West Virginia Adjusters Practice Exam

Under West Virginia law, what is the minimum coverage limit for Property Damage Liability in an auto insurance policy?

1. $10,000

2. $25,000

3. $30,000

4. $50,000

The correct answer is: $10,000

The correct coverage limit for Property Damage Liability in an auto insurance policy under West Virginia law is set at $25,000. This amount establishes the minimum financial protection that drivers must carry to cover the damages they may cause to another person’s property in the event of an accident. Selecting $10,000 would not meet the legal requirements established in state law, as it falls below the mandated minimum. The higher limits of $30,000 and $50,000 are options that some drivers may choose for additional protection, but only $25,000 qualifies as the minimum legal requirement. Thus, it is important for drivers to adhere to this standard to ensure compliance with state regulations and to protect themselves from potential liabilities.