4 HRs Personal Auto and Umbrella Insurance – Virginia

✅ 4 HRs Personal Auto and Umbrella Insurance – Virginia

✅ Approved by Virginia Insurance Continuing Education Board | Provider #164929 | Course #230321 | Only $22.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 4 approved hours toward your Virginia insurance agent renewal with a course approved by the Virginia Insurance Continuing Education Board for only $22.99. A single-category agent needs 16 hours each biennium, so these 4 hours cover a quarter of the requirement, and the course is approved in the Property & Casualty category.

The course is 100% online and self-paced. Log in and out as often as you need without losing progress. Your certificate is emailed to you the moment you finish. 1st Choice CE reports your completion to Virginia.

✅ Course Details

• Course name: 4 HRs Personal Auto and Umbrella Insurance
• Approved by: Virginia Insurance Continuing Education Board
• Provider number: 164929
• Course number: 230321
• Course length: 4 hours
• Course category: Property & Casualty
• Course format: 100% online, self-paced
• Price: $22.99
• Certificate: emailed immediately after completion
• Reporting: 1st Choice CE reports your completion
• Approval active through: 08-31-2028
• Virginia requirement: the September 2024 Course Introduction Statement is presented at the beginning of the course, as Virginia requires for every approved CE course
• Page URL: https://1stchoice-ce.com/courses/checkout/virginia/4-hrs-personal-auto-umbrella-virginia/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Course?

• Licensed property and casualty agents and producers
• Personal lines agents who write auto every day
• Producers who explain uninsured motorist, PIP, and Medical Payments to clients
• Agents who cross-sell personal umbrella coverage
• Producers handling rideshare, delivery, and business-use auto questions
• Agents who need property and casualty CE credit toward the state renewal total

✅ Does This Course Satisfy the State Requirement?

This course provides 4 approved hours toward the 16 hours Virginia licensed resident insurance agents must complete. It does not satisfy the full requirement on its own, and it does not satisfy the separate 3-hour ethics requirement. You will need additional approved hours, including an approved ethics course, to complete your renewal.

If you hold more than one license category, your requirement is 24 hours rather than 16, with a minimum of eight hours in each category you hold. These 4 hours apply to the Property & Casualty category.

✅ Virginia Continuing Education Requirements

Under Virginia Code § 38.2-1866, an agent licensed in a single license category completes 16 hours of continuing education each biennium. An agent holding licenses in more than one category completes 24 hours, with a minimum of eight credit hours in each category held. Of the total required credits for each biennium, three credit hours must be in insurance ethics, which may include insurance law and regulations applicable in the Commonwealth.

• 16 hours per biennium for a single license category
• 24 hours per biennium for multiple categories, with at least 8 hours in each category held
• 3 of the total credits must be in insurance ethics, which may include Virginia insurance law and regulations
• No more than 75 percent of required credits may come from courses provided by insurance companies or agencies
• Single categories include life and annuities, health, property and casualty, personal lines, and title

Virginia exempts agents licensed during the final 13 months of a two-year period from the requirement for that biennium, under § 38.2-1871. Nonresident agents who meet their home state's requirements and consultants who satisfy the requirement for each license category held are also addressed there. Check your own license record rather than assuming an exemption applies.

How this course helps: This 4-hour course contributes 4 of the 16 credit hours a single-category Virginia agent must complete each biennium, or 4 of the 24 hours required when you hold more than one category. It is approved in the Property & Casualty category, so those hours apply to a Property & Casualty license. It does not satisfy the separate 3-hour ethics requirement, and it does not complete the renewal by itself — the remaining hours and the ethics credits must be completed separately.

✅ When Do Licensees Renew?

Virginia agents renew on a two-year biennium. Confirm your own biennium end date on your license record or renewal notice rather than assuming a statewide calendar deadline. Because the requirement differs depending on how many license categories you hold, the first thing to establish is whether you are a 16-hour or a 24-hour agent — and if you hold more than one category, whether you have the eight-hour minimum in each. An agent who holds two categories and completes 24 hours all in one category has not met the requirement.

✅ How to Renew Your License

1. Confirm how many license categories you hold — This determines whether you owe 16 hours or 24. If you hold more than one category, you also owe at least 8 hours in each.
2. Check your biennium end date — Confirm it on your license record or renewal notice. Do not assume a statewide calendar deadline.
3. Complete the required hours, including 3 in ethics — Ethics may include Virginia insurance law and regulations. Verify the ethics credits specifically.
4. Watch the 75 percent sponsorship cap — No more than 75 percent of your required credits may come from courses provided by insurance companies or agencies. Independent provider courses are not subject to that cap.
5. Allow provider reporting time — Finish coursework early enough for your completions to post before the biennium closes.
6. Renew and confirm — Follow the renewal instructions in your notice, submit the renewal, and verify afterward that your record shows an active status and an updated expiration date.

✅ What You Will Learn

• Apply personal auto definitions correctly — who is insured, which vehicles are covered, and how ownership and use change the answer
• Explain liability limits, defense obligations, permissive use, and the difference between split limits and a combined single limit
• Compare uninsured and underinsured motorist coverage, PIP, and Medical Payments on eligibility, coordination with health insurance, and how benefits are accessed after a crash
• Distinguish comprehensive from collision on covered causes of loss, deductible application, and the disputes each one generates
• Match endorsements — rental reimbursement, towing and labor, custom equipment — to predictable out-of-pocket losses
• Explain how a personal umbrella sits over auto and home, why underlying limits matter, and when an umbrella will not respond

✅ Course Content Overview

Hour 1: Personal Auto Policy Foundations and Liability Coverage

• Review personal auto policy structure and key definitions to clarify who is insured, what vehicles are covered, and how coverage applies based on ownership and use.
• Examine liability coverage (bodily injury/property damage) to explain limits, defense obligations, permissive use issues, and how liability exposure is measured in real claim situations.
• Discuss split limits vs. combined single limits, negligence basics, and common loss patterns to strengthen limit selection and reduce underinsurance for higher-severity claims.
• Introduce claim scenario practice to apply liability concepts to accidents involving multiple vehicles, multiple injured parties, and questions about fault allocation and coverage triggers.

Hour 2: First-Party Auto Coverages—UM/UIM, PIP/MedPay, and Physical Damage

• Review UM/UIM coverage to clarify how it responds when the at-fault driver is uninsured or underinsured, including typical documentation and settlement considerations.
• Compare PIP and Medical Payments coverage to explain eligibility, coordination with health insurance, common misunderstandings, and how benefits may be accessed after a crash.
• Analyze comprehensive vs. collision coverage to distinguish covered causes of loss, deductible application, claim handling expectations, and common disputes (theft, hail, glass, animal impact).
• Use case studies to determine which first-party coverages apply in mixed-loss scenarios (hail + collision, theft + recovery damage, uninsured driver + injuries).

Hour 3: Endorsements, Special Exposures, and Policy Customization

• Review common endorsements (rental reimbursement, towing/labor, custom equipment, gap-style concepts where applicable) to show how policy options address predictable out-of-pocket losses.
• Discuss driver and vehicle exposures (youthful drivers, permissive use, household members, rideshare/delivery use, business use limits) to reduce misclassification and coverage surprises.
• Cover underwriting and rating considerations (MVR, garaging, mileage, credit-based factors where applicable, prior losses) to connect consumer behavior with premium outcomes.
• Practice policy customization through scenario-based recommendations that balance premium, deductibles, limits, and endorsements while maintaining suitability and clear disclosures.

Hour 4: Personal Umbrella Liability—How It Works, When It Responds, and Compliance

• Introduce umbrella policy fundamentals to explain what “excess” and “broader coverage” mean, how umbrellas typically sit over auto/home, and why underlying limits matter.
• Review umbrella triggers, required underlying limits, retention concepts, and common exclusions to clarify when an umbrella will not respond and how to prevent coverage gaps.
• Analyze high-severity liability scenarios (serious injury auto loss, multi-party accident, lawsuit defense costs, reputational/defamation-style allegations where applicable) to show where umbrella value is most visible.
• Reinforce sales practices and documentation expectations focusing on accurate representations, limit selection rationale, disclosure habits, and complaint prevention when cross-selling auto/home/umbrella coverage.

✅ Other Related Courses

• 3 Hour Ethics for Insurance Agents – $22.99
• 3-Hour Flood Insurance (NFIP) – $22.99
• 4-Hour Annuity Best Interest/Suitability – $22.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training – $22.99
• 5 HRs Life Insurance Products and Retirement Planning – $22.99
• 4 HRs Medicare Advantage and Part D Update – $22.99
• 4 HRs Health Insurance and Affordable Care Act Updates – $22.99
• 3 HRs Emerging Risks and Specialty Coverages – $22.99
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) – $22.99
• 4 HRs Commercial Lines Insurance Essentials – $22.99
• 4 HRs Homeowners Insurance Overview – $22.99
• 16 Hour Life & Health CE Package – $54.99
• 16-Hour Property & Casualty CE Package – $54.99

✅ Why Choose 1st Choice CE?

• Approved provider and approved course in Virginia
• Affordable at $22.99 with no additional or hidden fees
• 100% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate
• Completions reported to the state
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Get your 4 approved hours done today for $22.99.

Enroll in 4 HRs Personal Auto and Umbrella Insurance – Virginia

Questions first? Call or text 1-800-698-2770.