WA DMV Insurance and Financial Responsibility 3

Question 1

What is the minimum bodily injury liability coverage required in Washington when two or more people are injured in one crash?

Accepted Answer

$50,000

Answer

Washington requires at least $50,000 in bodily injury coverage for all persons injured in a single crash.

Question 2

Whom does liability insurance pay when you cause a crash?

Accepted Answer

The other people you injure or whose property you damage

Answer

Liability insurance covers injuries and property damage you cause to others, not your own losses.

Question 3

Which coverage would pay for your own injuries if you are hit by a driver who has no insurance?

Accepted Answer

Uninsured motorist coverage

Answer

Uninsured motorist coverage protects you when an at-fault driver has no insurance.

Question 4

Presenting a fake or invalid insurance card to a police officer in Washington is:

Accepted Answer

A misdemeanor criminal offense

Answer

Providing false proof of insurance is a misdemeanor in Washington, more serious than the infraction of driving uninsured.

Question 5

You lend your insured car to a friend who crashes it. In general, whose insurance is expected to pay first?

Accepted Answer

The insurance on the vehicle (yours)

Answer

Auto insurance typically follows the vehicle, so the owner's policy generally pays first when a permitted driver crashes.

(WA DMV) Washington Department of Motor Vehicle Practice Test