A binder is given on an Alaska property policy that has not yet been issued. After how long from its effective date is the binder no longer valid?AS 21.42.240(b)
A four-wheel vehicle that is not a private passenger car can still be insured as a personal automobile in Alaska if its load capacity is no more than what?AS 21.36.310
An Alaska business refuses to give its insurer the information needed to determine the policy premium. How much notice of cancellation is required?AS 21.36.220(b)
An Alaska driver commits an overweight vehicle violation. What does AS 21.36.307 say about the driver's personal auto insurance?AS 21.36.307(a)
An Alaska driver is cited for a moving traffic violation. When may the insurer add a surcharge to the personal auto policy because of the citation?AS 21.36.305(b)
An Alaska home becomes uninsurable after physical changes. How much notice of cancellation is required?AS 21.36.220(a)
An Alaska insured cancels a policy that is not selected for audit. Within what time must the insurer return or credit the unearned premium?AS 21.36.255(a)
Show all 122 questions (115 more)
Cancellation, nonrenewal and binders, continued
An Alaska insurer cancels a homeowner's policy because the property is entirely abandoned. Besides the named insured, who must be given notice?AS 21.36.210(f)
An Alaska insurer fails to follow the notice rules, but the insured has bought another policy on the same vehicle. When does the first policy's coverage end?AS 21.36.270
An Alaska insurer must give advance written notice when a renewal premium rises by more than what share, for a reason other than more coverage or a larger exposure base?AS 21.36.235(a)
An Alaska personal auto policy is a renewal. A license suspension counts as a reason to cancel if it fell in the policy period or in how many days before the renewal took effect?AS 21.36.210(a)
At renewal an Alaska insurer offers to place the insured with an affiliate insurer. How does AS 21.36.240 treat the offer?AS 21.36.240(e)
During the policy period an Alaska insurer adds a deductible to comprehensive coverage. Up to what deductible is the change not a cancellation?AS 21.36.210(b)
How does AS 21.36.290 treat an Alaska policy written with no fixed expiration date?AS 21.36.290(a)
How much written notice must an Alaska insurer give before a surcharge on a personal automobile policy takes effect?AS 21.36.305(e)
How often at most may the rate for an Alaska personal automobile insurance policy be changed?AS 21.36.290(b)
In what form may a binder for temporary property or casualty insurance be made in Alaska?AS 21.42.240(a)
On what date may an Alaska insurer make a premium increase or surcharge on a personal auto policy effective?AS 21.36.305(d)
The policy still has not been issued when an Alaska binder reaches its time limit. What is needed to extend or renew the binder?AS 21.42.240(c)
When may an Alaska insurer charge a cancellation fee on a policy the insured cancels?AS 21.36.255(a)
Which of these lets an Alaska insurer cancel a personal policy other than personal automobile insurance?AS 21.36.210(f)
Auto liability, uninsured motorist and rideshare 29
A loss happens while an Alaska policyholder is logged onto a rideshare company's digital network. What does AS 21.96.018 let the personal auto insurer do?AS 21.96.018(a)
A vehicle leaves the scene of an Alaska accident. It is presumed uninsured if the insured reports the accident to the authorities within what time?AS 28.22.201(b)
Alaska exempts some drivers in places off the land-connected highway system from mandatory insurance. The place must have no road with average daily traffic greater than what?AS 28.22.011(a)
Alaska insurers may agree among themselves to apportion applicants who cannot get insurance through ordinary methods. Whose approval do the agreements need?AS 21.39.150
Alaska's general self-insurer rule in AS 28.20.400(a) is for a person with more than how many vehicles registered in the person's name?AS 28.20.400(a)
An Alaska auto insurer has excluded rideshare use from a personal policy. What duty does it have on a claim that the exclusion expressly covers?AS 21.96.018(c)
An Alaska carrier settles a covered auto claim in good faith. What happens to the amount of the settlement?AS 28.20.440(f)
An Alaska driver damages a rented car. Three coverages apply. Which pays first under AS 21.96.020(f)(4)?AS 21.96.020(f)
An Alaska driver must show proof of motor vehicle liability insurance after an accident with property damage exceeding what amount?AS 28.22.021
An Alaska driver with no earlier suspension in the preceding 10 years fails to show proof of insurance after an accident. For how long is the license suspended?AS 28.22.041(a)
An Alaska driver's license was suspended once before, in the preceding 10 years, for driving uninsured. What suspension follows a new failure to show proof of insurance?AS 28.22.041(a)
An Alaska insured declined physical damage coverage on the insured's own car. What must the automobile liability insurer do about rented vehicles?AS 21.96.020(f)
An Alaska insured is hurt while riding in a second car that the insured owns but did not insure. Does the required uninsured motorist coverage apply?AS 28.22.231
An Alaska person with 25 or fewer registered vehicles can self-insure by proving the ability to pay a judgment of at least what amount?AS 28.20.400(a)
An injured Alaska insured is also paid medical payments coverage and workers' compensation benefits. How does uninsured and underinsured motorist coverage relate to those amounts?AS 28.20.445(b)
An insurer offering automobile liability insurance in Alaska must also offer a short term policy. For how long at most is that policy valid?AS 21.96.020(g)
How may an Alaska driver show proof of motor vehicle liability insurance to a peace officer, besides on paper?AS 28.22.019(a)
In Alaska's transportation network company law, when does a 'prearranged ride' begin?AS 28.23.180
One named insured on an Alaska auto policy rejects an optional coverage in writing. For whom is that choice valid?AS 21.96.020(h)
The owner and the operator of the other vehicle are both unknown. When may an Alaska uninsured motorist payment be made?AS 28.22.201(b)
Several Alaska policies give an injured person uninsured motorist coverage. Which pays first in the order of priority of AS 28.22.221?AS 28.22.221
Two vehicles are insured under one Alaska policy, each with uninsured motorist coverage. What is the most payable to a person entitled under both coverages?AS 28.22.221
What deductible applies to Alaska uninsured motorist coverage for property damage in any one accident, unless the insurer offers another?AS 28.22.201(c)
What form must the uninsured and underinsured motorists coverage required by Alaska's mandatory insurance chapter take?AS 28.22.201(a)
What is the largest uninsured and underinsured motorist limit option, per person and per accident, that an Alaska auto insurer must offer under AS 21.96.020(c)?AS 21.96.020(c)
When does Alaska's required underinsured motorist coverage begin to apply to an insured's bodily injury?AS 28.22.201(a)
When does an insurance carrier's liability become absolute under an Alaska motor vehicle liability policy?AS 28.20.440(f)
Which liability does an Alaska motor vehicle liability policy not have to insure under AS 28.20.440(e)?AS 28.20.440(e)
Within what territory must an Alaska owner's policy insure the named insured and permitted users of the vehicle?AS 28.20.440(b)
Kinds of insurance and attorney fee coverage 9
An Alaska liability policy provides a defense within a limit of liability of $300,000. Its added coverage for Civil Rule 82 attorney fees may not be less than the rule's schedule amount or what figure, whichever is greater?3 AAC 26.510
An Alaska policy limits its coverage for Civil Rule 82 attorney fees as the rules permit. What must the policy include?3 AAC 26.550(a)
At what limit of liability may an Alaska policy that provides a defense within its limit include Civil Rule 82 attorney fees inside that limit?3 AAC 26.510
In Alaska's code, insurance guaranteeing the fidelity of persons who hold positions of public or private trust is which kind of insurance?AS 21.12.080
Insurance against loss by burglary, theft, forgery or vandalism is which kind of insurance in AS 21.12.070?AS 21.12.070(a)
Under which kind of insurance does Alaska's code place workers' compensation and employer's liability insurance?AS 21.12.070(a)
What do the minimum standards of 3 AAC 26.500 to 26.559 deal with in Alaska liability policies?3 AAC 26.500
What may an Alaska insurer not charge for the minimum Civil Rule 82 attorney fee coverage that 3 AAC 26.510 requires?3 AAC 26.540
Which kind of insurance does Alaska's definition of property insurance expressly leave out?AS 21.12.060
Workers' compensation 14
Alaska's maximum weekly compensation rate is what share of the average weekly wage applicable on the date of injury?AS 23.30.175(a)
An Alaska contractor fails to secure workers' compensation for its employees. Who is then liable for and must secure the payment?AS 23.30.045(a)
An Alaska employer failed to insure, and an injured employee sues. What does AS 23.30.080(b) presume, and who must rebut it?AS 23.30.080(b)
An Alaska employer's workers' compensation policy expires. Within what time must the employer give the division evidence of compliance?AS 23.30.085(a)
An executive officer of an Alaska corporation is not its employee for workers' compensation if the officer owns at least what share of the business?AS 23.30.240(a)
Below what dollar amount may an Alaska weekly rate of compensation for disability or death not initially fall?AS 23.30.175(a)
For how long from the date of injury must an Alaska employer furnish medical treatment before continued care needs review by the board?AS 23.30.095(a)
How many times may an injured Alaska employee change the choice of attending physician without the employer's written consent?AS 23.30.095(a)
How must an Alaska employer authorized as a self-insurer provide claims facilities?AS 23.30.090
In how many conspicuous places must an Alaska employer post its notice of workers' compensation insurance?AS 23.30.060(b)
Until an Alaska employer gives its employees written notice of insurance, what is the employer conclusively presumed to have elected?AS 23.30.060(a)
What does 3 AAC 30.010 require of an insurer as a condition of writing workers' compensation insurance in Alaska?3 AAC 30.010
What is every Alaska workers' compensation policy considered to say about the insured employer's obligations under the Act?AS 23.30.030
Which of these workers is not covered by the Alaska Workers' Compensation Act under AS 23.30.230?AS 23.30.230(a)
Insurance guaranty association 8
A workers' compensation claim could be recovered from the guaranty associations of two states. Under AS 21.80.100, from which is recovery sought first?AS 21.80.100(b)
Apart from workers' compensation and unearned premium, the Alaska Insurance Guaranty Association's obligation on a covered claim reaches only the amount below what figure?AS 21.80.060(a)
From which fees and taxes is the Alaska Insurance Guaranty Association not exempt?AS 21.80.130
How much of a covered claim arising out of a workers' compensation policy does the Alaska Insurance Guaranty Association pay?AS 21.80.060(a)
Member insurers and the board of governors are immune for acts in performing duties under Alaska's guaranty chapter. What conduct is outside that immunity?AS 21.80.150
On what day does an insurer stop being a member of the Alaska Insurance Guaranty Association?AS 21.80.040(b)
What is the most the Alaska Insurance Guaranty Association pays on a covered claim for return of unearned premium, for each policy?AS 21.80.060(a)
Which kind of insurance is outside the Alaska Insurance Guaranty Association chapter under AS 21.80.020?AS 21.80.020
Trade practices and fiduciary money 12
A person gives the Alaska director information about the financial condition of a licensee. What protection does AS 21.36.070(b) give?AS 21.36.070(b)
A producer makes incomplete comparisons of two policies to induce an Alaska policyholder to surrender one of them. What does AS 21.36.050 call this?AS 21.36.050
Alaska gives immunity from civil damages to a person who reports suspected insurance fraud. Which conduct does AS 21.36.365(b) leave open to liability?AS 21.36.365(b)
An Alaska lender requires property insurance for a loan. On renewal, how early must the borrower's chosen renewal policy reach the lender to keep the borrower's right of selection?AS 21.36.160
An Alaska licensee diverts fiduciary money to personal use. Besides restitution and loss of licenses, what civil penalty may follow for each violation?AS 21.27.360(c)
An Alaska producer's compensation from controlled business in a calendar year may not exceed what share of the compensation from all other insurance business?AS 21.27.030(c)
An unlicensed person refers a customer to an Alaska producer and gives no advice about insurance. Which referral payment does AS 21.27.370(c) allow?AS 21.27.370(c)
How must an Alaska licensee hold premiums and return premiums received from a client?AS 21.27.360(b)
When may an Alaska property or casualty insurer give a discount that is not specified in the policy?AS 21.36.120(a)
Which advertisement does AS 21.36.030 forbid in Alaska?AS 21.36.030(a)
Which return of money to policyholders does AS 21.36.120(d) say Alaska's rebate law does not prohibit?AS 21.36.120(d)
Who besides the insurer and its agent breaks Alaska's property and casualty rebate law when an unlawful rebate changes hands?AS 21.36.120(b)
Director, producers and surplus lines 29
A demand for a hearing stays an order of the Alaska director if the director receives it before the order's effective date or within how long after the order is delivered?AS 21.06.190(a)
A foreign stock insurer that is not alien wants to be an eligible surplus lines insurer in Alaska. It needs its home capital and surplus requirement or what amount, whichever is greater?AS 21.34.040(c)
A person aggrieved by an order of the Alaska director demands a hearing in writing. Unless postponed, within what time must the hearing be held?AS 21.06.180(b)
A regulation of the Alaska director that needs a hearing is not effective until it has been on file as a public record for at least how long?AS 21.06.090(a)
After a catastrophe, the Alaska director may issue emergency orders such as immediate licensing of adjusters. Without a hearing, how long may such an action stay in effect?AS 21.06.080(d)
An agency agreement lets an Alaska producer settle claims for the insurer. Within what time must a claim be reported to the insurer?AS 21.27.550(e)
An Alaska client pays its broker a fee. What does AS 21.27.560(a) require of the client and the insurance producer?AS 21.27.560(a)
An Alaska insurer notifies the director that a terminated appointee engaged in a prohibited activity. Within what time must it mail a copy to the appointee?AS 21.27.110(c)
An Alaska producer acting as a client's broker takes a premium deposit. It must be returned to the client if coverage is not obtained within what time?AS 21.27.560(b)
An insurer is formed under the laws of Japan and is admitted in Alaska. Which term in AS 21.97.900 fits it?AS 21.97.900
An insurer's employee answers requests from existing Alaska policyholders about their existing policies. When is no license needed?AS 21.27.010(e)
Before insurance is placed with a nonadmitted insurer in Alaska, what must the producing broker have done among admitted insurers?AS 21.34.020(a)
By when must an admitted insurer appoint an Alaska producer as its agent, counted from the written agency contract or the first application submitted?AS 21.27.100(b)
How does Alaska's code define a domestic mutual insurer?AS 21.69.710
How long does an Alaska producer's appointment by an insurer continue in force?AS 21.27.110(a)
How often must an Alaska managing general agent render accounts and remit money due to the insurer under the required contract?AS 21.27.620(a)
In Alaska's definitions, which insurers does the term 'foreign insurer' take in besides those formed in other states?AS 21.97.900
May an Alaska insurance producer assign its agency agreement with an admitted insurer to another producer?AS 21.27.550(d)
On what terms does the Alaska director issue a license to a nonresident applicant under AS 21.27.270?AS 21.27.270(a)
Surplus lines insurance is placed in Alaska and the policy is not yet available. What must the surplus lines broker promptly deliver?AS 21.34.100(a)
Under the contract Alaska requires between an insurer and a managing general agent, how much in estimated claims payments may the agent retain?AS 21.27.620(a)
What may an Alaska surplus lines broker not do with the surplus lines tax under AS 21.34.180(b)?AS 21.34.180(b)
What must be true of each individual an Alaska firm employs as an insurance producer before the firm may be licensed?AS 21.27.140(b)
What tax on the net premium does an Alaska surplus lines broker collect and pay to the director?AS 21.34.180(a)
When does an Alaska surplus lines broker pay the premium tax due on its transactions?AS 21.34.180(e)
Which license must an applicant hold to qualify for an Alaska resident surplus lines broker license?AS 21.27.790
Who appoints Alaska's director of the division of insurance?AS 21.06.010
Whose property is a certificate of authority issued to an insurer in Alaska?AS 21.09.120(c)
Within what time after an insurer's application is complete must the Alaska director act on a certificate of authority?AS 21.09.120(a)
How this list was compiled: Own questions, written from the Alaska Statutes and the Alaska Administrative Code as published on the Alaska State Legislature's website (https://www.akleg.gov/basis/statutes.asp and https://www.akleg.gov/basis/aac.asp), read on October 13, 2026: AS 21.06, 21.09.120, 21.12.060 to 21.12.080, 21.27, 21.34, 21.36, 21.39.150, 21.42.240, 21.69.710, 21.80, 21.96.018, 21.96.020 and 21.97.900; AS 23.30 (Alaska Workers' Compensation Act); AS 28.20, 28.22 and 28.23.180; 3 AAC 26.500 to 26.550 (attorney fees coverage) and 3 AAC 30.010. Each question names its section and links to it. The topics follow the Alaska Specific Property and Alaska Specific Casualty outlines (State Laws, Rules, and Regulations) in the Alaska Examination Content Outlines effective March 3, 2025, which print the statute and regulation references beside each topic; the outlines and the Alaska Insurance Licensing Candidate Handbook (September 2023) are published by the Alaska Division of Insurance's examination administrator (the outlines: https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/122203.pdf; the handbook: https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/122200.pdf). Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
This unofficial Alaska property and casualty practice test covers the state part of the Property and Casualty exams: 122 questions from the Alaska Statutes and Administrative Code. Policy forms are not asked. Not affiliated with the Alaska Division of Insurance.
Read the full guide
What the Alaska state exam asks
Property and Casualty are separate exams, each with a general part and a state part. Both state parts give 30 of their scored questions to law common to all lines: the director, definitions, licensing, marketing practices and the guaranty association.
Studying for Property only or Casualty only
The other ten property questions are on kinds of insurance, binders and cancellation. The ten casualty questions add attorney fee coverage under Civil Rule 82, auto financial responsibility, uninsured motorist coverage, assigned risk, rideshare and workers' compensation.
Binders: oral or written, good for 90 days or until the policy is issued, extended only with the insurer's written approval (AS 21.42.240).
Uninsured motorist property damage carries a $250 deductible, and a hit-and-run must be reported within 24 hours (AS 28.22.201).
Surplus lines brokers collect a 2.7 percent tax on net premium and pay it with the quarterly report (AS 21.34.180).
Questions and answers
How many questions are on the Alaska property and casualty exam?
There are two exams. The outline effective March 3, 2025 gives each state part 40 scored questions plus 10 pretest questions, and each general part 50 scored questions. The September 2023 handbook allows 1 hour for a state part.
What score passes the Alaska insurance exam?
The candidate handbook gives a passing score of 70 and calls it a scaled score, not the number or percentage of questions answered correctly. A candidate who fails an exam and retakes it must retake the whole exam, Parts 1 and 2.
What are Alaska's minimum auto liability limits?
AS 28.20.440 sets $50,000 for bodily injury to or death of one person, $100,000 for two or more persons in one accident, and $25,000 for injury to or destruction of the property of others.
Is this Alaska property and casualty practice test free?
Yes. The questions are our own, your answers stay in your browser, and the Alaska Division of Insurance has not reviewed them.