Practice Test- Property and Casualty Insurance Washington State Exam
Questions And 100% Correct Answers |Graded A+ (2026/2027)
Which part of the CGL designates who is an insured?
1.
conditions
2.
declarations
3.
definitions
4.
insuring agreement - Answer -declarations
Which of the following is considered a hired auto under the commercial auto policy symbol 8?
1.
any auto the insured owns and rents
2.
autos rented or borrowed from employees
3.
autos the insured leases, borrows or rents
4.
any auto the insured will use during the policy period - Answer -autos the insured leases,
borrows or rents
1|Page
,Which coverage forms are used when the insured sustains loss of revenue due to direct physical
loss from a peril insured against that forces the insured to suspend operations during the period
of restoration?
1.
Causes of Loss forms
2.
Business Income Coverage forms
3.
Suspension forms
4.
Commercial Casualty forms - Answer -Business Income Coverage forms
When an insured is driving his covered automobile causes an accident that results in injury, his
automobile medical payments will pay medical expenses for all of the following EXCEPT
1.
the insured?s own injuries.
2.
the brother's injury, an occupant in insured?s vehicle.
3.
his daughter's injuries, an occupant in insured?s vehicle.
4.
any occupant of the other not at fault vehicle. - Answer -any occupant of the other not at fault
vehicle
2|Page
,All of the following are considered an insured under Part A liability coverage, of the personal
auto policy EXCEPT
1.
owners of a vehicle the insured is using.
2.
employer while insured is driving a company car.
3.
anyone using the insured?s car with permission.
4.
others to the extent that they share liability with the insured. - Answer -employer while insured
is driving a company car
Which of the following is an example of replacement cost valuation?
1.
fair market value of item at time of loss
2.
actual cash value of item at time of loss
3.
cost new without depreciation at the time of loss
4.
cost of functional value of item at time of loss - Answer -cost new without depreciation at the
time of loss
All of the following would be eligible expenses after a loss under Coverage E Additional Living
Expense EXCEPT
3|Page
, 1.
laundry expense.
2.
mortgage expenses.
3.
restaurant dining expenses.
4.
storage expenses. - Answer -mortgage expenses
Which of the following hazards is an example of a physical hazard?
1.
burning debris near the building on a calm sunny day
2.
leaving the shed unlocked at night because contents are insured
3.
backing into the garage door because you want insurance to pay for a new one
4.
leaving the keys in the car and doors unlocked - Answer -burning debris near the building on a
calm sunny day
Determining adequate indemnification after a loss is a principle duty of which of the following?
1.
agent
2.
4|Page
Questions And 100% Correct Answers |Graded A+ (2026/2027)
Which part of the CGL designates who is an insured?
1.
conditions
2.
declarations
3.
definitions
4.
insuring agreement - Answer -declarations
Which of the following is considered a hired auto under the commercial auto policy symbol 8?
1.
any auto the insured owns and rents
2.
autos rented or borrowed from employees
3.
autos the insured leases, borrows or rents
4.
any auto the insured will use during the policy period - Answer -autos the insured leases,
borrows or rents
1|Page
,Which coverage forms are used when the insured sustains loss of revenue due to direct physical
loss from a peril insured against that forces the insured to suspend operations during the period
of restoration?
1.
Causes of Loss forms
2.
Business Income Coverage forms
3.
Suspension forms
4.
Commercial Casualty forms - Answer -Business Income Coverage forms
When an insured is driving his covered automobile causes an accident that results in injury, his
automobile medical payments will pay medical expenses for all of the following EXCEPT
1.
the insured?s own injuries.
2.
the brother's injury, an occupant in insured?s vehicle.
3.
his daughter's injuries, an occupant in insured?s vehicle.
4.
any occupant of the other not at fault vehicle. - Answer -any occupant of the other not at fault
vehicle
2|Page
,All of the following are considered an insured under Part A liability coverage, of the personal
auto policy EXCEPT
1.
owners of a vehicle the insured is using.
2.
employer while insured is driving a company car.
3.
anyone using the insured?s car with permission.
4.
others to the extent that they share liability with the insured. - Answer -employer while insured
is driving a company car
Which of the following is an example of replacement cost valuation?
1.
fair market value of item at time of loss
2.
actual cash value of item at time of loss
3.
cost new without depreciation at the time of loss
4.
cost of functional value of item at time of loss - Answer -cost new without depreciation at the
time of loss
All of the following would be eligible expenses after a loss under Coverage E Additional Living
Expense EXCEPT
3|Page
, 1.
laundry expense.
2.
mortgage expenses.
3.
restaurant dining expenses.
4.
storage expenses. - Answer -mortgage expenses
Which of the following hazards is an example of a physical hazard?
1.
burning debris near the building on a calm sunny day
2.
leaving the shed unlocked at night because contents are insured
3.
backing into the garage door because you want insurance to pay for a new one
4.
leaving the keys in the car and doors unlocked - Answer -burning debris near the building on a
calm sunny day
Determining adequate indemnification after a loss is a principle duty of which of the following?
1.
agent
2.
4|Page
