Washington state Insurance Laws Practice Exam Quiz
What is the minimum amount of bodily injury liability coverage required per person in Washington state?
a) $15,000
b) $25,000
c) $50,000
d) $100,000
Answer: b) $25,000
What is the minimum amount of bodily injury liability coverage required per accident in Washington state?
a) $30,000
b) $50,000
c) $100,000
d) $60,000
Answer: b) $50,000
What is the minimum amount of property damage liability coverage required in Washington state?
a) $25,000
b) $50,000
c) $10,000
d) $100,000
Answer: c) $10,000
In Washington state, what type of insurance is required by law for all drivers?
a) Liability insurance
b) Collision insurance
c) Comprehensive insurance
d) Uninsured motorist insurance
Answer: a) Liability insurance
Washington state follows which type of insurance coverage for car accidents?
a) No-fault
b) Fault-based
c) Comparative fault
d) Hybrid
Answer: b) Fault-based
Which of the following is true about Washington’s “underinsured motorist” coverage?
a) It is mandatory for all drivers
b) It is optional but highly recommended
c) It is automatically included in all policies
d) It applies only to accidents caused by uninsured drivers
Answer: b) It is optional but highly recommended
What does Washington state require for medical payments coverage in car insurance?
a) It is mandatory
b) It is optional and can be added to a policy
c) It is included in all policies
d) It is required only for commercial vehicles
Answer: b) It is optional and can be added to a policy
What is the minimum requirement for personal injury protection (PIP) coverage in Washington state?
a) $10,000
b) $20,000
c) No minimum requirement
d) $5,000
Answer: c) No minimum requirement
What does PIP insurance cover in Washington state?
a) Repairing your car
b) Medical expenses and lost wages
c) Liability for the other driver
d) Legal defense costs
Answer: b) Medical expenses and lost wages
How much coverage is required for uninsured motorist bodily injury coverage per person in Washington state?
a) $15,000
b) $25,000
c) $50,000
d) $100,000
Answer: b) $25,000
How much coverage is required for uninsured motorist bodily injury coverage per accident in Washington state?
a) $25,000
b) $50,000
c) $100,000
d) $75,000
Answer: b) $50,000
What is the main purpose of “collision” insurance?
a) To cover damages to another driver’s property
b) To cover medical expenses for the driver
c) To cover damages to your own vehicle in an accident
d) To cover legal defense fees
Answer: c) To cover damages to your own vehicle in an accident
What is the role of “comprehensive” insurance?
a) It covers injuries to others in an accident
b) It covers damage to your car due to non-collision events like theft or weather
c) It covers the cost of renting a car after an accident
d) It pays for repairs to other vehicles in a crash
Answer: b) It covers damage to your car due to non-collision events like theft or weather
In Washington, which of the following insurance policies is not required by law?
a) Uninsured motorist insurance
b) Bodily injury liability
c) Property damage liability
d) Personal injury protection
Answer: a) Uninsured motorist insurance
If a driver is caught without insurance in Washington, what could be the consequence?
a) A fine and possible suspension of the driver’s license
b) Only a fine
c) Suspension of the vehicle registration
d) Both a and c
Answer: d) Both a and c
What is the maximum penalty for driving without car insurance in Washington state?
a) A fine up to $250
b) A fine up to $500 and possible vehicle impoundment
c) A fine up to $1,000
d) A fine up to $10,000
Answer: b) A fine up to $500 and possible vehicle impoundment
In Washington, what is the required coverage for uninsured motorist property damage?
a) $10,000
b) $25,000
c) $50,000
d) There is no required minimum
Answer: d) There is no required minimum
What is the primary benefit of “gap” insurance?
a) It covers the cost of a rental car after an accident
b) It pays for medical expenses for passengers in your vehicle
c) It covers the difference between the actual cash value of your car and the amount owed on a loan or lease
d) It covers damage to your car caused by another driver
Answer: c) It covers the difference between the actual cash value of your car and the amount owed on a loan or lease
What is the statutory minimum for “bodily injury” liability coverage in Washington state per person?
a) $25,000
b) $35,000
c) $50,000
d) $100,000
Answer: a) $25,000
In Washington, what is the purpose of the “financial responsibility law” in the context of insurance?
a) It ensures that drivers have enough coverage to pay for injuries and property damage
b) It requires drivers to carry minimum amounts of PIP insurance
c) It mandates specific coverage limits for all vehicles
d) It covers the legal defense costs in the event of an accident
Answer: a) It ensures that drivers have enough coverage to pay for injuries and property damage
If you are involved in a car accident in Washington and the other driver is at fault, which type of coverage is needed to pay for damages to your car?
a) Liability insurance
b) Collision insurance
c) Comprehensive insurance
d) PIP insurance
Answer: b) Collision insurance
Which of the following types of insurance is optional in Washington state?
a) Property damage liability
b) Personal injury protection (PIP)
c) Bodily injury liability
d) Uninsured motorist coverage
Answer: b) Personal injury protection (PIP)
What is the minimum insurance coverage required to drive a car legally in Washington?
a) $10,000 for property damage
b) $25,000 for bodily injury per person
c) $50,000 for bodily injury per accident
d) All of the above
Answer: d) All of the above
How can you avoid a citation for not having car insurance in Washington state?
a) Purchase minimum liability insurance coverage
b) Have proof of financial responsibility, such as a bond or certificate of self-insurance
c) Maintain full coverage insurance
d) Both a and b
Answer: d) Both a and b
What is the minimum required amount of uninsured motorist property damage coverage in Washington state?
a) $10,000
b) $25,000
c) $50,000
d) None, it’s optional
Answer: d) None, it’s optional
How long does a driver in Washington have to show proof of insurance after being involved in an accident?
a) 24 hours
b) 30 days
c) 45 days
d) 10 days
Answer: b) 30 days
In Washington, a driver’s insurance policy must include what type of coverage in order to comply with state law?
a) Minimum bodily injury liability
b) Collision coverage
c) Comprehensive coverage
d) Gap insurance
Answer: a) Minimum bodily injury liability
If a driver in Washington state has a lapse in insurance coverage, how long do they have to reinstate it before facing penalties?
a) 15 days
b) 30 days
c) 60 days
d) 90 days
Answer: b) 30 days
In Washington, what must an insurer do if a customer fails to pay their premium on time?
a) Wait for 30 days before sending a notice
b) Immediately cancel the policy without warning
c) Send a notice of cancellation after a 10-day grace period
d) Report the non-payment to the Department of Licensing
Answer: c) Send a notice of cancellation after a 10-day grace period
If an insured driver in Washington state is involved in an accident with an underinsured motorist, what type of coverage helps pay for the damages?
a) Collision coverage
b) Underinsured motorist coverage
c) Comprehensive coverage
d) Liability insurance
Answer: b) Underinsured motorist coverage
What is the penalty for driving without the required minimum insurance in Washington state?
a) Fine up to $500 and vehicle impoundment
b) Fine up to $100 and license suspension
c) Fine up to $1,000 and jail time
d) License suspension only
Answer: a) Fine up to $500 and vehicle impoundment
What does Washington’s “No Fault” insurance law state?
a) It applies only in accidents involving property damage
b) It requires drivers to rely on their own insurance for medical bills, regardless of fault
c) It requires all drivers to carry personal injury protection (PIP)
d) It applies to drivers of commercial vehicles only
Answer: b) It requires drivers to rely on their own insurance for medical bills, regardless of fault
What type of insurance is included in the “basic auto insurance” in Washington state?
a) Only bodily injury liability
b) Only property damage liability
c) Bodily injury and property damage liability
d) Collision and comprehensive coverage
Answer: c) Bodily injury and property damage liability
Which of the following must a Washington state driver provide proof of at the time of an accident?
a) Proof of insurance coverage
b) Proof of financial responsibility
c) A valid driver’s license
d) All of the above
Answer: d) All of the above
In Washington, which insurance coverage is necessary to cover injuries to pedestrians involved in a car accident?
a) Uninsured motorist coverage
b) Collision coverage
c) Liability coverage
d) Personal injury protection (PIP)
Answer: d) Personal injury protection (PIP)
In the event of an accident with a driver who has no insurance, which type of coverage will help pay for damages in Washington?
a) Collision coverage
b) Liability coverage
c) Uninsured motorist coverage
d) Comprehensive coverage
Answer: c) Uninsured motorist coverage
What must a Washington driver do if involved in a hit-and-run accident?
a) File a police report within 24 hours
b) Wait for the other driver to contact you
c) Pay for repairs out of pocket
d) Immediately report to the insurance company and provide evidence
Answer: a) File a police report within 24 hours
In Washington, how long must a car insurance company retain records of insurance policies?
a) 3 years
b) 5 years
c) 7 years
d) 10 years
Answer: b) 5 years
What is the minimum required coverage for uninsured motorist property damage in Washington state?
a) $5,000
b) $10,000
c) $25,000
d) $50,000
Answer: b) $10,000
What is the maximum amount a Washington driver can be fined for driving without insurance?
a) $250
b) $500
c) $1,000
d) $2,500
Answer: b) $500
In Washington, if a car insurance policy is canceled for non-payment, how long does the insurer have to notify the insured before cancellation?
a) 3 days
b) 10 days
c) 15 days
d) 30 days
Answer: b) 10 days
What must be included in the minimum liability coverage for a driver in Washington state?
a) Comprehensive and collision coverage
b) Bodily injury liability and property damage liability
c) Personal injury protection and medical payments
d) Uninsured motorist coverage
Answer: b) Bodily injury liability and property damage liability
If a Washington state driver is involved in an accident with a driver who only has the minimum insurance required, which type of insurance can help cover additional damages?
a) Comprehensive coverage
b) Underinsured motorist coverage
c) Collision coverage
d) Liability coverage
Answer: b) Underinsured motorist coverage
What does Washington state require for a driver to legally operate a vehicle?
a) Proof of personal injury protection insurance
b) Proof of financial responsibility
c) Proof of collision insurance
d) Proof of comprehensive insurance
Answer: b) Proof of financial responsibility
If a driver in Washington state opts for the minimum required coverage and causes a major accident, what can happen?
a) The driver’s insurance will automatically cover all damages
b) The driver may have to pay for damages out-of-pocket
c) The driver will not be held responsible for damages
d) The insurance company will cover both personal and vehicle damages
Answer: b) The driver may have to pay for damages out-of-pocket
In Washington, what happens if a driver is unable to provide proof of insurance at the time of a traffic stop?
a) The driver will be allowed to continue driving
b) The vehicle may be impounded and a fine issued
c) The driver will receive a warning and a fine
d) The driver will have their license suspended immediately
Answer: b) The vehicle may be impounded and a fine issued
In Washington, if a vehicle has been impounded due to lack of insurance, how long does the owner have to provide proof of insurance to retrieve the vehicle?
a) 5 days
b) 10 days
c) 15 days
d) 30 days
Answer: b) 10 days
If a driver’s license is suspended in Washington for failing to maintain the required minimum insurance, when can the driver apply for reinstatement?
a) After 30 days
b) After 90 days
c) After paying a reinstatement fee
d) After providing proof of insurance and paying a reinstatement fee
Answer: d) After providing proof of insurance and paying a reinstatement fee
Which of the following is covered under the liability insurance requirement in Washington?
a) Injury to the driver’s own passengers
b) Damage to your own vehicle
c) Injury to another person involved in the accident
d) Repair costs for your car after an accident
Answer: c) Injury to another person involved in the accident
What happens if a Washington driver fails to renew their auto insurance policy?
a) The driver’s registration will be suspended
b) The driver will receive a fine but no suspension
c) The driver’s vehicle will be impounded immediately
d) There are no consequences unless the driver is involved in an accident
Answer: a) The driver’s registration will be suspended
Which of the following is a reason a driver might be required to provide proof of insurance to the Department of Licensing in Washington?
a) Involvement in an accident
b) Payment of a traffic ticket
c) A citation for failing to carry a valid insurance card
d) All of the above
Answer: d) All of the above
Which coverage is recommended for someone who frequently drives in high-traffic areas in Washington state?
a) Liability coverage only
b) Collision and comprehensive coverage
c) Uninsured motorist coverage only
d) Personal injury protection (PIP)
Answer: b) Collision and comprehensive coverage
In Washington, what is the responsibility of a driver after an accident to avoid further penalties?
a) Exchange insurance and personal information with all involved parties
b) Immediately seek medical treatment
c) Wait for the insurance adjuster to arrive
d) Report the accident to the insurance company only
Answer: a) Exchange insurance and personal information with all involved parties
Which of the following insurance coverages is required by law in Washington state, even if you do not have a loan on your vehicle?
a) Liability insurance
b) Collision insurance
c) Comprehensive insurance
d) Medical payments coverage
Answer: a) Liability insurance
What type of coverage should a Washington driver consider to help cover damages caused by a natural disaster or vandalism?
a) Collision coverage
b) Comprehensive coverage
c) Liability coverage
d) Uninsured motorist coverage
Answer: b) Comprehensive coverage
In Washington, what type of coverage pays for medical expenses regardless of who is at fault in an accident?
a) Liability insurance
b) Personal injury protection (PIP)
c) Uninsured motorist coverage
d) Collision coverage
Answer: b) Personal injury protection (PIP)
What must a driver do in Washington if their car is involved in an accident with an uninsured motorist?
a) Report the accident to the police immediately
b) File a claim with their own insurance under uninsured motorist coverage
c) Only report to their insurance company if the other driver is at fault
d) Both a and b
Answer: d) Both a and b
If a Washington driver has a lapse in insurance coverage, what might happen to their vehicle registration?
a) It may be suspended until proof of insurance is provided
b) The vehicle will be impounded automatically
c) A fine will be issued but the registration remains intact
d) The registration is not affected
Answer: a) It may be suspended until proof of insurance is provided
What is the primary purpose of the Washington state insurance requirements for auto accidents?
a) To ensure that drivers can pay for damages caused by accidents
b) To provide insurance for the driver’s medical expenses
c) To protect insurance companies from large claims
d) To encourage drivers to purchase luxury cars
Answer: a) To ensure that drivers can pay for damages caused by accidents
What happens if a Washington driver does not carry insurance and is involved in an accident?
a) Their vehicle will be impounded until they provide proof of insurance
b) They will be personally responsible for all damages
c) The accident will be automatically covered by the state
d) Their license and registration will be automatically reinstated
Answer: b) They will be personally responsible for all damages
What is the minimum required coverage for bodily injury liability in Washington state?
a) $25,000 per person, $50,000 per accident
b) $50,000 per person, $100,000 per accident
c) $100,000 per person, $300,000 per accident
d) $500,000 per person, $1,000,000 per accident
Answer: a) $25,000 per person, $50,000 per accident
Which of the following is NOT a required coverage for a car insurance policy in Washington state?
a) Liability insurance
b) Personal injury protection (PIP)
c) Uninsured motorist property damage
d) Comprehensive insurance
Answer: d) Comprehensive insurance
In Washington, what must a driver do if involved in a car accident and there are injuries?
a) Exchange insurance and driver information
b) Report the accident to the police immediately
c) Provide medical assistance to the injured parties
d) All of the above
Answer: d) All of the above
If a Washington driver fails to pay their auto insurance premium, what is the maximum fine they could face for driving without insurance?
a) $250
b) $500
c) $750
d) $1,000
Answer: b) $500
Which of the following does personal injury protection (PIP) cover in Washington state?
a) Damage to your vehicle
b) Property damage to others’ vehicles
c) Medical expenses for you and your passengers
d) Damage caused by an uninsured motorist
Answer: c) Medical expenses for you and your passengers
What is the required minimum amount of uninsured motorist bodily injury coverage in Washington state?
a) $10,000 per person, $20,000 per accident
b) $25,000 per person, $50,000 per accident
c) $50,000 per person, $100,000 per accident
d) There is no required minimum for uninsured motorist coverage
Answer: b) $25,000 per person, $50,000 per accident
What is the minimum required property damage liability coverage in Washington state?
a) $5,000
b) $10,000
c) $25,000
d) $50,000
Answer: b) $10,000
Which of the following can be used to reduce the cost of car insurance in Washington state?
a) Increasing the deductible on your policy
b) Having a clean driving record
c) Installing anti-theft devices in the vehicle
d) All of the above
Answer: d) All of the above
How long is the grace period for car insurance payment in Washington state before a policy is canceled?
a) 5 days
b) 10 days
c) 15 days
d) 30 days
Answer: b) 10 days
If a Washington driver is found at fault in an accident, who is responsible for the medical expenses under the state’s insurance laws?
a) The at-fault driver’s insurance
b) The injured driver’s insurance
c) The state government
d) Both parties share the costs equally
Answer: a) The at-fault driver’s insurance
What does Washington’s “No Fault” insurance system mean for drivers?
a) All drivers are responsible for their own damages, regardless of fault
b) Drivers must prove the other party’s fault to receive compensation
c) Only the injured party can file a claim
d) Drivers can only file claims with their own insurance company
Answer: a) All drivers are responsible for their own damages, regardless of fault
In Washington, who can file a claim for personal injury protection (PIP) benefits?
a) The driver only
b) The driver and any passengers in the vehicle
c) Only the insured driver’s family
d) Only the passengers in the vehicle
Answer: b) The driver and any passengers in the vehicle
What type of damages does underinsured motorist coverage in Washington state protect against?
a) Damage to your vehicle caused by another driver
b) Medical costs exceeding the at-fault driver’s insurance limits
c) Property damage to your home
d) Damage caused by uninsured motorist accidents only
Answer: b) Medical costs exceeding the at-fault driver’s insurance limits
When must a Washington driver submit proof of insurance to the Department of Licensing?
a) When renewing their driver’s license
b) After being involved in an accident
c) If they are caught driving without insurance
d) All of the above
Answer: d) All of the above
What is the purpose of the SR-22 insurance filing in Washington state?
a) To confirm that a driver has minimum required auto insurance
b) To provide coverage for a driver’s uninsured motorist claim
c) To assist in obtaining lower premiums
d) To cover damages when driving with an expired policy
Answer: a) To confirm that a driver has minimum required auto insurance
What happens if an uninsured motorist causes an accident in Washington?
a) The at-fault driver is not financially responsible for damages
b) The injured driver’s personal injury protection (PIP) may cover the medical bills
c) The injured driver can only seek compensation from the state fund
d) The state will automatically pay for all damages
Answer: b) The injured driver’s personal injury protection (PIP) may cover the medical bills
Which of the following is NOT covered by Washington’s minimum auto insurance requirement?
a) Injury to another driver
b) Injury to a pedestrian
c) Injury to the driver’s own passengers
d) Damage to another person’s vehicle
Answer: c) Injury to the driver’s own passengers
What is the effect of failing to maintain insurance coverage in Washington state?
a) The driver will receive a warning letter
b) The vehicle registration may be suspended
c) The driver will face jail time
d) The driver will be required to retake the driving test
Answer: b) The vehicle registration may be suspended
What must a Washington driver do if involved in an accident with a hit-and-run driver?
a) Wait at the scene for the police
b) File a police report within 24 hours
c) Pay for all damages out of pocket
d) None of the above
Answer: b) File a police report within 24 hours
What is the penalty for driving without insurance for the second time in Washington?
a) A warning and a fine
b) Suspension of driving privileges
c) A larger fine and possible vehicle impoundment
d) Jail time
Answer: c) A larger fine and possible vehicle impoundment
Which of the following is true regarding personal injury protection (PIP) in Washington?
a) It covers medical bills for injuries caused by the policyholder, but not passengers
b) It provides coverage only for medical bills and not for lost wages
c) It provides coverage for injuries regardless of who is at fault
d) It is not required but highly recommended
Answer: c) It provides coverage for injuries regardless of who is at fault
Which type of insurance is NOT mandatory for vehicles registered in Washington state?
a) Uninsured motorist coverage
b) Liability insurance
c) Personal injury protection (PIP)
d) Collision insurance
Answer: d) Collision insurance
What is the maximum limit for personal injury protection (PIP) coverage in Washington state?
a) $10,000
b) $25,000
c) $35,000
d) $50,000
Answer: a) $10,000
In Washington, if a driver is involved in an accident while uninsured, what happens to their driver’s license?
a) It is revoked immediately
b) They may be issued a temporary permit to drive
c) It may be suspended until proof of insurance is provided
d) No action is taken unless the accident involves injuries
Answer: c) It may be suspended until proof of insurance is provided
Which type of car insurance covers damages to your car after an accident, regardless of fault, in Washington state?
a) Liability insurance
b) Collision insurance
c) Personal injury protection (PIP)
d) Uninsured motorist coverage
Answer: b) Collision insurance
Which of the following will NOT affect the cost of car insurance in Washington state?
a) Driving history
b) Age of the driver
c) Type of vehicle
d) Type of tires used on the vehicle
Answer: d) Type of tires used on the vehicle
What does comprehensive car insurance cover in Washington?
a) Medical bills for the driver
b) Damage to the car caused by natural disasters or vandalism
c) Liability for others’ damages
d) All of the above
Answer: b) Damage to the car caused by natural disasters or vandalism
Which of the following statements about uninsured motorist insurance is true in Washington state?
a) It is mandatory
b) It only covers property damage, not injuries
c) It provides protection for accidents caused by drivers with no insurance
d) It is optional and does not affect the policyholder’s premiums
Answer: c) It provides protection for accidents caused by drivers with no insurance
What type of auto insurance is required for a commercial vehicle operating in Washington?
a) Commercial auto insurance
b) Personal injury protection
c) Comprehensive and collision insurance
d) Only liability coverage
Answer: a) Commercial auto insurance
How can a driver in Washington state ensure they are meeting the state’s auto insurance requirements?
a) By providing the insurance company with proof of policy
b) By carrying an insurance card in the vehicle at all times
c) By verifying insurance coverage through the Department of Licensing
d) All of the above
Answer: d) All of the above
What is the main purpose of uninsured motorist coverage in Washington state?
a) To pay for damage to the insured vehicle
b) To cover medical expenses for the insured and passengers when the other driver has no insurance
c) To reduce car insurance premiums
d) To provide liability coverage for the insured
Answer: b) To cover medical expenses for the insured and passengers when the other driver has no insurance
What happens if you fail to maintain the minimum auto insurance required in Washington state?
a) Your vehicle registration may be suspended
b) Your driving privileges may be revoked
c) You could face a fine
d) All of the above
Answer: d) All of the above
In Washington, if you are involved in a car accident and the other driver is underinsured, what can you claim under your insurance?
a) Damage to your vehicle
b) Medical expenses exceeding the at-fault driver’s coverage limits
c) Property damage to your home
d) All of the above
Answer: b) Medical expenses exceeding the at-fault driver’s coverage limits
What is the minimum liability coverage required for bodily injury per person in Washington state?
a) $10,000
b) $25,000
c) $50,000
d) $100,000
Answer: b) $25,000
Which of the following would NOT be covered under Washington’s Personal Injury Protection (PIP) coverage?
a) Medical expenses
b) Lost wages
c) Property damage
d) Funeral expenses
Answer: c) Property damage
What is required for proof of insurance in Washington state?
a) A copy of your insurance policy
b) An insurance identification card from your insurer
c) A signed affidavit of insurance
d) None of the above
Answer: b) An insurance identification card from your insurer
In Washington state, if a driver is found at fault for an accident, what type of insurance will cover the damages to the other driver’s vehicle?
a) Collision insurance
b) Liability insurance
c) Uninsured motorist coverage
d) Personal injury protection (PIP)
Answer: b) Liability insurance
Which of the following is a requirement for a driver’s auto insurance in Washington state?
a) Comprehensive coverage
b) Liability insurance
c) Collision coverage
d) Gap insurance
Answer: b) Liability insurance
If you are involved in an accident in Washington and your vehicle is totaled, what type of insurance will pay for the damage to your vehicle?
a) Liability insurance
b) Collision insurance
c) Personal injury protection (PIP)
d) Comprehensive insurance
Answer: b) Collision insurance
How much coverage is required for property damage liability in Washington state?
a) $10,000
b) $20,000
c) $50,000
d) $100,000
Answer: a) $10,000
What is the effect of a hit-and-run accident in Washington on the insurance claim process?
a) The injured driver cannot file a claim
b) The injured driver’s uninsured motorist coverage can be used
c) The insurance company will automatically cover all damages
d) The at-fault driver is legally obligated to pay for damages
Answer: b) The injured driver’s uninsured motorist coverage can be used
How can a Washington driver reduce their car insurance premiums?
a) Installing an anti-theft device
b) Maintaining a clean driving record
c) Increasing the deductible
d) All of the above
Answer: d) All of the above
What is the minimum amount of uninsured motorist property damage coverage required in Washington state?
a) $5,000
b) $10,000
c) $25,000
d) $50,000
Answer: b) $10,000
When a car accident occurs, which of the following information must be exchanged between drivers under Washington law?
a) Insurance information
b) Name and address
c) Driver’s license number
d) All of the above
Answer: d) All of the above
In Washington, how long does an insurance company have to provide coverage after a car accident?
a) 30 days
b) 45 days
c) 60 days
d) 90 days
Answer: a) 30 days
In Washington, if you have been involved in a car accident with an uninsured driver, which type of coverage would help pay for your medical expenses?
a) Uninsured motorist coverage
b) Comprehensive coverage
c) Personal injury protection (PIP)
d) Collision coverage
Answer: c) Personal injury protection (PIP)
What happens if you are caught driving without car insurance in Washington state?
a) You could face a fine and have your license suspended
b) You are allowed to drive without insurance if no accidents occur
c) Your vehicle will be impounded
d) There is no penalty for driving uninsured
Answer: a) You could face a fine and have your license suspended
What is the main purpose of liability insurance in Washington state?
a) To cover damage to your own car after an accident
b) To cover medical expenses for you and your passengers
c) To cover damages to other drivers or property if you’re at fault in an accident
d) To cover theft of your vehicle
Answer: c) To cover damages to other drivers or property if you’re at fault in an accident
What is the minimum amount of bodily injury liability coverage required for each person injured in an accident in Washington state?
a) $10,000
b) $25,000
c) $50,000
d) $100,000
Answer: b) $25,000
What does collision coverage insure in Washington state?
a) Medical expenses for injuries caused by an accident
b) Damage to another driver’s vehicle
c) Damage to your vehicle after an accident, regardless of fault
d) Damage caused by a hit-and-run driver
Answer: c) Damage to your vehicle after an accident, regardless of fault
In Washington, is personal injury protection (PIP) mandatory or optional?
a) Mandatory
b) Optional
Answer: a) Mandatory
In Washington, which type of insurance is considered “no-fault”?
a) Liability insurance
b) Personal injury protection (PIP)
c) Collision insurance
d) Uninsured motorist insurance
Answer: b) Personal injury protection (PIP)
What is the role of the Department of Licensing in Washington regarding car insurance?
a) To monitor insurance claims
b) To enforce insurance requirements and suspend registration for non-compliance
c) To offer discounts on insurance policies
d) To investigate accidents
Answer: b) To enforce insurance requirements and suspend registration for non-compliance
What is the primary purpose of comprehensive coverage in Washington auto insurance policies?
a) To cover medical expenses for you and your passengers
b) To pay for damages caused by accidents with other drivers
c) To cover damage to your vehicle caused by non-collision events, such as vandalism or weather
d) To cover bodily injury damages to others
Answer: c) To cover damage to your vehicle caused by non-collision events, such as vandalism or weather
What is the impact of a conviction for driving without insurance in Washington state?
a) The driver will have to pay for all accident-related damages out of pocket
b) The driver’s license and vehicle registration may be suspended
c) The driver will be forced to take a driving test
d) The driver will automatically receive the minimum required insurance
Answer: b) The driver’s license and vehicle registration may be suspended
What type of insurance is required for drivers who operate commercial vehicles in Washington state?
a) Personal injury protection (PIP)
b) Comprehensive insurance
c) Commercial auto insurance
d) Collision insurance
Answer: c) Commercial auto insurance
What is the minimum amount of coverage required for uninsured motorist bodily injury in Washington state?
a) $25,000 per person, $50,000 per accident
b) $50,000 per person, $100,000 per accident
c) $100,000 per person, $300,000 per accident
d) There is no required minimum
Answer: a) $25,000 per person, $50,000 per accident
What is one way a Washington driver can meet the state’s minimum auto insurance requirements?
a) Purchase comprehensive insurance
b) Purchase liability insurance
c) Purchase only uninsured motorist coverage
d) Purchase medical payments insurance
Answer: b) Purchase liability insurance
What should a driver do if they are involved in a car accident in Washington and there is damage to property or injuries?
a) Leave the scene immediately
b) Contact their insurance company after the accident
c) Provide assistance to the other driver but do not call the police
d) Wait for the other driver to take action
Answer: b) Contact their insurance company after the accident
When is it acceptable to drive without car insurance in Washington?
a) When the vehicle is not used frequently
b) When the driver has a clean driving record
c) When the driver holds an SR-22 certificate
d) It is never acceptable to drive without insurance in Washington
Answer: d) It is never acceptable to drive without insurance in Washington
Which of the following is true about Washington’s minimum auto insurance requirements?
a) Drivers are not required to have auto insurance if their vehicle is paid off
b) Washington requires drivers to carry liability insurance for bodily injury and property damage
c) Only commercial vehicles need insurance in Washington
d) Washington has no minimum coverage requirements for car insurance
Answer: b) Washington requires drivers to carry liability insurance for bodily injury and property damage
What is the minimum coverage required for bodily injury liability in Washington for injuries to more than one person?
a) $25,000
b) $50,000
c) $100,000
d) $200,000
Answer: b) $50,000
Under Washington state law, which of the following is typically covered by Personal Injury Protection (PIP)?
a) Property damage
b) Medical expenses for the insured and their passengers
c) Damages caused by a hit-and-run driver
d) Towing costs
Answer: b) Medical expenses for the insured and their passengers
What type of insurance provides coverage for injuries caused by an uninsured driver in Washington state?
a) Collision insurance
b) Uninsured motorist coverage
c) Personal injury protection (PIP)
d) Comprehensive insurance
Answer: b) Uninsured motorist coverage
What is Washington’s requirement for uninsured motorist property damage coverage?
a) There is no requirement for uninsured motorist property damage coverage in Washington
b) $5,000
c) $10,000
d) $25,000
Answer: a) There is no requirement for uninsured motorist property damage coverage in Washington
What does collision coverage pay for under Washington auto insurance laws?
a) Injuries sustained by passengers in an accident
b) Damages to your vehicle after an accident, regardless of fault
c) The medical expenses for the at-fault driver
d) Property damage to others
Answer: b) Damages to your vehicle after an accident, regardless of fault
What can happen if a driver is caught operating a vehicle without valid insurance in Washington?
a) They will receive a warning but no penalties
b) They could face fines and their vehicle registration could be suspended
c) They will be required to take an insurance course
d) Their driving privileges will not be affected
Answer: b) They could face fines and their vehicle registration could be suspended
What is required for someone to legally drive in Washington without insurance?
a) A signed waiver from the Department of Licensing
b) Proof of financial responsibility, such as a bond or certificate of deposit
c) Proof of a clean driving record for at least five years
d) Nothing; anyone can legally drive without insurance if they choose
Answer: b) Proof of financial responsibility, such as a bond or certificate of deposit
Which of the following is considered a non-collision event that would be covered under comprehensive coverage in Washington?
a) A crash with another vehicle
b) Theft of the vehicle
c) Damages to another vehicle
d) Medical bills for an injury
Answer: b) Theft of the vehicle
How much bodily injury liability coverage does Washington require per person in an accident?
a) $10,000
b) $25,000
c) $50,000
d) $100,000
Answer: b) $25,000
How does Washington’s “no-fault” insurance law affect the claims process?
a) It eliminates the need to determine fault in an accident
b) It allows the driver to sue the other party for all damages
c) It allows drivers to only sue for property damage
d) It requires all drivers to pay out-of-pocket for medical expenses
Answer: a) It eliminates the need to determine fault in an accident
In Washington, if your car is stolen, which type of insurance would typically cover the loss?
a) Liability insurance
b) Collision insurance
c) Comprehensive insurance
d) Uninsured motorist coverage
Answer: c) Comprehensive insurance
If you have a car accident in Washington, what information must you provide to the other driver?
a) Driver’s license number, vehicle registration, and proof of insurance
b) Proof of insurance and contact information only
c) Personal contact information and accident details
d) Only proof of insurance
Answer: a) Driver’s license number, vehicle registration, and proof of insurance
What type of insurance is necessary for rental car coverage in Washington?
a) Collision coverage
b) Rental car insurance
c) Liability insurance
d) Personal injury protection (PIP)
Answer: a) Collision coverage
What is Washington’s law regarding insurance for teen drivers?
a) Teen drivers are not required to have insurance until age 18
b) Teen drivers must be covered under their parent’s or guardian’s policy
c) Teen drivers must carry their own liability insurance
d) Teen drivers are exempt from insurance requirements
Answer: b) Teen drivers must be covered under their parent’s or guardian’s policy
What must you do if you are involved in an accident and you cannot locate the other driver in Washington?
a) Wait for the other driver to return
b) Report the accident to law enforcement and file a hit-and-run report
c) Assume no fault and leave the scene
d) Contact your insurance company but do not report it to law enforcement
Answer: b) Report the accident to law enforcement and file a hit-and-run report
How does the Department of Licensing ensure that drivers comply with Washington’s car insurance laws?
a) By requiring periodic insurance renewals
b) By random checks at roadside inspections
c) By verifying insurance when vehicles are registered or during traffic stops
d) By requiring drivers to report accidents to the state
Answer: c) By verifying insurance when vehicles are registered or during traffic stops
What happens if an insurance company denies a claim for an accident in Washington?
a) The driver is automatically liable for all damages
b) The insured has the right to appeal the decision and request a review
c) The claim can be filed through the state’s uninsured motorist coverage
d) The insured must accept the decision with no recourse
Answer: b) The insured has the right to appeal the decision and request a review
Under Washington’s auto insurance law, what is the effect of having comprehensive coverage?
a) It covers damage to your car caused by accidents with other vehicles
b) It covers damage to your car from events like vandalism, fire, or weather
c) It provides coverage for medical expenses and lost wages
d) It provides liability coverage for damages caused to others
Answer: b) It covers damage to your car from events like vandalism, fire, or weather
What is the recommended way to reduce the chances of your claim being denied in Washington?
a) Always have full coverage on your car
b) Maintain an accurate driving record and report any accidents promptly
c) Only drive during the day to reduce accidents
d) Avoid filing claims for minor accidents
Answer: b) Maintain an accurate driving record and report any accidents promptly
What type of coverage is usually included under Washington’s standard auto insurance policy to cover medical expenses for injuries from an accident?
a) Liability coverage
b) Personal injury protection (PIP)
c) Collision coverage
d) Comprehensive coverage
Answer: b) Personal injury protection (PIP)
If a Washington driver has an accident while driving without insurance, what is the maximum fine they could face?
a) $250
b) $500
c) $1,000
d) $5,000
Answer: c) $1,000
How long do you have to report a car accident to your insurance company in Washington?
a) Within 24 hours
b) Within 30 days
c) Within 7 days
d) Within 1 week
Answer: a) Within 24 hours
What happens if you fail to maintain your car insurance policy in Washington?
a) You may face fines, penalties, and registration suspension
b) You can still drive if you don’t get into an accident
c) You can switch insurance providers without any consequences
d) There are no consequences for letting insurance lapse
Answer: a) You may face fines, penalties, and registration suspension
Can you use your personal health insurance to cover injuries from a car accident in Washington?
a) Yes, but it is secondary to your auto insurance
b) No, you must rely only on auto insurance
c) Yes, personal health insurance covers all auto accidents
d) No, personal health insurance does not cover auto accidents
Answer: a) Yes, but it is secondary to your auto insurance
When must you show proof of insurance in Washington state?
a) When you register your vehicle
b) When renewing your vehicle registration
c) During a traffic stop or if involved in an accident
d) All of the above
Answer: d) All of the above
What is one benefit of purchasing additional uninsured motorist coverage in Washington?
a) It helps pay for damages to your vehicle caused by weather events
b) It covers medical expenses and property damage caused by uninsured drivers
c) It covers the cost of replacing your vehicle after an accident
d) It reduces your overall insurance premiums
Answer: b) It covers medical expenses and property damage caused by uninsured drivers
What are the consequences of driving with an expired insurance policy in Washington state?
a) The driver may face a fine and license suspension
b) The driver will be given a warning only
c) The driver must purchase new insurance immediately
d) There are no consequences for expired insurance
Answer: a) The driver may face a fine and license suspension
In Washington, which type of insurance covers damages to the insured vehicle from a collision with another vehicle?
a) Personal injury protection (PIP)
b) Collision insurance
c) Comprehensive insurance
d) Liability insurance
Answer: b) Collision insurance
What is the minimum amount of coverage required for property damage liability in Washington state?
a) $10,000
b) $20,000
c) $50,000
d) $100,000
Answer: a) $10,000
Under Washington law, which of the following is true about Personal Injury Protection (PIP) coverage?
a) It covers only medical expenses for the driver
b) It is optional for drivers in Washington
c) It covers medical expenses for the driver and passengers, regardless of fault
d) It covers only lost wages
Answer: c) It covers medical expenses for the driver and passengers, regardless of fault
Which of the following does liability insurance in Washington state NOT cover?
a) Property damage to another driver
b) Injuries to passengers in your car
c) Injuries to pedestrians caused by your car
d) Injuries to another driver in an accident caused by you
Answer: b) Injuries to passengers in your car
What does Washington state law say about insurance for motorcycles?
a) Motorcycles must be insured with the same minimum coverage as cars
b) Motorcycles have no insurance requirements
c) Motorcycles are exempt from liability insurance but require comprehensive insurance
d) Motorcycles need only liability insurance for property damage
Answer: a) Motorcycles must be insured with the same minimum coverage as cars
Which of the following is covered under Washington’s underinsured motorist coverage?
a) Damages to your vehicle caused by an uninsured driver
b) Medical expenses for passengers in your vehicle after an accident
c) Property damage to others’ vehicles in an accident caused by you
d) Damages to your vehicle caused by a driver with insufficient insurance
Answer: d) Damages to your vehicle caused by a driver with insufficient insurance
In Washington, what is the minimum coverage for uninsured motorist bodily injury per person?
a) $10,000
b) $25,000
c) $50,000
d) $100,000
Answer: b) $25,000
What is Washington’s requirement for insurance when a driver has a foreign-registered vehicle?
a) The driver is not required to have insurance
b) The driver must have insurance from their home country
c) The driver must have insurance that meets Washington’s minimum requirements
d) The driver is required to purchase a separate policy from Washington insurers
Answer: c) The driver must have insurance that meets Washington’s minimum requirements
How often must Washington drivers show proof of insurance when renewing their vehicle registration?
a) Every year
b) Every two years
c) Proof is not required for registration renewal
d) Every three years
Answer: a) Every year
Which of the following coverage types would you need in Washington to cover a rental car in case of an accident?
a) Collision coverage
b) Uninsured motorist coverage
c) Personal injury protection (PIP)
d) Rental car insurance
Answer: a) Collision coverage
Which coverage would pay for damage to another person’s car in a collision caused by you in Washington?
a) Liability insurance
b) Comprehensive coverage
c) Collision coverage
d) Personal injury protection (PIP)
Answer: a) Liability insurance
Under Washington law, what happens if an accident occurs and the driver does not have liability insurance?
a) The driver will face a fine and be required to carry insurance in the future
b) The driver will be allowed to continue driving without penalties
c) The accident will be handled solely by the other driver’s insurance
d) The insurance company will automatically pay the claims regardless of fault
Answer: a) The driver will face a fine and be required to carry insurance in the future
What is the minimum required property damage liability coverage in Washington state?
a) $5,000
b) $10,000
c) $25,000
d) $50,000
Answer: b) $10,000
Which of the following is required for Washington state drivers who wish to self-insure?
a) Proof of a clean driving record for five years
b) A bond or certificate of deposit as proof of financial responsibility
c) Insurance through a private provider with a minimum coverage
d) A waiver from the Department of Licensing
Answer: b) A bond or certificate of deposit as proof of financial responsibility
What happens to a Washington driver’s insurance policy if they are caught driving without valid insurance?
a) The driver is automatically enrolled in a government insurance plan
b) The insurance company is required to cancel the driver’s policy
c) The driver’s vehicle registration can be suspended
d) The driver is only given a warning
Answer: c) The driver’s vehicle registration can be suspended
What type of coverage will help cover damage to your car when it’s hit by a falling tree in Washington?
a) Collision coverage
b) Comprehensive coverage
c) Personal injury protection (PIP)
d) Property damage liability
Answer: b) Comprehensive coverage
How does Washington state law address drivers who have more than one accident in a short period of time?
a) Their insurance premiums may increase
b) They may face mandatory community service
c) They are automatically required to take a defensive driving course
d) They are prohibited from purchasing new insurance
Answer: a) Their insurance premiums may increase
If a Washington driver causes an accident and their car is totaled, which insurance would cover the loss?
a) Personal injury protection (PIP)
b) Liability insurance
c) Collision insurance
d) Comprehensive insurance
Answer: c) Collision insurance
What is the main function of the Washington Insurance Commissioner’s Office regarding car insurance?
a) To issue insurance policies to individuals
b) To provide free insurance coverage for all Washington drivers
c) To enforce insurance laws and protect consumers
d) To set insurance rates for each provider
Answer: c) To enforce insurance laws and protect consumers
If a Washington driver refuses to carry auto insurance, what penalties can they face?
a) Only a fine for not having coverage
b) A fine, vehicle registration suspension, and possible driving suspension
c) A mandatory jail sentence
d) They are allowed to continue driving without consequences
Answer: b) A fine, vehicle registration suspension, and possible driving suspension
Which of the following is required to file an uninsured motorist claim in Washington state?
a) Proof of the other driver’s insurance
b) Police report of the accident
c) A letter from your health insurance provider
d) Proof of your own insurance coverage
Answer: b) Police report of the accident
When is it legal for a driver in Washington to refuse to provide proof of insurance during a traffic stop?
a) If the driver has a clean driving record
b) If the driver has filed for bankruptcy
c) It is never legal to refuse to provide proof of insurance
d) Only if the driver is not at fault for the accident
Answer: c) It is never legal to refuse to provide proof of insurance
Which of the following does uninsured motorist insurance cover in Washington?
a) Damage to your car in the event of an accident with an uninsured driver
b) Injuries caused by an accident that was your fault
c) Damage to your car from weather events
d) Property damage to another driver’s car in an accident
Answer: a) Damage to your car in the event of an accident with an uninsured driver
What is Washington state’s policy on rental car insurance coverage?
a) Renters must buy additional coverage from the rental car company
b) Renters must rely on their own insurance policy for coverage
c) Rental car companies provide full coverage for all renters
d) Renters are not required to purchase any insurance
Answer: b) Renters must rely on their own insurance policy for coverage
Which of the following coverage types would be included in a Washington driver’s comprehensive insurance?
a) Repair costs after an accident
b) Medical expenses for injured passengers
c) Damage from a hailstorm or vandalism
d) Property damage to others
Answer: c) Damage from a hailstorm or vandalism
In Washington, if a driver causes an accident and has no insurance, what can the injured party do?
a) File a claim with their own insurer if they have uninsured motorist coverage
b) Take the at-fault driver to small claims court
c) Wait for the government to compensate them
d) File a claim with the state’s insurance fund
Answer: a) File a claim with their own insurer if they have uninsured motorist coverage
What is the minimum amount of liability coverage required in Washington for property damage?
a) $5,000
b) $10,000
c) $25,000
d) $50,000
Answer: b) $10,000
If a Washington driver is involved in an accident and found at fault, which coverage is used to repair their own vehicle?
a) Liability insurance
b) Collision insurance
c) Personal injury protection (PIP)
d) Uninsured motorist coverage
Answer: b) Collision insurance
What is Washington’s policy regarding the use of insurance companies’ settlement offers for car accidents?
a) You must accept the insurance company’s first settlement offer
b) Insurance companies are not allowed to settle claims under any circumstances
c) You have the right to negotiate or reject the initial settlement offer
d) The settlement amount is determined by a court ruling
Answer: c) You have the right to negotiate or reject the initial settlement offer
What is the primary purpose of personal injury protection (PIP) insurance in Washington?
a) To cover repairs to your vehicle
b) To cover medical expenses for injuries caused by an accident, regardless of fault
c) To cover property damage to another driver’s vehicle
d) To cover legal fees for court cases involving auto accidents
Answer: b) To cover medical expenses for injuries caused by an accident, regardless of fault
What is the minimum amount of coverage required for bodily injury liability in Washington for one person?
a) $10,000
b) $25,000
c) $50,000
d) $100,000
Answer: b) $25,000
If a Washington driver has comprehensive insurance, which of the following is likely to be covered?
a) Repair costs after a collision with another car
b) Injuries to pedestrians caused by the driver
c) Damage from a natural disaster like a flood
d) Legal fees for a court case
Answer: c) Damage from a natural disaster like a flood
In Washington, which of the following would trigger a requirement for uninsured motorist coverage?
a) A driver with expired registration
b) An accident caused by a driver with insufficient or no insurance
c) A collision with another insured vehicle
d) A parking lot accident
Answer: b) An accident caused by a driver with insufficient or no insurance
Which of the following situations is covered by Washington’s personal injury protection (PIP)?
a) Injuries sustained by the driver’s passengers
b) Damages to another driver’s vehicle
c) Property damage to the driver’s own car
d) Repair costs for a stolen vehicle
Answer: a) Injuries sustained by the driver’s passengers
What does Washington law require drivers to do when involved in an accident with a parked car?
a) Leave a note with insurance information
b) Call the police immediately
c) Leave the scene without contacting anyone
d) Only call the other driver’s insurance
Answer: a) Leave a note with insurance information
Which of the following is NOT a valid way to show proof of insurance in Washington?
a) An insurance card
b) A temporary proof of insurance document
c) A verbal statement from your insurer
d) An electronic insurance verification
Answer: c) A verbal statement from your insurer
What type of coverage would a Washington driver need to pay for medical expenses following an accident, regardless of fault?
a) Liability insurance
b) Uninsured motorist coverage
c) Personal injury protection (PIP)
d) Comprehensive insurance
Answer: c) Personal injury protection (PIP)
What is the required minimum coverage for bodily injury liability for two or more people in Washington?
a) $25,000
b) $50,000
c) $75,000
d) $100,000
Answer: b) $50,000
Which of the following is true about collision coverage in Washington state?
a) It is required by law for all drivers
b) It covers the cost of repairing your vehicle if it is damaged in a collision
c) It covers property damage to others in an accident
d) It covers medical expenses for injuries caused by an accident
Answer: b) It covers the cost of repairing your vehicle if it is damaged in a collision
How does Washington state law treat drivers who repeatedly fail to carry insurance?
a) They are issued a permanent license suspension
b) They must pay a fine for each violation
c) They are given a warning each time without penalties
d) They face suspension of their vehicle registration and a fine
Answer: d) They face suspension of their vehicle registration and a fine
If a Washington driver is found at fault in an accident but does not have sufficient liability insurance, what is the result for the at-fault driver?
a) The insurance company will cover the damages
b) The at-fault driver will be personally responsible for paying the damages
c) The at-fault driver’s insurance will automatically cover the accident
d) The government will compensate the injured party
Answer: b) The at-fault driver will be personally responsible for paying the damages
Which of the following is NOT required to file a claim under Washington’s uninsured motorist insurance?
a) The other driver must have been uninsured
b) You must prove the accident was caused by the other driver’s negligence
c) The accident must be reported to law enforcement
d) You must have collision insurance
Answer: d) You must have collision insurance
What must a driver in Washington do if their car is impounded for not having insurance?
a) Pay the impound fees
b) Provide proof of insurance to retrieve the car
c) Obtain a new vehicle registration
d) Appear in court before retrieving the car
Answer: b) Provide proof of insurance to retrieve the car
Which of the following types of coverage is optional in Washington state?
a) Liability insurance
b) Uninsured motorist coverage
c) Personal injury protection (PIP)
d) Comprehensive insurance
Answer: d) Comprehensive insurance
Which insurance type would help a Washington driver pay for repair costs after a non-collision incident, such as hitting an animal?
a) Collision coverage
b) Liability insurance
c) Comprehensive coverage
d) Personal injury protection (PIP)
Answer: c) Comprehensive coverage
What does Washington state law require for proof of insurance at a traffic stop?
a) A written statement from your insurer
b) A valid insurance card or electronic proof of coverage
c) A letter from your employer verifying your coverage
d) A police report of the accident
Answer: b) A valid insurance card or electronic proof of coverage
What is the penalty for not having liability insurance in Washington when involved in an accident?
a) A fine and suspension of registration
b) Jail time
c) A warning with no penalties
d) A surcharge on future insurance premiums
Answer: a) A fine and suspension of registration
Which of the following is covered by Washington’s uninsured motorist coverage?
a) Repair costs for the at-fault driver’s car
b) Medical expenses for the insured after an accident with an uninsured driver
c) Damage to the insured’s car after a collision with an uninsured driver
d) Only property damage to others
Answer: b) Medical expenses for the insured after an accident with an uninsured driver
What is the minimum required property damage liability in Washington state?
a) $5,000
b) $10,000
c) $25,000
d) $50,000
Answer: b) $10,000
What is the role of the Washington state Insurance Commissioner?
a) To provide insurance coverage to residents
b) To monitor insurance rates and practices within the state
c) To determine which insurance companies can operate in the state
d) To offer discounts to safe drivers
Answer: b) To monitor insurance rates and practices within the state
Which of the following is required to drive legally in Washington?
a) Proof of vehicle ownership
b) Proof of auto insurance
c) A driver’s license from another state
d) A registration certificate
Answer: b) Proof of auto insurance
What does Washington’s minimum liability coverage not cover?
a) Medical expenses for injuries to the other driver
b) Property damage to the other driver’s car
c) Injuries to the insured driver
d) Medical expenses for the driver’s passengers
Answer: c) Injuries to the insured driver
What does collision insurance cover under Washington state law?
a) Damage caused by fire or theft
b) Injuries to the insured driver
c) Damage to the insured vehicle from a collision with another vehicle or object
d) Damage caused by a natural disaster
Answer: c) Damage to the insured vehicle from a collision with another vehicle or object
If a Washington driver is caught driving without insurance, what must they do to reinstate their driving privileges?
a) Pay a fine and prove insurance coverage
b) Take a defensive driving course
c) Pass a driving test
d) Submit to a drug test
Answer: a) Pay a fine and prove insurance coverage
What is the minimum requirement for bodily injury liability coverage for two people injured in a car accident in Washington?
a) $25,000
b) $50,000
c) $75,000
d) $100,000
Answer: b) $50,000
How does Washington law address underinsured motorist coverage?
a) It is optional for drivers but recommended
b) It is required by law for all drivers
c) It is required only if the driver chooses PIP insurance
d) It is not available in Washington state
Answer: a) It is optional for drivers but recommended
Which of the following is NOT covered by uninsured motorist coverage in Washington?
a) Injuries to passengers in the insured’s vehicle
b) Damage to the insured’s vehicle from an uninsured driver
c) Medical expenses for the insured
d) Legal fees for the insured in a lawsuit
Answer: d) Legal fees for the insured in a lawsuit
What happens if a Washington driver’s insurance is canceled due to non-payment?
a) The driver is immediately prohibited from driving
b) The driver is required to pay a fine
c) The driver can still drive legally with a temporary license
d) The driver must provide proof of new insurance before driving again
Answer: d) The driver must provide proof of new insurance before driving again
Which of the following is required to be covered under Washington’s auto insurance laws?
a) Personal injury protection (PIP)
b) Liability insurance for bodily injury
c) Comprehensive coverage
d) Roadside assistance
Answer: b) Liability insurance for bodily injury
What is the minimum amount of property damage liability required for drivers in Washington?
a) $5,000
b) $10,000
c) $25,000
d) $50,000
Answer: b) $10,000
Which of the following would not be covered under Washington’s personal injury protection (PIP)?
a) Emergency medical expenses for the driver
b) Lost wages due to injuries
c) Property damage to the insured vehicle
d) Medical expenses for the insured’s passengers
Answer: c) Property damage to the insured vehicle
What does Washington law specify regarding underinsured motorist coverage (UIM)?
a) It is mandatory for all drivers
b) It is optional and recommended for drivers to add
c) It is automatically included with all insurance policies
d) It only applies to accidents involving public transport
Answer: b) It is optional and recommended for drivers to add
What type of insurance is NOT legally required in Washington?
a) Uninsured motorist coverage
b) Personal injury protection (PIP)
c) Bodily injury liability insurance
d) Property damage liability insurance
Answer: a) Uninsured motorist coverage
Which of the following will result in a driver being issued an SR-22 form in Washington?
a) A DUI conviction
b) Missing an insurance payment
c) A speeding ticket
d) Involvement in an accident with an uninsured driver
Answer: a) A DUI conviction
In Washington, if you are involved in an accident with an underinsured driver, which insurance might help cover the difference?
a) Personal injury protection (PIP)
b) Underinsured motorist coverage (UIM)
c) Liability insurance
d) Collision insurance
Answer: b) Underinsured motorist coverage (UIM)
Which of the following is required by Washington law for drivers who operate a vehicle with a lienholder?
a) Proof of liability coverage
b) Proof of collision coverage
c) Proof of comprehensive coverage
d) Proof of personal injury protection (PIP)
Answer: a) Proof of liability coverage
What action can a Washington driver take to avoid insurance penalties after their coverage lapses?
a) Pay a fine
b) Provide proof of new insurance immediately
c) Take a defensive driving course
d) Wait for 30 days without penalty
Answer: b) Provide proof of new insurance immediately
What is the required bodily injury liability coverage in Washington for a single person injured in an accident?
a) $10,000
b) $25,000
c) $50,000
d) $100,000
Answer: b) $25,000
What does Washington’s “no-fault” insurance system mean?
a) Drivers are always responsible for their own damages, regardless of fault
b) Drivers are not required to carry insurance
c) Insurance companies automatically assign fault to one driver
d) Drivers do not have to prove fault to receive compensation for injuries
Answer: d) Drivers do not have to prove fault to receive compensation for injuries
If you are involved in an accident in Washington, which of the following must you do by law?
a) File a police report within 24 hours
b) Call your insurance company immediately
c) Provide proof of insurance to the other driver
d) Report the accident to your state’s Department of Licensing
Answer: c) Provide proof of insurance to the other driver
Which of the following is NOT considered part of Washington’s mandatory auto insurance coverage?
a) Liability coverage for property damage
b) Bodily injury liability insurance
c) Uninsured motorist coverage
d) Roadside assistance
Answer: d) Roadside assistance
How does Washington law treat insurance fraud?
a) It is punished with fines and possible imprisonment
b) It results in a temporary suspension of the driver’s license
c) It is a civil matter only, not a criminal offense
d) It does not apply to automobile insurance
Answer: a) It is punished with fines and possible imprisonment
What does uninsured motorist (UM) coverage in Washington cover?
a) Damage to the insured vehicle caused by an uninsured driver
b) Medical expenses for the uninsured driver
c) Only property damage to the insured vehicle
d) Bodily injury to others caused by the insured
Answer: a) Damage to the insured vehicle caused by an uninsured driver
What is the maximum amount of coverage for personal injury protection (PIP) under Washington law?
a) $10,000
b) $25,000
c) $50,000
d) $100,000
Answer: a) $10,000
What type of insurance helps pay for the damage to the insured’s car after a non-collision event, such as a tree falling on it?
a) Liability insurance
b) Collision coverage
c) Comprehensive coverage
d) Personal injury protection (PIP)
Answer: c) Comprehensive coverage
What happens if a Washington driver fails to carry the minimum required insurance?
a) The driver will have to pay a fine or face a suspension of their vehicle’s registration
b) The driver’s insurance company will cover any accident damages
c) The driver can only drive with a temporary license
d) The driver will automatically be insured by the state
Answer: a) The driver will have to pay a fine or face a suspension of their vehicle’s registration
In Washington, when does liability insurance typically apply?
a) When the driver is at fault in an accident and damages another person’s property
b) Only in cases of personal injury
c) Only when the driver is uninsured
d) For medical expenses related to the driver’s injuries
Answer: a) When the driver is at fault in an accident and damages another person’s property
How long does a driver in Washington have to submit proof of insurance after an accident to avoid penalties?
a) 24 hours
b) 5 days
c) 10 days
d) 30 days
Answer: b) 5 days
Which of the following types of auto insurance is mandatory in Washington?
a) Collision insurance
b) Liability insurance
c) Comprehensive coverage
d) Uninsured motorist coverage
Answer: b) Liability insurance
What is the maximum amount of property damage liability required under Washington law?
a) $25,000
b) $50,000
c) $100,000
d) $10,000
Answer: d) $10,000
In Washington, what should a driver do if they are involved in a hit-and-run accident?
a) Leave the scene immediately
b) Attempt to chase the other driver
c) Report the accident to the police and provide insurance information
d) Pay for all damages out of pocket
Answer: c) Report the accident to the police and provide insurance information
In Washington, how long can a driver go without auto insurance before their registration is suspended?
a) 30 days
b) 60 days
c) 90 days
d) 10 days
Answer: a) 30 days