West Virginia property and casualty practice exam
Free property and casualty practice for the West Virginia producer exam: 367 general questions plus 16 West Virginia state law questions, each with an explanation.
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Studying for Life and Health? West Virginia life and health practice exam
Getting your West Virginia property and casualty license
West Virginia requires an approved pre-licensing course before the exam. The combined Pearson VUE property and casualty exam has 150 questions in 210 minutes, and you need a 70 to pass.
- Exam provider
- Pearson VUE
- Exam fee
- $84 per exam
- Exam format
- Property and casualty: 90 questions in 120 minutes each, or 150 questions in 210 minutes as one combined exam. Passing score: 70.
- Passing score
- 70 on a scaled score
- Pre-licensing education
- Required. Bring your certificate of course completion to the test center.
- Retakes
- Up to 8 attempts per line of authority. Wait 24 hours before booking again.
How to plan your retake
Retake rules by state - After you pass
- Get licensed within one year, or you must repeat pre-licensing and retake the exam
- Continuing education
- 24 hours each license period, including at least 3 hours of ethics
Official links
- West Virginia Offices of the Insurance Commissioner - official state insurance department
- Pearson VUE, West Virginia Insurance Candidate Handbook (Sep 2026) - exam provider information
Licensing facts checked on , against official sources. Fees and rules change, so confirm with the West Virginia Offices of the Insurance Commissioner and your exam's candidate handbook before you register.
West Virginia state law questions
Every West Virginia question with its answer, explanation, and the law it comes from.
Licensing and CE
2 questions
1. How many hours of continuing education must a West Virginia resident producer complete in each biennium?
- 20 hours, including 2 hours of ethics
- 30 hours, including 3 hours of ethics
- 24 hours, with no ethics hours required
- 24 hours, including 3 hours of ethics
Show answer
The Offices of the Insurance Commissioner require 24 hours of approved continuing education, at least 3 of them in ethics.
2. What is the minimum number of ethics hours within a West Virginia producer's required continuing education?
- 1 hour
- 2 hours
- 3 hours
- 4 hours
Show answer
At least 3 hours must come from courses approved in ethics, and only courses categorized as ethics count toward this minimum.
Auto Insurance
2 questions
1. Since January 1, 2016, what is the minimum bodily injury liability limit for one person in one accident under West Virginia law?
- $15,000
- $25,000
- $20,000
- $30,000
Show answer
W. Va. Code 17D-4-2 raised the minimums from 20/40/10 to $25,000 per person, $50,000 per accident, and $25,000 property damage.
2. Under W. Va. Code 17D-4-2, what is the minimum property damage liability limit for any one accident?
- $25,000
- $10,000
- $15,000
- $20,000
Show answer
The 2016 amendment raised the property damage minimum from $10,000 to $25,000.
Cancellation and Nonrenewal
5 questions
1. After a West Virginia automobile policy has been in effect 60 days, how much notice must the insurer generally give of its intention to cancel?
- 10 days
- 14 days
- 45 days
- 30 days
Show answer
W. Va. Code 33-6A-1(b) requires thirty days' notice, with the effective date and a written reason.
2. How much notice must a West Virginia automobile insurer give when cancelling a policy for nonpayment of premium?
- At least 14 days
- At least 5 days
- At least 10 days
- At least 30 days
Show answer
W. Va. Code 33-6A-1(c) requires at least fourteen days' notice for nonpayment, counted from the mailing date.
3. If the initial premium on a West Virginia automobile policy is not paid, the insurer must send written notice that the policy will be voided absent payment within how many days?
- 5 days
- 14 days
- 10 days
- 30 days
Show answer
W. Va. Code 33-6A-1(d) makes the policy voidable from issuance and requires notice of voiding absent payment within ten days.
4. How much advance notice must a West Virginia insurer give the named insured of its election not to renew an automobile policy?
- At least 14 days
- At least 45 days
- At least 30 days
- At least 60 days
Show answer
W. Va. Code 33-6A-4(a) requires at least forty-five days' advance notice, which must state the specific reasons.
5. Under W. Va. Code 33-17A-4, how long before the end of the policy period must an insurer give notice of nonrenewal of a property insurance policy?
- At least 10 days
- At least 14 days
- At least 60 days
- At least 30 days
Show answer
Section 33-17A-4(c) requires notice at least 30 days before the policy period ends, with an explanation of the specific reasons.
Residual Markets
2 questions
1. What is the maximum coverage the West Virginia FAIR Plan offers for each private dwelling?
- $200,000
- $100,000
- $300,000
- $500,000
Show answer
The Insurance Commissioner's site states the plan offers up to $200,000 per private dwelling and $500,000 per commercial property.
2. Which coverage is NOT available through the West Virginia FAIR Plan?
- Fire and lightning coverage
- Liability coverage
- Wind and hail coverage
- Smoke and explosion coverage
Show answer
The plan is limited to essential property coverage and the Commissioner's page states that liability coverage is not available.
Guaranty Association
2 questions
1. Under W. Va. Code 33-26-8, what is the most the guaranty association pays per claim on covered claims other than workers' compensation and unearned premium?
- $100,000
- $250,000
- $300,000
- $500,000
Show answer
Under subsection (a)(1)(C), the association's obligation on all other covered claims is capped at $300,000 per claim, and it may never pay more than the insolvent insurer owed under the policy; workers' compensation benefits are paid in full under (a)(1)(A).
2. What is the maximum the West Virginia guaranty association pays per policy on a covered claim for return of unearned premium?
- $1,000
- $5,000
- $25,000
- $10,000
Show answer
W. Va. Code 33-26-8 limits unearned premium claims to an amount not exceeding $10,000 per policy.
Workers Compensation
2 questions
1. Under W. Va. Code 23-4-6, temporary total disability is paid at what percentage of the average weekly wage earnings?
- 66 and two-thirds percent
- 50 percent
- 60 percent
- 75 percent
Show answer
The weekly benefit is 66 2/3 percent of average weekly wage earnings, capped at 100 percent of the state average weekly wage.
2. Under W. Va. Code 23-4-5, an award is allowed for the first three days of disability if the disability continues beyond how many days?
- 3 days
- 7 days
- 5 days
- 14 days
Show answer
If disability ends within three days of leaving work, no award is made for them. If it continues beyond seven days, an award covers the first three days.
Claims Practices
1 question
1. Under W. Va. Code 33-11-4(9), a claim should not remain unsettled and unpaid beyond how many calendar days after proof of loss, absent a legitimate dispute or fraud?
- 30 calendar days
- 45 calendar days
- 90 calendar days
- 60 calendar days
Show answer
After 90 days the insurer owes a penalty added to the claim as interest at the prime rate plus one percent, unless the Commissioner finds a legitimate dispute or fraud.
Key West Virginia terms
15 plain-English cards on West Virginia insurance law, from the West Virginia flashcard deck.
Auto Insurance
- West Virginia minimum auto liability limits
- Required limits are $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage.
Cancellation and Nonrenewal
- West Virginia protected auto cancellation grounds
- After 60 days, or immediately on renewal, private passenger liability policies may be canceled only for listed statutory reasons.
- West Virginia ordinary auto cancellation notice
- Auto liability cancellation generally requires 30 days' notice, except nonpayment and initial-premium voidance rules.
- West Virginia auto nonpayment cancellation notice
- Nonpayment cancellation requires at least 14 days' notice; the period begins on the mailing date.
- West Virginia unpaid initial auto premium
- The policy may be voided from issuance if the initial premium remains unpaid after written notice allowing 10 days to pay.
- West Virginia auto nonrenewal notice
- Auto liability or physical damage nonrenewal requires at least 45 days' advance notice to the named insured.
- West Virginia property declination explanation
- For property subject to article 17A, the applicant must receive specific written reasons when coverage is declined.
- West Virginia property cancellation contents
- Written cancellation notice must state the effective date and specific reasons and be delivered or sent by first class mail.
- West Virginia property renewal intention notice
- For property under article 17A, send or deliver notice of renewal intentions at least 30 days before the policy period ends.
Guaranty Association
- West Virginia ordinary P&C guaranty limit
- Other covered claims are capped at $300,000 per claim and cannot exceed the insolvent insurer's policy obligation.
- West Virginia guaranty unearned premium limit
- Covered return-of-unearned-premium claims are capped at $10,000 per policy.
- West Virginia guaranty workers compensation scope
- Covered workers compensation benefits are paid in full, but deliberate-intention claims have a $300,000 per-claim cap.
- West Virginia guaranty claim filing cutoff
- File by the earlier of 25 months after final liquidation or the court's final deadline for claims against the liquidator or receiver.
Workers Compensation
- West Virginia disability waiting period
- No disability compensation is paid for the first three days unless disability lasts more than seven days; then those days are paid.
Claims Practices
- West Virginia insurer complaint record retention
- Insurers must keep complete complaint records from their last examination, including classification, disposition and processing time.
Keep studying
The general topics make up most of the exam.
West Virginia exam questions
Do I need a pre-licensing course for property and casualty in West Virginia?
Yes. You must complete an approved program of study and present the certificate of completion at the test center.Source: Pearson VUE, West Virginia Insurance Candidate Handbook (Sep 2026)
How many times can I take the West Virginia exam?
Up to eight attempts for each line of authority, set by West Virginia Code 33-12-5. Wait 24 hours before booking a retake.Source: Pearson VUE, West Virginia Insurance Candidate Handbook (Sep 2026)
Do I need fingerprints for a West Virginia license?
Yes. Applicants for a resident license submit fingerprints for a state and federal criminal background check.Source: Pearson VUE, West Virginia Insurance Candidate Handbook (Sep 2026)
How much of the West Virginia property and casualty exam is state law?
State law is usually around 20 to 30 percent of a state's producer exam. Check the West Virginia candidate handbook from your testing provider for the exact content outline.
What does the West Virginia state law section cover?
Common areas include licensing and continuing education, auto liability minimums, cancellation and nonrenewal notice rules, and the guaranty fund. This page covers: Licensing and CE, Auto Insurance, Cancellation and Nonrenewal, Residual Markets, Guaranty Association, Workers Compensation, Claims Practices.
Where do these state questions come from?
Each state question is written from the state's statutes, regulations, or insurance department guidance, and the source is linked under the answer so you can read it yourself.
Do I still need the general questions?
Yes. Most of the exam is general property and casualty knowledge. The full exam option here mixes 367 general questions with the West Virginia state law questions.