A licensed Indiana driver has a disability as defined in the federal Social Security guidelines. What does IC 27-7-6-12 forbid an auto insurer to do?IC 27-7-6-12(b)
After a hearing under IC 27-7-6-11, the Indiana commissioner finds that no reason for the auto cancellation in fact exists. What follows?IC 27-7-6-11(c)
After an Indiana residential property policy has been in effect more than 60 days, which of these may a cancellation be based on?IC 27-7-12-6
An Indiana applicant once bought property coverage through a residual market insurance mechanism. How does IC 27-7-12-7 treat that fact?IC 27-7-12-7
An Indiana auto policy was placed by an independent insurance producer. How long before mailing the cancellation notice to the insured must the insurer mail notice of intent to that producer?IC 27-7-6-5(b)
An Indiana commercial insured perpetrated a material misrepresentation upon the insurer. How much written notice of cancellation does IC 27-1-31-2 require?IC 27-1-31-2(b)
An Indiana commercial policy has been in effect 40 days. The insurer cancels for an underwriting reason that is neither nonpayment nor fraud. How much notice is required?IC 27-1-31-2.5
Show all 112 questions (105 more)
Cancellation and nonrenewal, continued
An Indiana homeowners policy has been in force for five months. How much written notice must the insurer mail before cancelling it for a reason other than nonpayment?IC 27-7-12-3(b)
An Indiana insured asks in writing why an auto policy is being cancelled. How soon after it receives the request must the insurer give the reason?IC 27-7-6-9
An Indiana insurer refuses to renew a one-year commercial liability policy issued to a private business. How long before the expiration date must notice be mailed?IC 27-1-31-3(a)
An Indiana insurer sends no notice of nonrenewal on a residential property policy, and the insured pays the premium. What does IC 27-7-12-5 say about coverage?IC 27-7-12-5(b)
An Indiana named insured disputes the truth of the reason for an auto cancellation and applies to the commissioner for a hearing. What filing fee goes with the application?IC 27-7-6-11(f)
An insurer will not renew a commercial policy issued to an Indiana county entity. How long before the anniversary date must notice of nonrenewal be mailed?IC 27-1-31-3(b)
Delinquent real property taxes are a ground for cancelling an Indiana residential property policy once they have been delinquent for how long?IC 27-7-12-6
For an Indiana auto policy issued or renewed on or after January 1, 2027, how much advance notice of nonrenewal must the insurer mail to the named insured?IC 27-7-6-6(a)
For an Indiana homeowners policy issued or renewed on or after January 1, 2027, how long before the policy period expires must a notice of nonrenewal be mailed?IC 27-7-12-4(a)
For Indiana's auto cancellation chapter, a policy with no fixed expiration date is treated as written for what policy period?IC 27-7-6-3
From January 1, 2027, an Indiana insurer that nonrenews a homeowners policy solely on aerial images must use photos taken within what period?IC 27-7-12-6.5(a)
How many days' notice must an Indiana insurer mail to cancel an auto policy for nonpayment of premium?IC 27-7-6-5(a)
How much written notice must an Indiana insurer mail before cancelling a homeowners policy for nonpayment of a premium?IC 27-7-12-3(b)
IC 27-7-12-9 makes Indiana producers and insurers immune from civil liability for statements giving the reasons for a termination. Which statements lose that immunity?IC 27-7-12-9(b)
Indiana limits the grounds for cancelling a commercial property and casualty policy once the policy has been in effect more than how long?IC 27-1-31-2(a)
Indiana's list of authorized reasons for cancelling an auto policy does not apply to a new policy in effect less than how long?IC 27-7-6-4
Indiana's residential property termination chapter covers real property of not more than how many residential units, one being the named insured's principal residence?IC 27-7-12-1(a)
Reinsurance of the risk under an Indiana commercial policy in force for two years is cancelled. How much written notice of cancellation must the insurer mail?IC 27-1-31-2(b)
To learn the reason for an Indiana auto cancellation, the named insured's written request must reach the insurer at least how long before the cancellation takes effect?IC 27-7-6-9
Under IC 27-7-12-6.5, how long must an Indiana insurer give a named insured to cure the property conditions behind an aerial image nonrenewal?IC 27-7-12-6.5(a)
What is sufficient proof that an Indiana auto insurer gave notice of cancellation or of intention not to renew?IC 27-7-6-7
When is an Indiana auto insurer excused from sending a notice of intention not to renew under IC 27-7-6-6(d)?IC 27-7-6-6(d)
Which Indiana policy is outside the auto cancellation and nonrenewal chapter, IC 27-7-6?IC 27-7-6-2
Which of these is a ground for cancelling an Indiana commercial policy that has been in effect for more than 90 days?IC 27-1-31-2(a)
Which of these is an authorized reason for cancelling an Indiana auto policy under IC 27-7-6-4?IC 27-7-6-4
Auto liability, uninsured motorist and rideshare 19
An Indiana driver suspended for failing to maintain financial responsibility shows proof of future financial responsibility. For how long does the bureau stay the suspension?IC 9-25-4-3(e)
An Indiana insured wants uninsured motorist property damage coverage. What other coverage must the insured also have under IC 27-7-5-2(b)?IC 27-7-5-2(b)
An Indiana insurer gets written notice of a bona fide settlement offer between its insured and an underinsured motorist. To keep its subrogation right, within what time must it advance the offered amount?IC 27-7-5-6(b)
An Indiana insurer may offer uninsured motorist property damage coverage with a deductible of not more than what amount?IC 27-7-5-3(a)
An Indiana recovery vehicle has a gross vehicle weight rating greater than 16,000 pounds. What combined single limit meets its minimum standard for financial responsibility?IC 9-25-4-6(a)
An Indiana rideshare driver is logged on to the network but has not accepted a ride. What per incident limit for death and bodily injury is required?IC 8-2.1-19.1-8(a)
An Indiana rideshare driver's own motor vehicle insurance has lapsed. From what point must the transportation network company's insurance provide the required coverage?IC 8-2.1-19.1-8(b)
An unidentified driver damages an Indiana insured's car and cannot be found. What does IC 27-7-5-3(c) say about the uninsured motorist property damage claim?IC 27-7-5-3(c)
Besides a motor vehicle liability policy or a bond, what puts financial responsibility in effect for an Indiana motor vehicle under IC 9-25-4-4?IC 9-25-4-4(a)
Besides naming the coverage being rejected, what must a written rejection of uninsured or underinsured motorist coverage specify in Indiana?IC 27-7-5-2(c)
Since July 1, 2018, what is Indiana's minimum amount of financial responsibility for damage to or the destruction of property in one accident?IC 9-25-4-5
Unless rejected in writing, in what limits must uninsured and underinsured motorist coverages be provided on an Indiana auto policy?IC 27-7-5-2(a)
What is Indiana's minimum amount of financial responsibility for bodily injury to or the death of one individual?IC 9-25-4-5
What may an Indiana personal auto insurer do about a loss that occurs while the driver is logged on to a transportation network company's digital network?IC 8-2.1-19.1-10(a)
What minimum amount of financial responsibility does Indiana set for bodily injury to or the death of two or more individuals in any one accident?IC 9-25-4-5
What primary liability limit does Indiana require while a transportation network company driver is engaged in a prearranged ride?IC 8-2.1-19.1-8(a)
When must the deductible on Indiana uninsured motorist property damage coverage be waived?IC 27-7-5-3(a)
Which loss is left out of what an Indiana insured may recover under uninsured motorist property damage coverage?IC 27-7-5-3(b)
Who must approve a motor vehicle liability policy used to meet Indiana's financial responsibility article?IC 9-25-4-4(b)
Mine subsidence and assigned risk 11
After receiving a loss report, within what time must the Indiana commissioner reimburse an insurer for a paid mine subsidence claim?IC 27-7-9-12
An Indiana insurer cedes all of its mine subsidence coverage to the commissioner under a reinsurance agreement. What is the maximum limit per structure insured?IC 27-7-9-9(a)
How may Indiana's worker's compensation assigned risk plan be eliminated or substantially modified?IC 27-7-2-28.1(e)
How must the premium for mine subsidence coverage be shown when an Indiana insurer quotes it with a property policy?IC 27-7-9-8(c)
The Indiana commissioner sets the premium level for mine subsidence insurance. What does IC 27-7-9-10 say about an insurer deviating from it?IC 27-7-9-10(c)
Rates for Indiana's worker's compensation assigned risk plan must include at least how many rating plans?IC 27-7-2-28.1(c)
Two mine subsidence events that are continuous damage an Indiana home. How does IC 27-7-9-8.5 count them for the amount payable?IC 27-7-9-8.5(b)
Which Indiana agency identifies the counties where mine subsidence insurance is available?IC 27-7-9-6
Which of these is not a 'structure' for Indiana mine subsidence insurance?IC 27-7-9-5
Who administers Indiana's mine subsidence insurance fund?IC 27-7-9-7(a)
Who administers Indiana's worker's compensation assigned risk plan?IC 27-7-2-28.1(b)
Worker's compensation 12
A person in the service of another is not an 'employee' under Indiana's worker's compensation law when the employment is what?IC 22-3-6-1(b)
An application to modify an Indiana worker's compensation award for a change in conditions may not be filed after how long from the last day for which compensation was paid?IC 22-3-3-27(c)
An Indiana business hires a contractor without asking for a worker's compensation board certificate. It is liable as the contractor is when the work is worth more than what amount?IC 22-3-2-14(b)
An Indiana employee dies from a compensable work accident. Up to what amount must the employer pay the burial expenses?IC 22-3-3-21
An Indiana employer has no knowledge of a work injury. Unless written notice is given within what time is no compensation paid until the notice is given?IC 22-3-3-1
An officer of an Indiana corporation elects not to be an employee for worker's compensation. On whom must the officer serve written notice of the election?IC 22-3-6-1(b)
Before permanent impairment is adjudicated, what must an Indiana employer furnish an injured employee free of charge?IC 22-3-3-4(a)
For an injury on or after July 1, 1976, what share of average weekly wages is paid as weekly compensation for temporary total disability in Indiana?IC 22-3-3-8
How does the state of Indiana cover its own liability for worker's compensation under IC 22-3-2-5?IC 22-3-2-5(b)
Indiana compensation for the first seven calendar days of a disability is allowed only if the disability lasts longer than how many days?IC 22-3-3-8
Under Indiana's worker's compensation law, an unmarried child living with a parent is conclusively presumed wholly dependent on that parent up to what age?IC 22-3-3-19(a)
Which workers does IC 22-3-2-2(b) place outside Indiana's worker's compensation law?IC 22-3-2-2(b)
Insurance guaranty association 7
A claimant against an insolvent Indiana insurer also has coverage for the same loss under another insurer's policy. What does IC 27-6-8-11 require first?IC 27-6-8-11(b)
A first party claim for damage to property with a permanent location could be recovered from more than one state's guaranty association. Under IC 27-6-8-11, where is recovery sought first?IC 27-6-8-11(d)
For a claim to be a 'covered claim' of the Indiana Insurance Guaranty Association, where must the claimant or insured reside at the time of the insured event?IC 27-6-8-4(a)
The Indiana guaranty association may recover what it paid for a high net worth insured whose net worth exceeds what amount?IC 27-6-8-4(a)
The Indiana Insurance Guaranty Association pays covered claims existing before the order of liquidation, and those arising within how long after it?IC 27-6-8-7(a)
On a claim for return of unearned premium, the Indiana Insurance Guaranty Association pays only the amount of each covered claim above what figure?IC 27-6-8-7(a)
What cap does IC 27-6-8-7 put on all first and third party claims under an insolvent insurer's cybersecurity insurance coverage that arise from a single insured event?IC 27-6-8-7(a)
Unfair competition and claim complaints 9
A producer misrepresents facts to a policyholder of another company to induce the policyholder to do what? IC 27-4-1-4(a)(1)(E) names three things.IC 27-4-1-4(a)
An Indiana insurer receives notice of an unfair claim settlement practice complaint. Within what time must it give the commissioner and the complaining party a written report?IC 27-4-1-5.6(d)
An Indiana lender makes a mortgage loan on a house. Under IC 27-4-1-4(a)(9), what may the lender still do about the borrower's property insurance?IC 27-4-1-4(a)
An insurer lets an unlicensed person sell insurance for it in Indiana. How does IC 27-1-15.6-3 class that violation?IC 27-1-15.6-3(c)
IC 27-4-1-4(a)(3) makes it an unfair practice in Indiana to circulate certain statements about an insurer's financial condition. Which statements?IC 27-4-1-4(a)
The Indiana commissioner believes a written complaint shows an unfair claim settlement practice. Within what time must a copy be delivered to the insurer?IC 27-4-1-5.6(c)
Indiana's rating law forbids rebates of the premium named in a policy. Which payment does IC 27-1-22-18 say it does not prohibit?IC 27-1-22-18(b)
What notice about unfair claim settlement complaints must an Indiana insurer give each current policyholder under IC 27-4-1-5.6(f)?IC 27-4-1-5.6(f)
When may a public adjuster file an unfair claim settlement practice complaint with the Indiana commissioner for a claimant?IC 27-4-1-5.6(b)
Commissioner, producers, surplus lines and consultants 22
A person sold an Indiana policy while licensed and has since let the license go. What does IC 27-1-15.6-13 say about renewal commissions on that policy?IC 27-1-15.6-13(c)
An Indiana resident producer moves to another state. Within what time must a change of address be filed with the Indiana department of insurance?IC 27-1-15.6-8(c)
An Indiana surplus lines producer files an affidavit of the prior month's transactions with the department. By what day of each month?IC 27-1-15.8-4(b)
An Indiana surplus lines producer remits the gross premium amount late. What first penalty does the commissioner assess?IC 27-1-15.8-4(h)
An unauthorized insurer issues a policy on an Indiana risk through a surplus lines producer. Whom is it considered to have appointed for service of process?IC 27-1-15.8-4(e)
At a minimum, how often must the Indiana commissioner examine every insurer licensed in the state?IC 27-1-3.1-8(a)
By what date each year must an Indiana surplus lines producer remit the gross premium amount for the preceding calendar year?IC 27-1-15.8-4(a)
For how long is an Indiana insurance consultant license valid before it must be renewed?IC 27-1-15.6-23(f)
How long must an Indiana insurance consultant keep the signed written agreement after the services are completed?IC 27-1-15.6-23(c)
In Indiana's producer licensing law, which word means attempting to sell insurance, or urging a person to apply for a particular kind of insurance from a particular company?IC 27-1-15.6-2
In place of its own examination of a foreign insurer, the Indiana commissioner may accept the home state's report when that insurance department was what?IC 27-1-3.1-8(d)
On what basis does IC 27-1-1-2 say the Indiana insurance commissioner is chosen?IC 27-1-1-2(a)
To which of these may the Indiana commissioner issue a limited lines producer's license without examination?IC 27-1-15.6-18
What authority to represent or commit an insurance carrier does an Indiana producer license create by itself?IC 27-1-15.6-2
What bond must the Indiana insurance commissioner give for the faithful performance of the office?IC 27-1-1-2(a)
What must a foreign or alien insurance company do before transacting business in Indiana?IC 27-1-17-1
What must an applicant for an Indiana surplus lines producer's license already hold?IC 27-1-15.8-3(b)
What must an Indiana insurance producer become before acting as an agent of an insurer?IC 27-1-15.6-14
What share of gross premiums must an Indiana surplus lines producer collect from insureds and remit to the department each year?IC 27-1-15.8-4(a)
Which employee of an Indiana insurer needs no producer license under IC 27-1-15.6-4, provided no commission is received?IC 27-1-15.6-4(c)
Which license may an Indiana individual not hold at the same time as an insurance consultant license?IC 27-1-15.6-23(d)
Who may give insurance advice for a fee in Indiana without an insurance consultant license?IC 27-1-15.6-23(a)
How this list was compiled: Own questions, written from the Indiana Code, 2026 edition, as published by the Indiana General Assembly at https://iga.in.gov/laws/2026/ic/titles/27 (full text files https://iga.in.gov/ic/2026/Title_27.html, Title_22.html, Title_9.html and Title_8.html), read on October 13, 2026: IC 27-1-1-2, 27-1-3.1-8, 27-1-15.6, 27-1-15.8, 27-1-17-1, 27-1-22-18, 27-1-31, 27-4-1, 27-6-8, 27-7-2-28.1, 27-7-5, 27-7-6, 27-7-9 and 27-7-12; IC 22-3-2, 22-3-3 and 22-3-6-1 (worker's compensation); IC 9-25-4 (financial responsibility); IC 8-2.1-19.1 (transportation network companies). Each question names its section and links to it. The topics follow the Property & Casualty Indiana Specific outline (State Laws, Rules and Regulations) in the Indiana Insurance Content Outlines effective November 26, 2025, which print Indiana Code references beside each topic; the outlines and the Indiana Insurance Examination Candidate Handbook (August 2026) are linked from the Indiana Department of Insurance's examination procedure page, https://www.in.gov/idoi/licensing/resident-licensing/examination-procedure-checklist (the outlines: https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121501.pdf; the handbook: https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121500.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 Indiana P and C insurance practice test covers the state law part of the Property & Casualty producer exam: 112 questions from the Indiana Code. Policy forms are not asked. Not affiliated with the Indiana Department of Insurance.
Read the full guide
Indiana property and casualty study guide: the state law part
The outline effective November 26, 2025 splits the Indiana part four ways: law common to all lines, surplus lines, personal lines regulations and commercial lines regulations. Producer licensing is on the Indiana life and health page, so the common part here asks the commissioner, surplus lines producers and consultants.
Indiana P C insurance study guide: the notice days
Cancellation and nonrenewal is the largest topic, because auto, homeowners and commercial policies each have their own notice days. Two nonrenewal periods were changed in 2026 for policies issued or renewed on or after January 1, 2027; those questions say so.
Auto cancellation: 20 days' notice, 10 for nonpayment; the insured may ask for the reason up to 15 days before the date (IC 27-7-6-5, 27-7-6-9).
A commercial policy over 90 days old: 45 days for a changed risk or cancelled reinsurance, 20 for fraud, 10 for nonpayment (IC 27-1-31-2).
Surplus lines producers remit 2 1/2 percent of gross premiums by February 1 each year (IC 27-1-15.8-4).
Questions and answers
How many questions are on the Indiana property and casualty exam?
The August 2026 candidate handbook lists 150 questions in 180 minutes. The outline scores 100 general questions and 35 on Indiana law, and the other 15 are unscored pretest questions. Exam mode here draws 35.
What is the passing score for the Indiana insurance exam?
The handbook's table gives 70 for every exam and says a candidate must reach 70% to pass. The Indiana Department of Insurance sets that score for the exam as a whole, general part included.
What are Indiana's minimum auto liability limits?
IC 9-25-4-5 sets $25,000 for bodily injury to or the death of one individual, $50,000 for two or more individuals in one accident, and $25,000 for damage to property in one accident.
Is this Indiana P and C insurance practice test free?
Yes. The questions are our own, and your answers stay in your browser. The Indiana Department of Insurance did not write or review them.