A new West Virginia policyholder never makes the initial premium payment on an auto liability policy. What does the statute make the policy?W. Va. Code 33-6A-1(d)
A West Virginia auto cancellation notice did not state the reasons. How soon after the named insured's written request must the insurer give them in writing?W. Va. Code 33-6A-3
A West Virginia auto declination may not rest solely on which of these?W. Va. Code 33-6B-3(j)
A West Virginia auto insurer elects which nonrenewal method its notices follow. For how long is it bound by that election?W. Va. Code 33-6A-4b(a)
A West Virginia auto policy was not renewed only because the renewal premium went unpaid. Within how many days of the original expiration date may the insured apply for reinstatement?W. Va. Code 33-6A-4(e)
A West Virginia driver under 21 has a license suspended 60 days for a blood alcohol level between .02 and .08. May the auto insurer cancel for that suspension?W. Va. Code 33-6A-1(a)(4)(A)
A West Virginia insurer cancels an auto liability policy for unpaid premium. What is the shortest notice?W. Va. Code 33-6A-1(c)
Show all 191 questions (184 more)
Auto cancellation, nonrenewal and declination, continued
A West Virginia insurer moves an insured to another company in its group for a valid underwriting reason involving a substantially increased risk. Is that a cancellation of the auto policy?W. Va. Code 33-6A-2
A West Virginia insurer notifies an insured that an auto policy will be cancelled. Who else must get the same notice?W. Va. Code 33-6A-1a(b)
A West Virginia insurer that made the nonrenewal election will not renew because a household driver had two at-fault accidents. What option must its notice give the named insured?W. Va. Code 33-6A-4(c)
After a West Virginia private passenger auto policy has been in effect how long may the insurer cancel it mid-term only for the reasons the statute lists?W. Va. Code 33-6A-1(a)
After receiving a written application, how soon must a West Virginia insurer give the applicant its reasons for declining auto liability coverage?W. Va. Code 33-6B-4
Before voiding a West Virginia auto policy for an unpaid initial premium, the insurer's written notice gives the insured how many days to pay?W. Va. Code 33-6A-1(d)
Besides first class mail, how may a West Virginia insurer send an auto cancellation notice?W. Va. Code 33-6A-1(b)
Besides the specific reasons and the right to a hearing, what must a West Virginia auto nonrenewal notice tell the insured?W. Va. Code 33-6A-4(d)
The cost of a West Virginia auto nonrenewal hearing is assessed against the losing party. What is the most it may be?W. Va. Code 33-6A-4(d)
For a reason other than unpaid premium, how much notice must a West Virginia insurer give before cancelling an auto liability policy?W. Va. Code 33-6A-1(b)
How much advance notice must a West Virginia insurer give before refusing to renew an auto liability or physical damage policy?W. Va. Code 33-6A-4(a)
Is coverage under a West Virginia auto policy reinstated after an unpaid renewal premium retroactive to the original expiration date?W. Va. Code 33-6A-4(e)(2)
May a West Virginia auto insurer charge different rates based on age, sex or marital status?W. Va. Code 33-6B-3(d)
May a West Virginia insurer that elected the alternative method refuse to renew an auto policy for any reason consistent with its underwriting standards?W. Va. Code 33-6A-4a(a), (d)
Once a West Virginia auto policy has been in existence how long may the insurer refuse renewal only for the reasons the statute lists?W. Va. Code 33-6A-4(b)
Under West Virginia's alternative nonrenewal method, an auto insurer's nonrenewals in a year may not exceed what share of its policies in force in the state?W. Va. Code 33-6A-4a(d)
Under West Virginia's auto declination article, which of these counts as a declination?W. Va. Code 33-6B-2
What is the largest penalty the West Virginia commissioner may assess for each willful and knowing violation of the auto declination article?W. Va. Code 33-6B-6(b)
Which driving record is a listed ground for mid-term cancellation of a West Virginia auto policy?W. Va. Code 33-6A-1(a)(5)(G)
Which reason may a West Virginia insurer NOT use to decline a private passenger auto application?W. Va. Code 33-6B-3(f)
Within how many days after the notice is mailed may a West Virginia insured appeal an auto cancellation or nonrenewal to the commissioner?W. Va. Code 33-6A-5
Auto coverage, limits and uninsured motorists 34
A nonresident's vehicle must carry West Virginia's required security once it has been physically present in the state more than how many days in the preceding 365?W. Va. Code 17D-2A-3(c)
A West Virginia applicant receives the form offering optional uninsured and underinsured coverage. Within how many days must it be completed, signed and returned?W. Va. Code 33-6-31d(b)
A West Virginia auto insurer must offer optional uninsured motorist limits up to what amount for bodily injury to one person in one accident?W. Va. Code 33-6-31(b)
A West Virginia auto insurer must offer optional uninsured motorist limits up to what amount for bodily injury to two or more persons in one accident?W. Va. Code 33-6-31(b)
A West Virginia driver cited for not carrying proof of insurance is not guilty if proof that insurance was in effect is furnished within how many days?W. Va. Code 17D-2A-4(b)
A West Virginia insurance agent knowingly helps a client give a false statement of insurance on a vehicle registration application. What is the agent's exposure?W. Va. Code 17A-3-3(e)
A West Virginia insured is injured by a driver whose identity is never learned. How does the law treat that driver's vehicle?W. Va. Code 33-6-31(c)
A West Virginia umbrella policy is written to cover automobile liability. What must the insurer do about uninsured and underinsured motorist coverage?W. Va. Code 33-6-31f(a)
A West Virginia underinsured motorist carrier is told the liability insurer has offered its policy limits. How long does it have to preserve its subrogation rights?W. Va. Code 33-6-31e(c)
A West Virginia uninsured motorist endorsement may exclude the first how much of property damage caused by an uninsured motorist?W. Va. Code 33-6-31(b)
After a West Virginia hit-and-run, how soon must the insured report the accident to a police, peace or judicial officer to recover under uninsured motorist coverage?W. Va. Code 33-6-31(e)(1)
After an accident with an unknown driver, how soon must a West Virginia insured notify the insurer of the cause of action against the unknown person?W. Va. Code 33-6-31(e)(2)
The at-fault driver's insurer becomes insolvent and its West Virginia policy cannot be collected. What is that driver's vehicle under the uninsured motorist law?W. Va. Code 33-6-31(j)
For a first offense of driving without the required security, a West Virginia owner avoids the license suspension by showing proof of insurance and paying what penalty fee before the effective date?W. Va. Code 17D-2A-7(a)(1)
For a second offense within five years of having no required security, how long does West Virginia suspend the owner's driver's license?W. Va. Code 17D-2A-7(a)(2)
For knowingly giving a false statement of insurance on a West Virginia vehicle registration application, how long is the driver's license suspended?W. Va. Code 17A-3-3(e)
How may a West Virginia vehicle owner provide the security the law requires on a registered motor vehicle?W. Va. Code 17D-2A-3(e)
In West Virginia, when is an at-fault driver's vehicle an underinsured motor vehicle?W. Va. Code 33-6-31(b)
Is underinsured motorist coverage mandatory on a West Virginia auto liability policy?W. Va. Code 33-6-31(b)
Must a West Virginia auto liability policy include uninsured motorist coverage?W. Va. Code 33-6-31(b)
Since January 1, 2016, what is West Virginia's minimum liability limit for bodily injury to or death of one person in one accident?W. Va. Code 17D-4-2(b)
Since January 1, 2016, what is West Virginia's minimum liability limit for bodily injury to or death of two or more persons in one accident?W. Va. Code 17D-4-2(b)
Since January 1, 2016, what is West Virginia's minimum liability limit for damage to the property of others in one accident?W. Va. Code 17D-4-2(b)
To recover under West Virginia uninsured motorist coverage when the other driver is unknown, what must the insured establish at trial?W. Va. Code 33-6-31(e)(3)
Under West Virginia's automobile assigned risk plan, who may be paid the commission on a policy issued under the plan?W. Va. Code 33-12-27
Under West Virginia's omnibus clause, who besides the named insured must an auto liability policy cover?W. Va. Code 33-6-31(a)
West Virginia auto rate filings must give a premium reduction to a principal operator of at least what age who completes an approved accident prevention course?W. Va. Code 33-20-18(a)
What does West Virginia law presume when an applicant does not return the optional uninsured and underinsured coverage form in time?W. Va. Code 33-6-31d(c)
What is the shortest term for which a West Virginia motor vehicle liability policy may be written, absent an exception by rule?W. Va. Code 17D-2A-5
What must a West Virginia insurer use as a guide to the minimum value of a motor vehicle in a total loss settlement?W. Va. Code 33-6-33
When does a West Virginia insurer's liability under the required motor vehicle liability coverage become absolute?W. Va. Code 17D-4-12(f)(1)
Which exclusion is barred in a West Virginia auto liability policy?W. Va. Code 33-6-29(a)
Which of these counts as proof of insurance in West Virginia?W. Va. Code 17D-2A-4(c)
Which provision may a West Virginia uninsured motorist endorsement NOT contain?W. Va. Code 33-6-31(g)
Homeowners, fire policies, binders and insurable interest 19
A fire damages part of an insured West Virginia building. What is the insurer's liability on the real property?W. Va. Code 33-17-9
A West Virginia fire policy does not cover flood. What must the insurer give the policyholder?W. Va. Code 33-17-6a
A West Virginia homeowners policy in force at least four years may not be denied renewal solely for which of these?W. Va. Code 33-17A-4(c)(1)(A)
A West Virginia house insured against fire is a total loss. What does the valued policy law make the insurer owe on the real property?W. Va. Code 33-17-9
A West Virginia property insurer nonrenews under the alternative method. What possible source of coverage must its notice name?W. Va. Code 33-17A-4a(e)
A West Virginia property insurer that did not elect the alternative nonrenewal method may also nonrenew for two or more paid claims within what period?W. Va. Code 33-17A-4b(c)
A West Virginia property policy in existence how long may be nonrenewed only for a permitted cancellation reason or another valid underwriting reason involving a substantial increase in the risk?W. Va. Code 33-17A-4(c)(1)
After a West Virginia homeowners policy has been in effect more than how many days may the insurer cancel it only for a listed reason?W. Va. Code 33-17A-5
After the West Virginia commissioner's final order finds a homeowners policy was wrongly terminated, how long does the insured have to sue for a loss the coverage would have paid?W. Va. Code 33-17A-9(b)
How does West Virginia define an insurable interest in property?W. Va. Code 33-6-3(b)
How long before the end of the policy period must a West Virginia property insurer send notice of its intention regarding renewal?W. Va. Code 33-17A-4(c)
In West Virginia, how are statements made in an insurance application treated?W. Va. Code 33-6-7
In West Virginia, what is the measure of an insurable interest in property?W. Va. Code 33-6-3(c)
May a binder be made orally in West Virginia?W. Va. Code 33-6-18(a)
What is the longest period a West Virginia agent or insurer may cover with a binder, absent the commissioner's written approval or a rule?W. Va. Code 33-6-18(b)
When does West Virginia's valued policy section not apply to a fire loss on real property?W. Va. Code 33-17-9
When must a West Virginia insurer give a homeowners applicant the specific reasons for a declination?W. Va. Code 33-17A-4(a)
Which is a listed reason for cancelling a West Virginia homeowners policy that has been in effect more than 60 days?W. Va. Code 33-17A-5(h)
Which West Virginia property does the homeowners article on declinations and terminations cover?W. Va. Code 33-17A-2(a)
Essential Insurance Association and mine subsidence 14
A new West Virginia policy or endorsement with mine subsidence coverage takes effect on which calendar day after the application date?W. Va. Code 33-30-6(b)
After proof of loss is presented, within how many days must a West Virginia mine subsidence claim be paid, unless the insurer and claimant agree otherwise?W. Va. Code 33-30-10(b)
How is mine subsidence coverage handled on a policy insuring a structure in most West Virginia counties?W. Va. Code 33-30-6(a)
In Berkeley, Cabell, Wood and certain other West Virginia counties, how is mine subsidence coverage provided?W. Va. Code 33-30-6(a)
In one year, a member of the West Virginia Essential Insurance Association may not be assessed more than what share of its net direct written premiums for the preceding year?W. Va. Code 33-20A-5(b)(1)
What causes the loss that West Virginia mine subsidence insurance covers?W. Va. Code 33-30-3(2)
What coverage does the West Virginia Essential Insurance Association make available?W. Va. Code 33-20A-3(a)
What is the most insured value the board may reinsure for mine subsidence on one West Virginia structure?W. Va. Code 33-30-6(b)(1)
What is the smallest deductible allowed on West Virginia mine subsidence coverage?W. Va. Code 33-30-6(b)(1)
When must a West Virginia insurer refuse mine subsidence coverage on a structure?W. Va. Code 33-30-7
Which insurers must participate in the West Virginia Essential Insurance Association?W. Va. Code 33-20A-3(a)
Which is NOT a structure under West Virginia's mine subsidence article?W. Va. Code 33-30-3(6)
Who may get coverage through the West Virginia Essential Insurance Association?W. Va. Code 33-20A-3(a)
Who operates West Virginia's mine subsidence insurance fund?W. Va. Code 33-30-4(a)
Rates, forms, malpractice policies and risk retention 14
A West Virginia insured requests a hearing on the cancellation of a malpractice policy. What happens to the policy meanwhile?W. Va. Code 33-20C-5
A West Virginia purchasing group wants liability insurance from an insurer not authorized in the state. What license must the person placing it hold?W. Va. Code 33-32-21(d)
How are policy forms for West Virginia commercial lines property and casualty risks handled?W. Va. Code 33-6-8(b)(2)
How far in advance of delivery must a West Virginia insurer file a noncommercial lines policy form?W. Va. Code 33-6-8(b)(1)
How long before the expiration date must a West Virginia insurer send written notice that it will not renew a malpractice policy?W. Va. Code 33-20C-4(a)
How must a West Virginia insurer send notice that it will not renew a malpractice policy?W. Va. Code 33-20C-4(a)
The waiting period on a West Virginia noncommercial form filing ends with no action by the commissioner. What is the form's status?W. Va. Code 33-6-8(b)(1)
West Virginia casualty rating standards must establish at least how many territorial rate areas within the state?W. Va. Code 33-20-3(c)(2)
West Virginia's Risk Retention Act regulates groups formed under which federal law?W. Va. Code 33-32-1
What three things may West Virginia property and casualty rates not be?W. Va. Code 33-20-3(b)
Which commercial coverage is NOT exempt from West Virginia's rate filing requirements?W. Va. Code 33-20-4(a)(4)
Which is a ground on which the West Virginia commissioner must disapprove a policy form?W. Va. Code 33-6-9(b)
Which is a permitted reason for a West Virginia insurer to cancel a malpractice policy?W. Va. Code 33-20C-2(d)
Who may solicit liability insurance in West Virginia from a risk retention group?W. Va. Code 33-32-21(a)
Insurance Guaranty Association 11
A claim is not covered if it is filed with the West Virginia Insurance Guaranty Association more than how long after the final order of liquidation?W. Va. Code 33-26-8(a)(1)
A West Virginia claimant against an insolvent insurer also has another policy that covers the same loss. What must happen first?W. Va. Code 33-26-12(a)
How much of a covered claim for workers' compensation benefits, other than a deliberate intention claim, does the West Virginia Insurance Guaranty Association pay?W. Va. Code 33-26-8(a)(1)(A)
In any one year, a member of the West Virginia Insurance Guaranty Association may not be assessed on an account more than what share of its net direct written premiums?W. Va. Code 33-26-8(a)(3)
May West Virginia insurers recover Guaranty Association assessments through their rates?W. Va. Code 33-26-16
The West Virginia Insurance Guaranty Association pays covered claims that arise within how many days after the final order of liquidation?W. Va. Code 33-26-8(a)(1)
What is the most the West Virginia Insurance Guaranty Association pays on a covered claim that is not a workers' compensation or unearned premium claim?W. Va. Code 33-26-8(a)(1)(C)
What is the most the West Virginia Insurance Guaranty Association pays per policy for the return of unearned premium?W. Va. Code 33-26-8(a)(1)(B)
Which amount is never part of a covered claim against the West Virginia Insurance Guaranty Association?W. Va. Code 33-26-5(9)(B)(i)
Which is one of the three accounts of the West Virginia Insurance Guaranty Association?W. Va. Code 33-26-6
Which kind of insurance is outside the scope of the West Virginia Insurance Guaranty Association?W. Va. Code 33-26-3
Workers' compensation and comparative fault 11
A West Virginia agricultural employer need not buy workers' compensation insurance if it has no more than how many full-time employees?W. Va. Code 23-2-1(b)(2)
A West Virginia casual employer, exempt from mandatory workers' compensation, has no more than how many employees?W. Va. Code 23-2-1(b)(4)
A West Virginia limited liability company may elect to leave out of workers' compensation coverage no more than how many managers, officers or members?W. Va. Code 23-2-1(d)(3)
A West Virginia plaintiff is found 30 percent at fault and the other parties 70 percent. What happens to the recovery?W. Va. Code 55-7-13c(c)
How does West Virginia's insurance code define workers' compensation insurance?W. Va. Code 33-1-10(e)(14)
How much written notice must a private carrier give before refusing to renew a West Virginia workers' compensation policy?W. Va. Code 23-2C-15(d)
In a West Virginia action for damages, what is each defendant's liability for compensatory damages as a rule?W. Va. Code 55-7-13c(a)
Under West Virginia's modified comparative fault, when is a plaintiff barred from any recovery?W. Va. Code 55-7-13c(c)
When may a West Virginia claimant recover no damages at all because of the claimant's own conduct?W. Va. Code 55-7-13d(c)
Which West Virginia defendant is jointly and severally liable despite the several liability rule?W. Va. Code 55-7-13c(h)(1)
Which West Virginia employer is not required to buy workers' compensation insurance but may elect to?W. Va. Code 23-2-1(b)(1)
Commissioner, insurers and producer licensing 42
A business entity acts as an insurance agency in West Virginia. Whom must it designate before its producer license is approved?W. Va. Code 33-12-6(b)(4)
A person aggrieved by an act of the West Virginia commissioner demands a hearing in writing. Within how many days of receiving the demand must it be held?W. Va. Code 33-2-13
A West Virginia agent helps place a risk with an insurer not licensed in the state, outside the surplus lines law. What is the agent's liability on the contract?W. Va. Code 33-12-20
A West Virginia agent refuses to let the commissioner examine the agency's books and records. What may the commissioner do?W. Va. Code 33-2-9(g)
A West Virginia insured pays the premium to the surplus lines licensee who procured the policy. How does the law treat the payment?W. Va. Code 33-12C-14
A West Virginia insurer appoints an individual producer as its agent. Within how many days of the agency contract or the first application must it file the notice of appointment?W. Va. Code 33-12-18(b)
A West Virginia producer lets the license lapse. Within how many months of the renewal fee's due date may it be reinstated without a written examination?W. Va. Code 33-12-9(c)
A West Virginia producer misses the continuing education requirement and has no extension. What happens to the license?W. Va. Code 33-12-8(h)
A West Virginia producer surrenders the license while an investigation is open. May the commissioner still impose a penalty?W. Va. Code 33-12-24(f)
A West Virginia producer who exceeds the continuing education minimum may carry over at most how many credit hours into the next reporting period?W. Va. Code 33-12-8(g)
A West Virginia resident holds a policy issued by an unauthorized insurer. Is the insurer bound by its terms?W. Va. Code 33-44-4(c)
After notice and hearing, what is the largest fine the West Virginia commissioner may impose for each act of unauthorized transaction of insurance?W. Va. Code 33-44-7(a)
An applicant who fails the West Virginia producer examination is limited to how many additional attempts?W. Va. Code 33-12-5(e)
An insurer formed under the laws of Ohio holds a West Virginia license. What kind of insurer is it in West Virginia?W. Va. Code 33-1-7
Another state takes administrative action against a West Virginia producer. Within how many days of the final disposition must the producer report it to the commissioner?W. Va. Code 33-12-34(a)
At least how often must the West Virginia commissioner visit and thoroughly examine each domestic insurer?W. Va. Code 33-2-9(c)
Before placing coverage with an eligible surplus lines insurer, what must a West Virginia producer generally do?W. Va. Code 33-12C-5(b)(3)
For how long after a contract ends must a West Virginia surplus lines licensee keep its record open to examination by the commissioner?W. Va. Code 33-12C-16(b)
For how long is the West Virginia Insurance Commissioner appointed?W. Va. Code 33-2-1
How much notice of the time, place and matters of a hearing must the West Virginia commissioner give to persons directly affected?W. Va. Code 33-2-13
In a dispute between a West Virginia insured and the insurer, whose agent is the person who solicited the application?W. Va. Code 33-12-22
In place of suspending or revoking an insurer's license, the West Virginia commissioner may order the insurer to pay a penalty of up to what amount?W. Va. Code 33-3-11(b)
In West Virginia's surplus lines law, what does it mean to export insurance?W. Va. Code 33-12C-3(g)
No West Virginia continuing education program may require an individual producer to complete more than how many hours each biennium?W. Va. Code 33-12-8(c)(1)
Under West Virginia's definitions, who is an insurance agent?W. Va. Code 33-1-12
The West Virginia commissioner denies a producer license application. Within how many days may the applicant make written demand for a hearing?W. Va. Code 33-12-24(c)
The West Virginia commissioner must find that a property and casualty applicant does not intend to use the license principally for what?W. Va. Code 33-12-6(a)(7)
The West Virginia commissioner orders a person to stop transacting insurance in an improper manner. After how many days of failing to obey may the commissioner revoke the person's license?W. Va. Code 33-2-11
What authority to commit an insurance carrier does a West Virginia producer license itself create?W. Va. Code 33-12-2(h)
What is the largest civil penalty for a first offense under West Virginia's surplus lines article?W. Va. Code 33-12C-18(b)
What is the largest civil penalty the West Virginia commissioner may impose on a producer, after hearing, in addition to or in place of suspension or revocation?W. Va. Code 33-12-24(e)
What is the minimum age for a resident West Virginia insurance producer license?W. Va. Code 33-12-6(a)(1)
What marks a mutual insurer under West Virginia law?W. Va. Code 33-1-19
What must a West Virginia surplus lines licensee tell the insured in writing before the contract is binding?W. Va. Code 33-12C-13(a)
What tax must a West Virginia surplus lines licensee collect on the gross premiums and fees charged for surplus lines insurance?W. Va. Code 33-12C-7(a)
Which act is soliciting insurance under West Virginia's producer licensing article?W. Va. Code 33-12-2(p)
Which is a condition for West Virginia to grant a nonresident producer license to a person licensed in another home state?W. Va. Code 33-12-12(a)
Which is a listed ground for the West Virginia commissioner to suspend or revoke a producer's license?W. Va. Code 33-12-24(b)(12)
Which payment do West Virginia's commission rules allow?W. Va. Code 33-12-23(f)
Who appoints the West Virginia Insurance Commissioner?W. Va. Code 33-2-1
Who may be issued a West Virginia surplus lines license?W. Va. Code 33-12C-8(b)
Who must submit fingerprints for a criminal history record check under West Virginia's producer licensing article?W. Va. Code 33-12-37(b)(1)
Unfair trade practices and fraud 18
A person has been convicted of a felony involving dishonesty or breach of trust. What does West Virginia's fraud prevention article say about that person?W. Va. Code 33-41-11(c)
A West Virginia agent gives a client back part of the premium on a homeowners policy, though no filing provides for it. What is this?W. Va. Code 33-11-4(8)(c)
A West Virginia insured knowingly accepts a rebate of premium that the policy does not specify. Has the insured violated the unfair practices article?W. Va. Code 33-11-4(8)(c)
A West Virginia lender requires a borrower to buy the homeowners policy through one named agent as a condition of the loan. How does the law treat this?W. Va. Code 33-11-5(a)(1)
A West Virginia licensee did not know and had no reason to know of an unfair trade practice violation. What is the most the commissioner may order paid for each act?W. Va. Code 33-11-6(a)
A West Virginia licensee violates a cease and desist order that is still in effect. What is the largest penalty for each act?W. Va. Code 33-11-8
A West Virginia producer reasonably believes a fraudulent insurance act is being committed. What does the fraud prevention article require?W. Va. Code 33-41-5(a)
For West Virginia property and casualty insurance, what is unfair discrimination?W. Va. Code 33-11-4(7)(c)
From what source may the West Virginia commissioner order restitution to a claimant harmed by a general business practice of unfair claim settlement?W. Va. Code 33-11-6(e)(1)
How long after discovering an alleged unfair claims settlement practice does a West Virginia third-party claimant have to file the administrative complaint?W. Va. Code 33-11-4a(b)
In West Virginia, what is a third-party claimant's sole remedy for an unfair claims settlement practice?W. Va. Code 33-11-4a(a)
Is a good faith disagreement over the value of a claim an unfair claims settlement practice in West Virginia?W. Va. Code 33-11-4a(g)
Since what date must a West Virginia insurer keep a complete record of the complaints it has received?W. Va. Code 33-11-4(10)
West Virginia bars any agreement or concerted act of boycott, coercion or intimidation. What result makes it an unfair practice?W. Va. Code 33-11-4(4)
What is the largest penalty the West Virginia commissioner may order when an insurer's unfair claims settlement practices are frequent enough to indicate a general business practice?W. Va. Code 33-11-6(c)
When is failing to act reasonably promptly on claim communications an unfair claim settlement practice in West Virginia?W. Va. Code 33-11-4(9)
Which act is defamation under West Virginia's unfair trade practices article?W. Va. Code 33-11-4(3)
Which of these is a listed unfair claim settlement practice in West Virginia?W. Va. Code 33-11-4(9)(d)
How this list was compiled: Own questions, written from the West Virginia Code: Chapter 33 (articles 1, 2, 3, 6, 6A, 6B, 11, 12, 12C, 17, 17A, 20, 20A, 20C, 26, 30, 32, 41 and 44), Chapter 17D (articles 2A and 4), sections 17A-3-3, 23-2-1, 23-2C-15 and 55-7-13c and 55-7-13d, read on 2026-10-14 on the West Virginia Legislature's site (https://code.wvlegislature.gov/33/). Each question names its section and links to it. The topics follow the Property & Casualty, West Virginia Specific content outline (40 scoreable questions plus 8 pretest questions) in the West Virginia Insurance Supplement, Examination Content Outlines, effective June 16, 2026, posted by the West Virginia Offices of the Insurance Commissioner on its Licensing and Education Division page (https://www.wvinsurance.gov/Divisions_Licensing; the outline: https://www.wvinsurance.gov/Portals/0/2026%20Content%20Outline.pdf). The exam facts are from the West Virginia Insurance Candidate Handbook of September 2026, linked on the same page as WV Candidate Handbook. The outline prints the Code sections beside its topics. 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, a study guidebook or an exam question pool.
How it works
This unofficial West Virginia property and casualty practice test asks state law only: 191 of our own questions from the West Virginia Code. Policy forms are not asked. Not affiliated with the Offices of the Insurance Commissioner.
Read the full guide
What the West Virginia part of the exam asks
Of its 40 scored questions the outline gives 17 to the Commissioner, definitions, licensing and producer pay, 6 to unfair trade practices and 8 to automobile insurance. Most of the rest are single questions: insurable interest, binders, rates and forms, the FAIR plan, the guaranty association, malpractice policies and homeowners insurance.
Property and casualty law that is West Virginia’s own
A fire policy on real property is a valued policy. An auto policy two years old may be refused renewal only for listed reasons, unless the insurer chose the one percent method. A third-party claimant's only remedy for an unfair claim practice is a complaint to the Commissioner. The Commissioner's rules are not asked.
Auto cancellation takes 30 days' notice, 14 for unpaid premium; nonrenewal takes 45 (33-6A-1, 33-6A-4).
A binder may be oral; past 90 days it needs the Commissioner's written approval or a rule (33-6-18).
The guaranty association pays up to $300,000 a claim and $10,000 of unearned premium; workers' compensation benefits are paid in full (33-26-8).
Questions and answers
How many questions are on the West Virginia property and casualty exam?
The candidate handbook of September 2026 lists WV Property and Casualty, InsWV-PC03, at 150 questions in 210 minutes. The outline effective June 16, 2026 gives the West Virginia part 40 scored questions and 8 pretest questions.
What score do you need to pass the West Virginia insurance exam?
The handbook gives a passing score of 70 and says it is a scaled score, not the number or percentage of questions answered correctly. Both parts of the exam must be passed within 12 months of the first part passed.
What are West Virginia's minimum auto liability limits?
W. Va. Code 17D-4-2 sets $25,000 for bodily injury to or death of one person, $50,000 for two or more persons in one accident and $25,000 for property damage, since January 1, 2016. Uninsured motorist coverage must be at least as much (33-6-31).
Is mine subsidence insurance required in West Virginia?
W. Va. Code 33-30-6 adds mine subsidence coverage to every policy insuring a structure, at a separately stated premium, unless the insured waives it. In fifteen counties it is added only on request. The deductible runs from $250 to $500.