Each module is scored separately here so you know exactly where you stand. To pass the real Virginia exam you need 70%.
The free sample gives you about 20 questions per module. The full bank contains every question — general insurance plus state law — with written, statute-cited explanations. $49, one time, lifetime access on up to 3 devices — every state and line we add later included.
✓ One purchase, use it on up to 3 of your devices · no subscription · no account needed
Virginia licenses Property & Casualty producers through Prometric, requiring 70% to pass. This bank covers the national property & casualty material plus Virginia law - auto (the current 50/100/25 minimum limits and mandatory UM/UIM), property and homeowners (the standard fire policy, the FAIR Plan and the guaranty association), and workers' compensation (the 3-employee threshold and the employer's panel of physicians).
You need 70%. Practice each module to that level and run the full exam simulation before your test date.
No vendor publishes the live exam. Every question here is original, written to the official content outline and grounded in public-domain sources — including the Virginia Code (Titles 38.2, 46.2 and 65.2) for the state-law questions, with the statute section cited in each explanation.
The full Virginia bank contains 1069 questions (general insurance plus Virginia law), with written, source-cited explanations. The free sample gives you about 20 questions per module.
$49, one time, for lifetime access — and it includes every state and line we add later, at no extra charge. No subscription.
Yes. One purchase works on up to 3 of your devices, for example your laptop, phone and tablet, so you can practise wherever you are. Your progress is saved on each device.
No. The practice tests run in your browser with no signup. Your score history is saved on your own device.
A selection of free questions with answers and explanations. Use the interactive modules above for timed, scored drills.
The Business Auto Coverage Form (BACF) is designed primarily for:
Why: The Business Auto Coverage Form provides liability and physical damage coverage for vehicles owned, hired, or used by a business.
A crew member (seaman) injured aboard a vessel in navigation would most likely pursue a claim under which law?
Why: The Jones Act protects seamen (crew members of vessels in navigation), allowing them to sue their employer for injuries caused by negligence, borrowing FELA's fault-based framework.
Under the Dwelling Policy, if no liability supplement is attached, an injured visitor's medical bills are:
Why: The basic Dwelling Policy contains no liability or medical payments coverage; these must be added via the personal liability supplement.
A contractor must guarantee it will enter into the contract at its quoted price if awarded the job. This is provided by a:
Why: A bid bond guarantees the contractor will honor its bid and enter the contract if selected.
Under § 38.2-2701, to be 'qualified property' for the FAIR Plan, the property generally must meet which requirement?
Why: Section 38.2-2701's definition of 'qualified property' requires compliance with applicable state laws, regulations, and local building codes and ordinances.
In a surety bond, the party who is required to provide the bond and perform the obligation is the:
Why: The principal is the party who must perform the obligation and is required to furnish the bond.
For a death claim under the Act, § 65.2-601 requires that a claim be filed within two years after the accident and also:
Why: Section 65.2-601 requires that the claim for death benefits be filed within two years after the accident and within two years from the date of death.
Under § 38.2-1812, an insurer may pay a commission for services as an agent only if, at the time of the transaction, the person held a valid license and was:
Why: Section 38.2-1812 prohibits an insurer from paying commission for agent services unless the person is then a duly appointed agent of the insurer and held a valid license for the class of insurance involved.
Lloyd's of London is best described as:
Why: Lloyd's is not an insurer itself but a marketplace where syndicates of members assume insurance risk.
Combined temporary total and temporary partial disability (wage-loss) benefits in Virginia are generally subject to a maximum total duration of:
Why: Wage-loss benefits are subject to a maximum allowable period of 500 weeks; § 65.2-503(E) references the 'total maximum allowable period of 500 weeks.'
Under § 38.2-1831, 'twisting' — an enumerated ground for license action — is defined as:
Why: Section 38.2-1831(5) defines 'twisting' as inducing an insured to terminate an existing policy and purchase a new policy through misrepresentation.
What is the primary purpose of the Virginia Property and Casualty Insurance Guaranty Association?
Why: Chapter 16 creates the Guaranty Association to pay covered claims existing before and arising after an insurer's insolvency, protecting policyholders and claimants.
The Ordinance or Law endorsement provides coverage for:
Why: Ordinance or Law covers loss to the undamaged portion, demolition costs, and increased construction costs required to comply with current building codes after a covered loss.
Defining key terms (often in quotation marks or bold) so they have a consistent meaning throughout the contract is the purpose of the:
Why: The definitions section clarifies the precise meaning of specific terms used throughout the policy.
Under § 65.2-509, no compensation is allowed for how many initial days of incapacity resulting from an injury?
Why: Section 65.2-509 provides that no compensation is allowed for the first seven calendar days of incapacity (a seven-day waiting period), except medical benefits.
A new NFIP flood policy generally does not take effect until how many days after the application and premium are submitted?
Why: The NFIP imposes a standard 30-day waiting period before a new flood policy becomes effective, to discourage buying coverage only when a flood is imminent.
A restaurant's walk-in freezer fails due to compressor breakdown, spoiling $8,000 of food. Which coverage best responds?
Why: Spoilage coverage (or equipment breakdown) addresses loss to perishable stock caused by refrigeration/equipment breakdown.
When a Virginia auto insurer mails a cancellation notice, what does § 38.2-2208 require to make the notice effective?
Why: A mailed cancellation/nonrenewal notice is effective only if the insurer obtains proof of mailing using registered mail, certified mail, or another approved USPS tracking/certificate-of-mailing method showing the date sent.
Under Title 38.2, after notice and opportunity for all interested parties to be heard, the Commission may issue:
Why: Section 38.2-223 authorizes the Commission, after notice and opportunity for all interested parties to be heard, to issue any rules and regulations necessary or appropriate for the administration and enforcement of the title.
To be eligible for a standard Personal Auto Policy, a private passenger auto generally must be:
Why: PAP eligibility generally requires the vehicle be owned by an individual or by a husband and wife (or resident individuals) and used for personal, not commercial livery, purposes.
Under § 38.2-2105, may an insurer change the sequence of the standard provisions or the catch words when issuing a Virginia fire policy?
Why: Subsection B forbids changing the sequence of the words and paragraphs; the line numbers and catch words at the beginning of each paragraph must be retained.
An insurer decides not to renew a Virginia auto policy at expiration for underwriting reasons. How much advance notice of nonrenewal must it provide?
Why: A refusal to renew must state an effective date at least 45 days after the notice is mailed or delivered to the insured.
Under § 38.2-608, when an individual requests his own medical-record information and a treating physician determines direct disclosure would be reasonably likely to endanger life or physical safety, the entity may:
Why: Section 38.2-608(C) allows direct disclosure to be denied when a treating professional determines it would reasonably likely endanger life or physical safety, but upon request the entity must arrange a review by an independent qualified professional or release to a professional selected by the individual.
The premium basis for workers' compensation insurance is generally expressed as a rate applied to:
Why: WC premium is calculated using rates per $100 of payroll for each job classification, then adjusted by other factors.
Under the FAIR Plan definitions in § 38.2-2701, which property is expressly excluded from being 'qualified property' eligible for the residual market facility?
Why: Section 38.2-2701 defines 'qualified property' to exclude property used for manufacturing purposes, among other conditions.
A joint underwriting association (JUA) is best described as:
Why: A JUA is a residual market in which multiple insurers join to provide a hard-to-place coverage (such as medical malpractice), sharing the resulting premiums, profits, and losses.
Which factor may NOT be the sole basis for an insurer's refusal to renew a Virginia auto policy?
Why: An insurer may not refuse to renew solely because of protected/prohibited factors such as age, sex, race, color, creed, national origin, marital status, or lawful occupation, among others.
A manufacturer being held liable for injury caused by a defective product, without the injured party needing to prove negligence, is an example of:
Why: Strict liability in product cases holds the manufacturer responsible for defective products regardless of the level of care exercised.
An insured who leaves a car unlocked with keys inside because insurance will cover it demonstrates:
Why: A morale hazard arises from carelessness or indifference to loss because insurance exists, increasing the likelihood of loss.
In a Homeowners policy, neglect by the insured to use reasonable means to save property at and after a loss is:
Why: Neglect is listed among the exclusions; the insured must take reasonable steps to protect property, and damage from failing to do so is not covered.