West Virginia Adjusters Practice Exam

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Study for the West Virginia Adjusters Exam with confidence. Utilize our comprehensive quiz platform that includes multiple-choice questions, detailed hints, and explanations to prepare effectively. Ace your exam and kickstart your career in insurance adjusting!

Each practice test/flash card set has 50 randomly selected questions from a bank of over 500. You'll get a new set of questions each time!

Practice this question and more.

In West Virginia, a vehicle is considered "underinsured" for the purposes of UM/UIM coverage if:

the vehicle does not have any insurance coverage.
the liability limits that apply to it are lower than the injured person's UM/UIM limit.
the vehicle has been declared a total loss.
the vehicle has expired registration.

The correct answer is: the vehicle does not have any insurance coverage.

A "underinsured" vehicle, for the purposes of UM/UIM coverage, is one that does not have enough insurance coverage to fully compensate for damages in the event of an accident. Choice B is incorrect because it is referring to "liability limits," which are not specific to UM/UIM coverage. Choice C is incorrect because a total loss designation does not necessarily indicate the amount of insurance coverage on the vehicle. Choice D is incorrect because registration status does not determine the amount of insurance coverage on a vehicle. Only Choice A accurately defines "underinsured" for UM/UIM coverage.