A Delaware agent declines a homeowner's application. The applicant writes in time to ask why. How soon must the explanation be provided?18 Del. C. § 4122(a)
A Delaware auto policy is cancelled only for nonpayment. The insured pays the full amount due 12 days later and the policy is reinstated. Is a loss from day 5 of the gap covered?18 Del. C. § 3903(d)
A Delaware driver is excluded by name from a household auto policy and offered separate coverage. How long does the driver have to accept, show other coverage, or surrender the license?18 Del. C. § 3909(e)
A Delaware driver misses a premium payment on a personal auto policy. What is the shortest notice of cancellation the insurer may give?18 Del. C. § 3905(a)
A Delaware homeowner phones the insurer to ask whether a loss would be covered and files nothing. How may the insurer treat the call when it decides on renewal?18 Del. C. § 4131
A Delaware homeowner's insurer may not refuse to renew solely for weather claims unless at least how many were made in the preceding 36 months?18 Del. C. § 4130(a)(1)
Show all 144 questions (138 more)
Cancellation and nonrenewal, continued
A Delaware homeowner's policy has been in force for a year. Unpaid real property taxes become a ground for cancellation once they have been delinquent for how long?18 Del. C. § 4123(7)
A Delaware insurance group moves a personal auto policyholder to a sister company at no higher premium and no less coverage. How much notice of the transfer is required?18 Del. C. § 3903(c)
A Delaware insured cancels an auto policy and asks for a cash refund. What satisfies the 'sufficient evidence' the insurer must have first?18 Del. C. § 3915(b)
A Delaware insurer cancels a commercial automobile policy mid-term for an increased hazard. What is the shortest notice it may give?18 Del. C. § 3920(a)(2)
A Delaware insurer cancels a homeowner's policy for nonpayment of premium. What is the shortest notice it may give?18 Del. C. § 4122(b)
A Delaware insurer cancels a personal auto policy, not for nonpayment. What is the shortest notice?18 Del. C. § 3905(a)
A Delaware insurer may cancel an auto policy when the named insured hid accidents and moving violations called for in the application. How far back does that duty to disclose run?18 Del. C. § 3904(a)(4)
A Delaware insurer sends neither a renewal offer nor a nonrenewal notice on a homeowner's policy. What follows?18 Del. C. § 4122(d)
A Delaware insurer will not renew a commercial liability policy that is not an auto policy. How much written notice must the named insured get?18 Del. C. § 3911(b)
A Delaware named insured wants the Commissioner to review an auto policy cancellation. By when must the request for review be mailed or delivered?18 Del. C. § 3906(a)
A Delaware residential policy carries a percentage deductible for hurricane losses. What must the insurer's deductible notice include?18 Del. C. § 4140(a)(4)
After the Delaware Commissioner forwards an insured's auto cancellation appeal, how long does the insurer have to submit its supporting documents?18 Del. C. § 3906(b)
As a condition of renewing a Delaware auto policy, an insurer may require a deductible on physical damage and comprehensive coverage of no more than what amount?18 Del. C. § 3910
Before issuing a personal auto policy, how many years of driving record may a Delaware insurer require from an applicant whose record shows a violation last year?18 Del. C. § 3913
The Delaware Commissioner finds for the insured and orders an auto policy reinstated. How far back may the order reach?18 Del. C. § 3906(c)
Delaware's personal auto cancellation rules do not reach a new policy that has been in effect for less than how long when notice is mailed?18 Del. C. § 3903(b)
How far ahead of the end of a homeowner's policy period must a Delaware insurer send either its offer to renew or its notice that it will not renew?18 Del. C. § 4122(c)
How long after notice of a declination does a Delaware property insurance applicant have to ask in writing for the reasons?18 Del. C. § 4122(a)
How long must a Delaware auto insurer keep proof that it mailed a notice of cancellation or nonrenewal?18 Del. C. § 3905(c)
One driver in a Delaware household has a record that would justify cancelling the family auto policy. What must the insurer offer in place of cancellation?18 Del. C. § 3909(b)
Two claims not caused by weather can support nonrenewal of a Delaware homeowner's policy only if both fall within what period before expiration?18 Del. C. § 4130(a)(1)
Under Delaware's auto cancellation reasons, three at-fault accidents within 36 months count only when the claims paid exceed what amount per accident?18 Del. C. § 3904(a)(7)
What is the shortest notice a Delaware insurer may give when it cancels a commercial automobile policy for nonpayment of premium?18 Del. C. § 3920(a)(2)
What penalty may the Delaware Commissioner assess for each violation of the property insurance declination and termination subchapter?18 Del. C. § 4125(b)(2)
Which of these may a Delaware insurer NOT use as the basis for declining or terminating a homeowner's policy?18 Del. C. § 4124(4)
Auto coverage, PIP and uninsured vehicles 31
A Delaware claimant sues for late personal injury protection benefits and asks for attorney's fees. Who must prove bad faith?21 Del. C. § 2118B(d)
A Delaware claimant tells the insurer in writing of a wish to file a first personal injury protection claim. How soon must the insurer provide a claim form?21 Del. C. § 2118B(b)
A Delaware household insures two cars with one insurer. How do the uninsured vehicle limits apply?18 Del. C. § 3902(c)
A Delaware insured has not paid a full year's premium in advance. For how long may the insurance identification card be valid?21 Del. C. § 2118(o)
A Delaware insurer issues a binder while a motor vehicle liability policy is being prepared. Does the binder satisfy the financial responsibility chapter's requirements for such a policy?21 Del. C. § 2902(k)
A Delaware insurer may not raise a personal auto renewal rate solely because the insured has reached what age?18 Del. C. § 2503(a)(10)
A Delaware insurer receives a written request for payment of a personal injury protection claim with documentation. By when must it pay or explain a denial in writing?21 Del. C. § 2118B(c)
A Delaware insurer wants to read driving data from a device in a private passenger car. What does it need from the policyholder?18 Del. C. § 3918(b)
A Delaware motorist proves financial responsibility by a deposit with the State Treasurer. How much cash or securities is required?21 Del. C. § 2951(a)
A Delaware soldier's auto policy lapsed during a deployment. How may an insurer use that lapse when rating a new policy?18 Del. C. § 3917(a)
A party loses a Delaware Insurance Commissioner's auto arbitration. What appeal is open?21 Del. C. § 2118(j)(5)
An injured person in Delaware asks an insurer to disclose the at-fault driver's bodily injury limits before suit. The insurer must answer once submitted medical bills and wage losses reach what total?21 Del. C. § 2907(d)
Delaware personal injury protection pays reasonable and necessary expenses incurred within what period after the accident?21 Del. C. § 2118(a)(2)
Delaware's required coverage for damage to the insured vehicle includes loss of use at $10 a day. What is the most it pays for loss of use?21 Del. C. § 2118(a)(4)
Every Delaware auto insurer must offer additional uninsured and underinsured coverage for personal injury up to what limits, within the policy's own liability limits?18 Del. C. § 3902(b)
For how long must a Delaware auto insurer reduce rates for a driver who voluntarily completes an approved accident prevention course?18 Del. C. § 2503(a)(6)
From the thirty-first day of a lapse in required insurance, by how much does Delaware's penalty fee grow each day?21 Del. C. § 2118(n)(4)
How many arbitrators hear a Delaware request for arbitration of a personal injury protection or vehicle damage claim?21 Del. C. § 2118(j)(3)
How many motor vehicles must be registered in one person's name before that person may qualify as a self-insurer in Delaware?21 Del. C. § 2904(a)
How may a Delaware named insured turn down uninsured vehicle coverage?18 Del. C. § 3902(a)(1)
Insurance on a Delaware vehicle lapses during its registration year. What penalty does the Division of Motor Vehicles assess for a lapse of up to 30 days?21 Del. C. § 2118(n)(4)
Two Delaware insurers dispute who owes personal injury protection benefits already paid. Who arbitrates?21 Del. C. § 2118(g)(3)
What deductible applies to property damage under Delaware uninsured vehicle coverage unless insured and insurer agree in writing to another?18 Del. C. § 3902(a)(2)
What fine does Delaware set for a first offense of operating a registered vehicle without the required insurance?21 Del. C. § 2118(s)(1)
What is Delaware's minimum liability limit for bodily injury to or death of one person in one accident?21 Del. C. § 2902(b)(2)
What is the most Delaware personal injury protection pays for funeral services for one person?21 Del. C. § 2118(a)(2)
What may a Delaware auto insurer not require as a condition of paying a glass claim?18 Del. C. § 3916
What minimum personal injury protection must a Delaware auto policy provide for any one person?21 Del. C. § 2118(a)(2)
What share of registrations must the Delaware Division of Motor Vehicles select at random each year to verify insurance?21 Del. C. § 2118(q)(1)
When does a Delaware insurer first owe payment under underinsured motorist coverage?18 Del. C. § 3902(b)(3)
Which cancellations of private passenger auto policies must a Delaware insurer report to the Division of Motor Vehicles?21 Del. C. § 2118(l)
Assigned risk and property placement 12
A Delaware assigned risk certificate is required because of a conviction for driving while intoxicated. What surcharge is added to the prevailing rate?21 Del. C. § 2905(a)(1)
A Delaware property owner is aggrieved by a decision of the industry placement facility. How long is there to appeal to the Commissioner?18 Del. C. § 4112
An insurer wants to cancel a Delaware assigned risk auto policy because the insured stopped paying premiums. What notice goes to the Secretary of Transportation?21 Del. C. § 2906(b)
For how long may the surcharges on a Delaware assigned risk auto policy last?21 Del. C. § 2905(d)
How do members of a Delaware joint underwriting association share its writings, expenses, profits and losses?18 Del. C. § 4110(b)
How many directors govern a Delaware joint underwriting association for basic property insurance?18 Del. C. § 4110(c)
How many insurers must a Delaware applicant have tried in good faith before asking the Insurance Commissioner to assign the risk?21 Del. C. § 2905(a)
If the Delaware Commissioner orders a joint underwriting association, how soon must it submit a proposed plan of operation?18 Del. C. § 4109(c)
Under Delaware's placement subchapter a furnished, maintained dwelling with utilities in use may not be excluded as unoccupied until it has stood empty for more than how long?18 Del. C. § 4103(5)
What automatic surcharge is added to the prevailing rate on a Delaware assigned risk auto policy?21 Del. C. § 2905(a)
What does 'basic property insurance' mean under Delaware's property placement subchapter?18 Del. C. § 4103(1)
Who is entitled to an inspection of property by Delaware's inspection bureau?18 Del. C. § 4105(a)
Insurance Guaranty Association 13
A Class A assessment of the Delaware Insurance Guaranty Association covers administrative costs. What is the most a member may be assessed each year?18 Del. C. § 4208(a)(4)
A Delaware claimant has a claim against an insolvent insurer and also a claim on another policy for the same loss. What comes first?18 Del. C. § 4212(a)
A workers' compensation claim could be recovered from the guaranty associations of two states. Under Delaware law, where is recovery sought first?18 Del. C. § 4212(b)
Apart from workers' compensation, the Delaware Insurance Guaranty Association's obligation on one insolvent insurer's policies ends once what total has been paid for an insured and its affiliates?18 Del. C. § 4208(a)(1)
Class B and Class C assessments of the Delaware Insurance Guaranty Association together may not exceed what share of a member's premiums for the year?18 Del. C. § 4208(a)(4)
The court has set no earlier bar date. How long after the order of liquidation does a claim filed with the Delaware Insurance Guaranty Association stop being a covered claim?18 Del. C. § 4208(a)(1)
The Delaware Insurance Guaranty Association may recover what it paid on behalf of an insured whose net worth exceeded what figure?18 Del. C. § 4211(a)(2)
For how long are Delaware court proceedings stayed when a party's property and casualty insurer is found insolvent?18 Del. C. § 4218(a)
How do member insurers recover the assessments they pay to the Delaware Insurance Guaranty Association?18 Del. C. § 4216
How much of a covered workers' compensation claim does the Delaware Insurance Guaranty Association pay?18 Del. C. § 4208(a)(1)
What is the Delaware Insurance Guaranty Association's limit on a covered claim for return of unearned premium?18 Del. C. § 4208(a)(1)
What is the most the Delaware Insurance Guaranty Association pays one claimant on a covered liability claim that is not workers' compensation?18 Del. C. § 4208(a)(1)
Which kind of insurance is outside the Delaware Insurance Guaranty Association?18 Del. C. § 4203
Workers' compensation 22
A Delaware employer that had coverage lets it lapse and does not replace it. The civil penalty is the unpaid premium for a one-year period multiplied by what?19 Del. C. § 2374(d)(1)
A Delaware personal injury claim for workers' compensation is barred unless the parties agree or one of them petitions the Board within what time after the accident?19 Del. C. § 2361(a)
A Delaware worker dies of a work injury, leaving a spouse and two children. What share of wages is the death compensation?19 Del. C. § 2330(a)(4)
A Delaware worker is disabled for five days. From which day of incapacity is wage compensation paid?19 Del. C. § 2321
The Delaware Department of Labor contacts an employer whose workers' compensation policy was reported cancelled. How long does the employer have to provide proof of insurance?19 Del. C. § 2374(c)
Delaware workers' compensation is the exclusive remedy against the employer. Which benefits does the statute expressly leave open to the injured worker?19 Del. C. § 2304
Delaware's workers' compensation chapter does not apply to a household worker who earns less than what amount in cash in any 3-month period from one household?19 Del. C. § 2307(a)
Every Delaware workers' compensation insurer must offer a deductible on medical and death benefits. What is the largest deductible the law provides for?19 Del. C. § 2372(c)(2)
For how long may compensation for partial disability be paid under Delaware's workers' compensation law?19 Del. C. § 2325
For how many weeks is Delaware workers' compensation death compensation payable, before the longer periods for children and a surviving spouse?19 Del. C. § 2330(b)
How does Delaware's workers' compensation chapter treat a sole proprietor?19 Del. C. § 2308(b)
How long must a Delaware worker's incapacity last, counting the day of injury, for compensation to be paid back to the first day?19 Del. C. § 2321
How many employees must a Delaware employment have before the workers' compensation chapter applies to it?19 Del. C. § 2306(a)
How many officers who are stockholders of a Delaware corporation may be exempted from workers' compensation by written agreement?19 Del. C. § 2308(a)
How soon after learning of a work injury must a Delaware employer or its carrier tell the Department and the claimant whether the claim is accepted or denied?19 Del. C. § 2362(a)
How soon after learning of an accident causing personal injury must a Delaware employer report it in writing to the Department of Labor?19 Del. C. § 2313(a)
Unless the employer already knows of the injury, within what time must a Delaware employee give notice before compensation becomes due?19 Del. C. § 2341
What fine may the Delaware Industrial Accident Board assess when a carrier fails its notice and prompt payment duties under section 2362?19 Del. C. § 2362(e)
What is the limit on burial expenses a Delaware employer must pay when death results from a work injury, unless the Board approves more?19 Del. C. § 2331
When does Delaware's workers' compensation chapter apply to farm laborers?19 Del. C. § 2307(b)
Where Delaware workers' compensation has been paid under an approved agreement, how long after the last receipted payment before a statute of limitation takes effect?19 Del. C. § 2361(b)
Where must bonds of Delaware workers' compensation insurance carriers and self-insurers be deposited?19 Del. C. § 2372(b)
Surplus lines brokers 15
A Delaware business buys coverage directly from a nonadmitted insurer with no broker involved. Who reports the purchase and pays the premium tax?18 Del. C. § 1926(d)
A Delaware insured pays the premium to the surplus lines broker who placed the risk, and the broker never forwards it. As between insurer and insured, what is the result?18 Del. C. § 1919(a)
A Delaware surplus lines broker comes to doubt the stability of a nonadmitted insurer it uses. Besides telling the Commissioner, what must the broker do?18 Del. C. § 1913(e)
A Delaware surplus lines broker fails without just cause to file the annual statement or remit the tax. What fine applies?18 Del. C. § 1927(a)
A person unlawfully helps place Delaware coverage with a nonadmitted insurer, and the insurer fails to pay a claim. What is that person's exposure to the insured?18 Del. C. § 1911(d)
Before a surplus lines contract binds a Delaware home state insured, what must the broker tell the insured in writing?18 Del. C. § 1917(a)
By what date each year must a Delaware surplus lines broker file its verified statement of the preceding year's business?18 Del. C. § 1924(a)
The Delaware Commissioner revokes a broker's surplus lines license. What happens to the same individual's other insurance licenses?18 Del. C. § 1921(c)
Delaware waives the penalty for placing surplus lines without a license if the Commissioner receives a license application within how long after a multi-state policy takes effect?18 Del. C. § 1920(b)
For how long after issuance must a Delaware surplus lines broker's record of a coverage stay open to examination by the Commissioner?18 Del. C. § 1923(b)
To be a Delaware 'exempt commercial purchaser' a buyer must have paid nationwide commercial property and casualty premiums above what amount in the preceding 12 months?18 Del. C. § 1914(b)(2)
Unless the Commissioner rules otherwise, how does Delaware's surplus lines chapter treat life and health insurance?18 Del. C. § 1905(a)
What tax does a Delaware surplus lines broker collect on gross premiums for a home state insured?18 Del. C. § 1925(b)
Which purpose bars the export of a Delaware risk to a nonadmitted insurer?18 Del. C. § 1912(a)(4)
Who may perform the diligent search of the admitted market that Delaware requires before a surplus lines placement?18 Del. C. § 1912(c)(1)
Premium financing and credit information 15
A Delaware consumer lost a job through no fault of their own and asks the insurer for a credit exception. How long must the job loss have lasted to count as an extraordinary life circumstance?18 Del. C. § 8305(a)(6)
A Delaware insurer may not count a bankruptcy against a consumer in an insurance score once the adjudication is older than what?18 Del. C. § 8304(a)(7)
A Delaware insurer takes an adverse action based on credit information. How many primary factors must its notice to the consumer describe?18 Del. C. § 8308(2)
A Delaware policyholder asks for a rerate on a current credit report. How often, at most, must the insurer recalculate the insurance score?18 Del. C. § 8304(a)(6)
A Delaware premium finance agreement may add a delinquency charge once an installment has been in default for how long?18 Del. C. § 4808
After a Delaware premium finance company cancels a financed policy, how long does the insurer have to return the gross unearned premium to it?18 Del. C. § 4809(f)
The federal dispute process shows a Delaware insured's credit information was wrong. How soon after notice must the insurer re-underwrite and rerate?18 Del. C. § 8306
In place of suspending a Delaware premium finance company's license for a first offense, what administrative penalty may the Commissioner impose?18 Del. C. § 4804(b)
In what size of type must a Delaware insurer print its yearly notice that policyholders may have their credit information reviewed?18 Del. C. § 8307(c)
May a Delaware insured pay off a premium finance agreement early, whatever the agreement says?18 Del. C. § 4807(d)
On top of the service charge, what nonrefundable initial charge may a Delaware premium finance company add to each contract?18 Del. C. § 4807(c)
What is the most a Delaware premium finance company may charge as its service charge, apart from the one-time initial charge?18 Del. C. § 4807(c)
Which of these may a Delaware insurer NOT use as a factor in calculating an insurance score?18 Del. C. § 8304(a)(1)
Which of these needs no Delaware premium finance company license to finance insurance premiums?18 Del. C. § 4810(a)
Which policy is outside Delaware's chapter on the use of credit information?18 Del. C. § 8302
Claim and trade practices 5
A Delaware court enters judgment against an insurer on a property insurance policy. What must it allow the plaintiff as part of the costs?18 Del. C. § 4102
A member of a Delaware household belongs to a certified volunteer fire company. How may the homeowner's insurer treat that membership?18 Del. C. § 2304(28)
Delaware lists acts such as refusing to pay claims without a reasonable investigation. When does such an act become an unfair claim settlement practice?18 Del. C. § 2304(16)
When may a Delaware property or casualty producer give a discount that the policy itself does not specify?18 Del. C. § 2304(15)
While a casualty claim is pending in Delaware, what must the insurer tell the claimant in writing?18 Del. C. § 3914
How this list was compiled: Own questions, written from the Delaware Code: Title 18 (Insurance Code) chapters 19, 23, 25, 39, 41, 42, 48 and 83, Title 21 chapters 21 and 29 and Title 19 chapter 23, read on 2026-10-14 in the Delaware Code Online of the State of Delaware (https://delcode.delaware.gov/). Each question names its section and links to it. The topics follow the Property State Specific content outline (35 scoreable questions plus 7 pretest questions) and the Casualty State Specific content outline (45 scoreable questions plus 9 pretest questions), effective January 15, 2025, in the Licensing Examination Candidate Handbook that the Delaware Department of Insurance links from its Producer Licensing page, https://insurance.delaware.gov/divisions/renewlicense/ (the handbook: https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/120800.pdf); each outline prints Delaware Code sections beside its topics. 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, a study guidebook or an exam question pool.
How it works
This unofficial Delaware property and casualty practice test covers the state part of the Property and Casualty exams: 144 of our own questions from the Delaware Code. Policy forms are not asked. Not affiliated with the Delaware Department of Insurance.
Read the full guide
Two Delaware exams, not one
Delaware gives no combined exam: Property and Casualty are separate, each with a general part and a state part. Both state parts ask surplus lines, the guaranty association, premium financing and credit scoring. Property adds the FAIR plan and the declination and cancellation rules; Casualty adds auto insurance and workers' compensation.
What is left to the life and health page
License regulations, marketing practices and the Commissioner open both outlines and are drilled on the Delaware life and health page. Here trade practices appear only as they touch property and casualty claims and rebates.
An assigned risk auto policy carries a 10 percent surcharge, 50 percent after a drunk driving conviction, for three years (21 Del. C. § 2905).
Surplus lines brokers collect a 3 percent tax and file by March 1 each year (18 Del. C. §§ 1924, 1925).
Homeowner's nonrenewal on claims alone: 3 weather claims in 36 months, 2 others in 60 or 3 mixed in 48 (18 Del. C. § 4130).
Questions and answers
How many questions are on the Delaware property and casualty exam?
There are two exams. The candidate handbook lists 50 scored general questions for each, in 1 hour 15 minutes. The Property state part has 35 scored questions and the Casualty state part 45, each in 1 hour.
What score do you need to pass the Delaware property and casualty exams?
The handbook names no figure for these two exams. It says scores are scaled from 0 to 100, that some exams need 70 and others 80, and that the passing score is printed on the score report.
What are Delaware's minimum auto insurance limits?
21 Del. C. § 2902 sets liability limits of $25,000 for one person, $50,000 for two or more and $10,000 for property. Section 2118 adds personal injury protection of $15,000 a person and $30,000 an accident.
How much notice must a Delaware insurer give to cancel a policy?
Thirty days on a personal auto policy, fifteen for nonpayment (18 Del. C. § 3905). Thirty days on a homeowner's policy, ten for nonpayment (§ 4122). Sixty days on a commercial auto policy, ten for nonpayment (§ 3920).