Washington State Insurance Practice Exam

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Study for the Washington State Insurance Exam. Prepare with flashcards and multiple choice questions, each question has hints and explanations. Get ready for your exam!

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Practice this question and more.

Which of the following typically requires the insurer's written consent in property and casualty insurance?

Changing the coverage limits
Assignment of the policy to another party
Filing a claim
Requesting a refund of premiums

The correct answer is: Changing the coverage limits

In property and casualty insurance, changing the coverage limits typically requires the insurer's written consent. This is because altering coverage limits can impact the level of risk the insurer is exposed to and may affect the terms of the policy. Therefore, it is crucial for the insurer to approve any changes to coverage limits in writing to ensure that both parties are aware of and agree to the new terms. The other options are incorrect because: - Assignment of the policy to another party usually requires notification or consent but not necessarily in writing. - Filing a claim is a standard process that typically does not require written consent from the insurer. - Requesting a refund of premiums may not require written consent as it is a standard procedure governed by insurance regulations.