West Virginia Property and Casualty Licensing Practice Exam

For coverage to apply under a workers compensation policy, the injury must be compensable. What does this mean?

1. The injury must be caused by a third party

2. The injury must not be pre-existing

3. The injury must result from an accident arising out of and in the course of employment

4. The injury must have occurred on the job site

The correct answer is: The injury must result from an accident arising out of and in the course of employment

The correct answer, which states that the injury must result from an accident arising out of and in the course of employment, encapsulates the fundamental principle of workers' compensation. This principle ensures that benefits are provided for injuries that occur as part of an employee's job duties. When determining compensability, it is essential to establish a direct connection between the injury and the work-related environment or tasks. This means that the injury must happen while the employee is performing their job functions or during an activity aligned with their employment. For instance, if an employee falls while performing a task associated with their job, that injury is likely compensable. The other options address aspects of injuries but do not directly define compensability in the same comprehensive manner. An injury caused by a third party may still be compensable under certain circumstances, but it is not a requirement for coverage. Similarly, while pre-existing conditions can impact an injury's compensability, they do not automatically make an injury non-compensable if it meets the criteria outlined in the correct answer. Lastly, while being on the job site can contribute to compensability, an injury occurring at the site does not guarantee it falls under workers' compensation; the more crucial element is that it must arise from job-related