Washington State Insurance Practice Exam

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Prepare for the Washington State Insurance Exam with comprehensive study materials and quizzes. Enhance your understanding of insurance concepts through engaging questions and detailed explanations to excel in your upcoming exam.

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!

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What does the term 'occurrence' include in insurance policies?

Single unexpected events
Intentional harm caused by the insured
Continuous or repeated exposure to conditions causing injury or damage
Only damage to the insured's property

The correct answer is: Continuous or repeated exposure to conditions causing injury or damage

In insurance policies, the term 'occurrence' typically includes continuous or repeated exposure to conditions causing injury or damage. This means that it is not limited to a single unexpected event but can encompass ongoing or repeated incidents that result in harm or damage. This broader definition allows for coverage in situations where the damage or injury may not be the result of a one-time incident but rather a gradual process. Options A, B, and D are incorrect because they do not fully capture the scope of what 'occurrence' includes in insurance policies. Option A is too narrow in its definition, option B refers to intentional harm caused by the insured which is usually excluded from coverage, and option D limits the term to only damage to the insured's property. Ultimately, option C is the most appropriate choice as it aligns with the comprehensive understanding of 'occurrence' in insurance terms.