Free Washington Property Casualty Practice Exam Online

Correct answer: D. 60 days

RCW 48.15.040 requires the surplus line broker to file the certification with the commissioner within 60 days.

• A: 15 days is shorter than the filing period RCW 48.15.040 actually allows for the required certification.
• B: 30 days is shorter than the filing period RCW 48.15.040 actually allows for the required certification.
• C: 45 days is shorter than the filing period RCW 48.15.040 actually allows for the required certification.

Correct answer: A. The vehicle must be insured under a motor vehicle liability policy, or the owner must qualify as self-insured, post a certificate of deposit, or maintain a liability bond.

RCW 46.30.020 lists these four alternatives as the ways a driver may satisfy Washington's financial responsibility requirement to lawfully operate a registered vehicle.

• B: Washington's compulsory insurance law requires liability coverage or an equivalent financial responsibility mechanism, not physical damage coverages such as comprehensive or collision.
• C: Washington drivers are not required to proactively file annual proof of insurance; proof is only required to be displayed when requested during a stop or after a citation.
• D: The Washington Auto Insurance Plan under RCW 48.22.020 is an assigned-risk market for drivers who cannot obtain coverage voluntarily, not a mandatory placement triggered simply by having been at fault in an accident.

Correct answer: B. $25,000

RCW 46.29.490 sets $25,000 as the minimum liability coverage for bodily injury to or death of one person in any one accident.

• A: $50,000 is the Washington minimum for bodily injury or death of two or more persons in one accident, not the per-person limit set by RCW 46.29.490.
• C: $100,000 exceeds the figure actually set by RCW 46.29.490 for the per-person bodily injury minimum in Washington.
• D: $15,000 is below Washington's statutory minimum per-person bodily injury limit of $25,000 under RCW 46.29.490.

Correct answer: C. $50,000

RCW 46.29.490 sets $50,000 as the minimum liability coverage for bodily injury to or death of two or more persons in any one accident.

• A: $25,000 is the per-person bodily injury minimum under RCW 46.29.490, not the minimum for two or more persons injured in the same accident.
• B: $100,000 is higher than the figure RCW 46.29.490 actually requires for two or more persons injured in one accident.
• D: $75,000 does not match the specific dollar figure set by RCW 46.29.490 for this coverage category.

Correct answer: D. $10,000

RCW 46.29.490 sets $10,000 as the minimum liability coverage for injury to or destruction of the property of others in any one accident.

• A: $25,000 corresponds to the per-person bodily injury minimum under RCW 46.29.490, not the property damage minimum.
• B: $50,000 corresponds to the two-or-more-persons bodily injury minimum under RCW 46.29.490, not the property damage minimum.
• C: $5,000 is below the actual minimum property damage limit set by RCW 46.29.490.