under the higher personal injury protection limits of RCW 48.22.100, what weekly cap applies to income continuation benefits?RCW 48.22.100
Washington's minimum personal injury protection pays income continuation benefits of ten thousand dollars. What weekly limit applies?RCW 48.22.095(1)
What funeral expense benefit does Washington's minimum personal injury protection coverage carry?RCW 48.22.095(1)
What is the largest deductible a Washington policy may apply to underinsured property damage caused by a hit-and-run driver or a phantom vehicle?RCW 48.22.030(7)
What is the least bodily injury limit for one person in one accident that satisfies Washington's financial responsibility law?RCW 46.29.090(1)
What is the loss of services benefit in Washington's minimum personal injury protection coverage?RCW 48.22.095(1)
What is the medical and hospital benefit limit of the minimum personal injury protection coverage a Washington auto insurer must offer?RCW 48.22.095(1)
What is Washington's minimum liability limit for damage to the property of others in one accident?RCW 46.29.090(1)
What marks a "phantom vehicle" under Washington's underinsured motorist law?RCW 48.22.030(8)
While occupying which vehicle is Washington underinsured motorist coverage not required to protect the insured?RCW 48.22.030(2)
Who may reject underinsured motorist coverage on a Washington auto policy, and how?RCW 48.22.030(4)
Within how many hours must a phantom vehicle accident be reported to law enforcement for Washington underinsured motorist coverage to apply?RCW 48.22.030(8)
Assigned risk plan and FAIR plan 7
For what term are Washington FAIR plan policies issued?WAC 284-19-100
Must an applicant prove a rejection in the normal market before business is placed under Washington's FAIR plan?WAC 284-19-070(1)
To whom may an applicant appeal a ruling of the manager of Washington's assigned risk plan?RCW 48.22.020
What does an inspection of property by the inspection bureau cost a Washington FAIR plan applicant?WAC 284-19-060(1)
What is the most liability that may be placed through Washington's FAIR plan on any one property at one location?WAC 284-19-070(2)
Which of these is outside the "essential property insurance" of Washington's FAIR plan?WAC 284-19-050(2)
Which Washington insurers must take part in an approved motor vehicle assigned risk plan?RCW 48.22.020
Insurance guaranty association 7
Above what amount does the Washington Insurance Guaranty Association's obligation on a covered claim begin?RCW 48.32.060(1)
Below what amount must the covered part of a claim fall for the Washington Insurance Guaranty Association to be obligated?RCW 48.32.060(1)
By what date each year must the board of the Washington Insurance Guaranty Association submit its financial report?RCW 48.32.120
For how long after an order of liquidation do new claims under an insolvent Washington insurer's policy still count, at the longest?RCW 48.32.060(1)
What is the most a member insurer may be assessed in one year on one account of the Washington Insurance Guaranty Association?RCW 48.32.060(1)
Which is a stated purpose of Washington's insurance guaranty association chapter?RCW 48.32.010
Which kind of insurance falls within the Washington Insurance Guaranty Association Act?RCW 48.32.020
How this list was compiled: Revised Code of Washington, chapters 48.01, 48.05, 48.15, 48.17, 48.18, 48.22, 48.27 and 48.32 and sections 46.04.382, 46.29.090 and 46.30.020, and Washington Administrative Code chapters 284-19 and 284-30, on the Washington State Legislature's own site (https://app.leg.wa.gov/RCW/ and https://app.leg.wa.gov/WAC/), read on October 12, 2026. Each question names its section and links to it. The topics follow the state part of the content outline "Washington Property and Casualty Producer" (150 items, 195 minutes; Washington Laws, Rules, and Regulations, 45 items), which prints the RCW and WAC references beside each topic (the outline: https://proctor2.psionline.com/media/programs/WAINS/propc26.pdf). The Office of the Insurance Commissioner gives the passing score and links the candidate information bulletin at https://www.insurance.wa.gov/producers-adjusters/education/first-time-license/how-schedule-insurance-license-exam. Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
This unofficial Washington P&C practice test covers the state law part of the property and casualty producer exam: 106 free questions from the RCW and WAC. No policy forms. Not affiliated with the Washington State Office of the Insurance Commissioner.
Read the full guide
Washington State property and casualty exam practice test: the state part
The outline prints the RCW and WAC references beside each topic of its Washington law part. The six groups follow those references: adjusters and producer duties, binders and cancellation, claim rules, auto, the assigned risk and FAIR plans, and the guaranty association.
Claim rules as amended October 18, 2026
The claim handling rules of chapter 284-30 WAC change on that date. From then an insurer accepts or denies a first party claim within 30 calendar days of the notification of claim and answers the commissioner's inquiry within 10 business days. A question on a changed figure gives the date.
Cancellation notice: 60 days in general, 10 for nonpayment; private passenger auto 20 days, or 10 in the first 30 days (RCW 48.18.290, 48.18.291).
Minimum auto liability: $25,000 for one person, $50,000 for two or more, $10,000 for property (RCW 46.29.090).
Guaranty association: the part of a covered claim over $100 and under $300,000 (RCW 48.32.060).
Questions and answers
How many questions are on the Washington property and casualty exam?
The combined Property and Casualty Producer exam has 150 items in 195 minutes, 45 of them on Washington laws, rules and regulations. Property alone and Casualty alone are 100 items in 150 minutes each.
What score passes the Washington insurance exam?
The Office of the Insurance Commissioner says you must score at least 70 percent to pass. That mark is for the whole exam, so this state-law page gives a score and no pass or fail.
Is this Washington State property and casualty insurance license practice test free?
Yes. Every question is free and your answers stay in your browser. The questions are our own, written from the RCW and WAC. The Office of the Insurance Commissioner did not write or review them.
Does this Washington casualty and property license practice test cover policy forms?
No. The other 105 of the 150 items, on general insurance concepts, policy forms and two on federal law, are not asked here. Exam mode draws 45 questions, the size of the state part.