Property & Casualty Insurance Producer (Virginia)

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team

TL;DR

Property & Casualty Insurance Producer (Virginia): a 182-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily content.naic.org (81%) and Code of Virginia Sec. (15%) of this exam's citations.

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3

full papers, no repeats

50

questions per paper

182

questions in the bank

What this exam covers

Casualty Insurance: Liability and Commercial General Liability14%
Claims, Loss Settlement, Underwriting, Risk Control, and Reinsurance14%
Insurance Contracts, Policy Structure, and Risk Concepts14%
Personal Auto, Commercial Auto, Workers Compensation, and Umbrella14%
Producer Ethics, Advertising, Licensing Duties, and General Regulation14%
Property Insurance: Homeowners, Dwelling, and Commercial Property14%
Virginia Auto Insurance Law5%
Virginia Property Insurance Regulation4%
Virginia Rate Regulation Filing2%
Virginia Surplus Lines3%
Virginia Unfair Claims Settlement Practices3%

5 real sample questions

Effective July 1, 2024, Virginia Code Sec. 46.2-706 was amended to remove a long-standing feature of Virginia auto insurance law. Under the CURRENT law, what must every applicant for motor vehicle registration in Virginia do?

A. Furnish the Department of Motor Vehicles a certificate that the vehicle is covered by an insured motor vehicle liability policy, because the prior option to register an uninsured vehicle by paying a fee in lieu of insurance has been eliminated

B. Either carry liability insurance or pay an annual uninsured motor vehicle fee to the DMV in lieu of insurance, since Virginia has always allowed drivers to buy their way out of coverage

C. Post a $50,000 surety bond with the SCC Bureau of Insurance as an alternative to purchasing a liability policy

D. Obtain liability coverage only if the vehicle will be driven outside Virginia, since Virginia has never required in-state liability coverage

Source: Code of Virginia Sec. 46.2-706

For policies effective on or after January 1, 2025, what are Virginia's minimum automobile liability insurance limits under Code of Virginia Sec. 46.2-472?

A. $30,000 bodily injury per person / $60,000 per accident / $20,000 property damage

B. $50,000 bodily injury per person / $100,000 per accident / $25,000 property damage

C. $25,000 bodily injury per person / $50,000 per accident / $10,000 property damage

D. $100,000 bodily injury per person / $300,000 per accident / $50,000 property damage

Source: Code of Virginia Sec. 46.2-472

Under Code of Virginia Sec. 38.2-2206, what is distinctive about uninsured motorist (UM) coverage on an automobile liability policy issued in Virginia?

A. UM coverage is entirely optional and must be purchased as a separate endorsement at the applicant's request

B. UM coverage limits are always capped at the statutory minimum regardless of the liability limits purchased

C. UM coverage must automatically be included in every liability policy issued in the Commonwealth, in an amount equal to the policy's liability limits, unless the named insured affirmatively rejects it in writing

D. UM coverage applies only to policies purchased through the Virginia Automobile Insurance Plan

Source: Code of Virginia Sec. 38.2-2206

What is the Virginia Automobile Insurance Plan (VAIP), established under Code of Virginia Sec. 46.2-464?

A. A fund that reimburses insurers for uncollectible premiums on cancelled policies

B. A state-run insurer that directly writes and underwrites all high-risk Virginia auto policies itself

C. A voluntary discount program for drivers with a clean record

D. A residual market mechanism, created in 1945, that assigns drivers unable to obtain coverage in the voluntary market to licensed insurers so they can obtain a policy

Source: Code of Virginia Sec. 46.2-464

As a general rule under Code of Virginia Sec. 38.2-2212, how many days advance notice must an insurer give before cancelling or refusing to renew a Virginia auto liability policy?

A. At least 45 days after the notice is mailed or delivered to the insured

B. At least 10 days, with no exceptions

C. At least 90 days, matching the homeowners notice period

D. No advance notice is required for auto policies

Source: Code of Virginia Sec. 38.2-2212

Same exam, other states

AL AR AZ CO CT IA IN KS KY LA MA MD MI MN MO MS NC NJ NV OK OR SC TN UT WA WI

Real-world data for this exam

Insurance Sales Agents: real median wage (VA)May 2025$60,520/yr

Frequently asked questions

How many questions are on the CertQuestUSA Property & Casualty Insurance Producer (Virginia) practice test?

182 questions total, split into 3 full papers of 50 each with no repeats across papers.

What topics does the Property & Casualty Insurance Producer (Virginia) test cover?

11 domains, with the heaviest weight on Casualty Insurance: Liability and Commercial General Liability (14%), Claims, Loss Settlement, Underwriting, Risk Control, and Reinsurance (14%), and Insurance Contracts, Policy Structure, and Risk Concepts (14%).

Where do CertQuestUSA's Property & Casualty Insurance Producer (Virginia) questions come from?

Primarily content.naic.org (81%) and Code of Virginia Sec. (15%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.

Is there a free diagnostic for Property & Casualty Insurance Producer (Virginia)?

Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.