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392+ Free WV Property & Casualty Practice Questions

Pass your West Virginia Property & Casualty Insurance Exam exam on the first try — instant access, no signup required.

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2026 Statistics

Key Facts: WV Property & Casualty Exam

150

Exam Questions

Pearson VUE West Virginia Candidate Handbook, June 2024

210 min

Exam Time

Pearson VUE West Virginia Candidate Handbook, June 2024

70 scaled

Passing Score

Pearson VUE West Virginia Candidate Handbook, June 2024

$84

Exam Fee

Pearson VUE West Virginia Candidate Handbook, June 2024

25/50/25

WV Auto Minimums

WV financial responsibility law

40 hrs

Prelicensing

WV OIC resident producer licensing requirements

40

State-Law Questions

Pearson VUE WV content outline effective July 1, 2024

24 hrs

CE per 2 Years

WV producer CE requirement

3 hrs

Ethics CE

WV producer CE requirement

West Virginia's combined P&C exam uses a 150-question Pearson VUE appointment with a 70 scaled passing score and a 210-minute time limit. Candidates need 40 hours of prelicensing education for the combined property/casualty path, 24 hours of CE every 2 years including 3 ethics hours, and solid command of the 40-question West Virginia law section. West Virginia workers' compensation is a competitive market, not a monopolistic state fund.

Sample WV Property & Casualty Practice Questions

Try these sample questions to test your WV Property & Casualty exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 392+ question experience with AI tutoring.

1Which state agency has primary regulatory authority over property and casualty insurance companies and producers in West Virginia?
A.West Virginia Department of Commerce
B.West Virginia Offices of the Insurance Commissioner
C.West Virginia Secretary of State
D.West Virginia Department of Treasury
Explanation: The West Virginia Offices of the Insurance Commissioner (OIC) is the primary regulator of all insurance companies and insurance producers in West Virginia. The Commissioner is appointed by the Governor and oversees licensing, market conduct, and consumer protection. The OIC enforces West Virginia Code Chapter 33, which governs all insurance operations in the state.
2How is the West Virginia Insurance Commissioner selected?
A.Elected by West Virginia voters in a statewide election
B.Appointed by the Governor with Senate confirmation
C.Selected by the West Virginia Legislature
D.Appointed by the National Association of Insurance Commissioners
Explanation: The West Virginia Insurance Commissioner is appointed by the Governor with the advice and consent of the State Senate. Unlike some states where the Commissioner is elected, West Virginia's Commissioner serves at the pleasure of the Governor. This appointment structure ensures the Commissioner is accountable to the executive branch while maintaining regulatory independence.
3How many hours of pre-license education does West Virginia require before a candidate can take the Property & Casualty insurance license exam?
A.20 hours
B.40 hours
C.52 hours
D.60 hours
Explanation: West Virginia requires 20 hours of pre-license education to qualify for the Property & Casualty insurance license exam. This education must be completed through a state-approved provider and covers insurance fundamentals, West Virginia insurance law, and ethics. This is consistent with the state's streamlined approach to producer licensing requirements.
4What is the continuing education requirement for West Virginia property and casualty insurance producers?
A.16 hours every year
B.24 hours every 2 years, including 3 hours of ethics
C.30 hours every 3 years
D.40 hours every 2 years
Explanation: West Virginia requires 24 hours of continuing education every 2 years, including 3 hours dedicated to ethics training. This requirement ensures producers stay current with industry changes and maintain ethical standards. The biennial renewal period aligns with the license renewal cycle ending on the last day of the producer's birth month.
5When must West Virginia insurance producer licenses be renewed?
A.December 31 of each year
B.The last day of the producer's birth month every 2 years
C.On the anniversary of the original license issuance date
D.Every 4 years from the date of initial licensing
Explanation: West Virginia insurance producer licenses must be renewed on the last day of the producer's birth month every 2 years. This birth-month renewal system spreads renewal processing throughout the year rather than creating administrative bottlenecks. Producers must complete all continuing education requirements before submitting their renewal application.
6Which company administers the West Virginia property and casualty insurance licensing exam?
A.Prometric
B.Pearson VUE
C.PSI Services
D.FINRA
Explanation: PSI Services administers the West Virginia property and casualty insurance licensing examinations. PSI offers both remote proctoring options and in-person testing at authorized testing centers. Candidates must complete pre-license education requirements and register with PSI to schedule their examination after receiving authorization from the state.
7What is the passing score required for the West Virginia Property & Casualty insurance licensing exam?
A.60%
B.65%
C.70%
D.75%
Explanation: The West Virginia Property & Casualty insurance licensing exam requires a passing score of 70%. This standard applies to both the national portion and the West Virginia state-specific portion of the examination. Candidates who do not pass must wait the required period before retesting and pay the examination fee again.
8In West Virginia, what is the maximum number of credit hours that can be carried over from one CE compliance period to the next?
A.No carryover is permitted
B.6 hours
C.12 hours
D.24 hours
Explanation: West Virginia allows up to 6 excess credit hours to be carried forward to the next compliance period. However, ethics credits cannot be carried over as ethics credits—they convert to general credits. This provision helps producers who complete extra education avoid losing credit while still requiring them to complete the mandatory ethics portion each period.
9Under West Virginia law, how long must an insurer notify the Insurance Commissioner before appointing a producer?
A.The appointment must be filed within 15 days
B.The appointment must be filed before the producer begins transacting insurance
C.The appointment must be filed within 30 days
D.No notification is required for appointments
Explanation: Insurers must file producer appointments with the West Virginia Insurance Commissioner within 15 days of the producer's contract execution or first insurance transaction. This appointment requirement establishes the agency relationship between the insurer and producer and ensures regulatory oversight of who is authorized to sell insurance on behalf of admitted companies.
10Which of the following individuals is exempt from West Virginia's continuing education requirements?
A.All producers over age 65
B.Producers who have been licensed for more than 25 years
C.Non-resident producers who satisfy their home state's CE requirements
D.Producers who only sell commercial lines
Explanation: Non-resident producers who have satisfied the continuing education requirements of their home state are exempt from West Virginia's CE requirements. This reciprocity provision recognizes that producers licensed in multiple states should not have to duplicate their CE efforts. Resident producers must still complete all West Virginia-specific requirements regardless of age or experience.

About the WV Property & Casualty Exam

West Virginia's Property & Casualty producer exam uses a Pearson VUE combined exam blueprint with national insurance content plus West Virginia-specific regulation, producer licensing requirements, homeowners and commercial property, auto insurance (25/50/25 minimums), workers compensation, general liability, and ethics requirements.

Questions

150 scored questions

Time Limit

3 hours 30 minutes (210 minutes)

Passing Score

70 scaled score

Exam Fee

$84 (WV Offices of the Insurance Commissioner / Pearson VUE)

WV Property & Casualty Exam Content Outline

35%

West Virginia Laws and Regulations

Producer licensing, appointments, renewals, OIC authority, unfair trade practices, and the state-specific P&C rules tested in the 40-question law section

24%

Terms and Related Concepts

Risk, insurable interest, indemnity, insurer types, agency authority, and the core property/casualty concepts that dominate the general-knowledge blueprint

21%

Policy Provisions and Contract Rules

Declarations, insuring agreements, conditions, exclusions, endorsements, cancellation, nonrenewal, and contract interpretation principles

9%

Property Policies

Homeowners, dwelling, commercial property, inland marine, FAIR Plan concepts, and valuation/coinsurance rules

11%

Casualty Policies

Auto insurance (25/50/25 limits), general liability, commercial auto, workers compensation in West Virginia's competitive market, and umbrella concepts

How to Pass the WV Property & Casualty Exam

What You Need to Know

  • Passing score: 70 scaled score
  • Exam length: 150 questions
  • Time limit: 3 hours 30 minutes (210 minutes)
  • Exam fee: $84

Keys to Passing

  • Complete 500+ practice questions
  • Score 80%+ consistently before scheduling
  • Focus on highest-weighted sections
  • Use our AI tutor for tough concepts

WV Property & Casualty Study Tips from Top Performers

1Memorize West Virginia's auto insurance minimums (25/50/25) and understand the state's modified comparative negligence rule (50% bar)
2Study the WV Offices of the Insurance Commissioner's role as the primary insurance regulator and spend disproportionate time on the 40-question state-law section
3Treat the Pearson VUE blueprint as your map: terms/concepts and policy provisions together account for nearly half of the scored general-knowledge questions
4Do not study workers' compensation as if West Virginia were a monopolistic state; know the current competitive-market structure and employer coverage options
5Finish the required 40 hours of prelicensing education before you schedule the combined exam, and keep your PL 789E certificate current
6Understand West Virginia's continuing education requirements: 24 hours biennially with 3 hours of ethics
7Learn about the West Virginia Essential Property Insurance Association (FAIR Plan) for hard-to-place risks

Frequently Asked Questions

How many questions are on the West Virginia Property and Casualty exam?

West Virginia's combined Property & Casualty producer exam uses a 150-question Pearson VUE appointment. The official content outline breaks the scored blueprint into 75 general-knowledge questions and 40 West Virginia state-law questions, with additional pretest items mixed in.

How much time do you get for the West Virginia P&C exam?

The West Virginia Property & Casualty producer exam time limit is 210 minutes (3.5 hours). That longer appointment reflects the combined property and casualty format plus the state-law section.

What are West Virginia's auto insurance minimum requirements?

West Virginia requires minimum auto liability coverage of 25/50/25, which means $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident. These are minimums; higher limits are recommended.

What continuing education is required for West Virginia producers?

West Virginia producers must complete 24 hours of continuing education every 2 years, including 3 hours of ethics training. License renewal is on the last day of the producer's birth month.

What is unique about West Virginia workers' compensation?

West Virginia is not a monopolistic workers' compensation state. Most employers obtain coverage through licensed private carriers, while qualified employers may self-insure or join approved self-insured groups if they meet state requirements.