A North Carolina adjuster recommends a repair shop to a property damage claimant. What must the claimant be clearly told?G.S. 58-33-76
A North Carolina producer negotiates a policy for a customer and takes the premium. For receiving that premium, whose agent is the producer?G.S. 58-33-100
An applicant for a North Carolina adjuster's license works under a learner's permit from the Commissioner. How many days does the learning period run?G.S. 58-33-70
For how long at most may the North Carolina Commissioner let an experienced out-of-state motor vehicle damage appraiser do emergency appraisal work without a North Carolina license?G.S. 58-33-70
How does North Carolina's licensing statute describe the property line of authority?G.S. 58-33-26
How many adjuster learner's permits may North Carolina ever issue to one individual?G.S. 58-33-70
In North Carolina's producer licensing statute, which line of authority is coverage against legal liability, including liability for death, injury, disability or damage to real or personal property?G.S. 58-33-26
In North Carolina, an adjuster investigates or reports on claims under insurance contracts other than which kinds?G.S. 58-33-10
Show all 125 questions (117 more)
Producer, adjuster and appraiser licensing, continued
In North Carolina, what is the offense of adjusting a claim under an insurance contract not authorized by the laws of the State?G.S. 58-33-115
May a North Carolina adjuster accept a gratuity from a repair service for recommending it to a claimant?G.S. 58-33-76
On what date each year are North Carolina adjuster and motor vehicle damage appraiser licenses renewed, unless staggered dates are set?G.S. 58-33-26
What does North Carolina law say about a licensed adjuster who engages in the practice of law?G.S. 58-33-70
What does the personal lines authority on a North Carolina producer license cover?G.S. 58-33-26
When may a North Carolina insurance producer act as an adjuster without an adjuster license?G.S. 58-33-70
Which losses may a North Carolina insurance producer never adjust?G.S. 58-33-70
Which two kinds of insurance does North Carolina's licensing article name in its definition of limited lines insurance?G.S. 58-33-10
Who is not deemed an adjuster under North Carolina's licensing article?G.S. 58-33-10
Unfair practices in property and casualty 7
A North Carolina insurer delays a clear payment under one portion of a policy to influence settlement under another portion. Done as a general business practice, what is this?G.S. 58-63-15
For a North Carolina loan secured by property, a lender may not require property and casualty insurance on one risk above what amount?G.S. 58-63-15
Under North Carolina's unfair claim settlement list, what must accompany a claim payment to an insured?G.S. 58-63-15
Under North Carolina's unfair trade practice law, when may an insurer refuse to renew a property or casualty risk because of its geographic location?G.S. 58-63-15
Under the heading "misuse of borrowers' confidential information," what may a North Carolina licensee not solicit, accept or use?G.S. 58-63-15
Which act is on North Carolina's list of unfair claim settlement practices when done as a general business practice?G.S. 58-63-15
Which reason for refusing to insure a home does North Carolina list as unfair discrimination, absent a solvency reason or a legal requirement?G.S. 58-63-15
Cancellation and nonrenewal 13
A North Carolina insured pays the overdue premium before the effective date in a notice of cancellation for nonpayment. What happens to the cancellation?G.S. 58-41-15
A North Carolina insurer cancels a nonfleet private passenger auto policy for nonpayment of premium. How soon after the notice is mailed may the cancellation take effect?G.S. 58-36-85
A North Carolina insurer cancels under G.S. 58-41-15 but fails to send a copy of the notice to the insurance producer of record. What is the effect?G.S. 58-41-15
A North Carolina insurer terminates a nonfleet private passenger auto policy for a reason other than nonpayment. How long after the notice is mailed must the effective date be?G.S. 58-36-85
A North Carolina insurer under Article 41 lowers coverage limits without the policyholder asking. How far ahead must it give written notice of the change?G.S. 58-41-20
A North Carolina policy under Article 41 has been in effect for a year. How far before the cancellation date must the insurer give written notice?G.S. 58-41-15
A premium paid by credit card on a North Carolina commercial policy is charged back. From what date may a permitted cancellation take effect?G.S. 58-41-15
By what kind of mail may a North Carolina insurer give notice that it is canceling a workers' compensation policy?G.S. 58-36-105
How far before the expiration date must a North Carolina insurer give notice that it will not renew a policy under Article 41?G.S. 58-41-20
How long must a North Carolina insurer keep a record of the termination of a nonfleet private passenger auto policy?G.S. 58-36-85
To which policies do the listed cancellation reasons of North Carolina G.S. 58-41-15 not apply?G.S. 58-41-15
What happens to a North Carolina auto policy while the insurer's termination of it is under administrative and judicial review?G.S. 58-36-85
Within how many days after receiving a termination notice may a North Carolina auto policyholder file a written request for review with the Department?G.S. 58-36-85
Auto: financial responsibility and the Facility 20
A North Carolina insurer has certified a motor vehicle liability policy as proof of financial responsibility. How long after filing a notice of cancellation must it wait before the policy ends?G.S. 20-279.22
An eligible risk applies for auto liability coverage at a North Carolina producer's office during normal business hours. What must the producer do if the coverage may be ceded?G.S. 58-37-30
Besides a liability insurance policy, what does North Carolina accept as financial responsibility for a registered motor vehicle?G.S. 20-309
For at least how long must a North Carolina producer bind motor vehicle coverage applied for by an eligible risk when cession is permitted?G.S. 58-37-30
For how long must the owner of a motor vehicle registered in North Carolina maintain financial responsibility?G.S. 20-309
For North Carolina's Vehicle Financial Responsibility Act of 1957, which of these is included in the term "motor vehicle"?G.S. 20-309
G.S. 58-37-35(b)(1) lists what the North Carolina Motor Vehicle Reinsurance Facility reinsures before any additional ceding privileges. What medical payments amount does it list?G.S. 58-37-35
How many voting members sit on the Board of Governors of the North Carolina Motor Vehicle Reinsurance Facility?G.S. 58-37-35
How much of each insured's damages does North Carolina exclude from uninsured motorist property damage coverage?G.S. 20-279.21
In North Carolina, uninsured motorist bodily injury limits equal the highest bodily injury liability limits on the policy, up to what cap per person?G.S. 20-279.21
In the North Carolina Motor Vehicle Reinsurance Facility law, what does "cede" mean?G.S. 58-37-1
May a North Carolina physical damage insurer refuse coverage because the applicant has auto liability insurance through the Facility?G.S. 58-37-60
The North Carolina Division of Motor Vehicles sends an owner a notice of a lapse in financial responsibility. How long does the owner have to respond?G.S. 20-311
Under G.S. 20-279.21, a North Carolina owner's policy carries at least what limit for bodily injury to or death of one person in any one accident?G.S. 20-279.21
Under G.S. 20-279.21, a North Carolina owner's policy carries at least what limit for bodily injury to or death of two or more persons in any one accident?G.S. 20-279.21
Under G.S. 20-279.21, a North Carolina owner's policy carries at least what limit for injury to or destruction of property of others in any one accident?G.S. 20-279.21
What is the North Carolina penalty for a lapse in financial responsibility when the owner had no lapse penalty in the previous three years?G.S. 20-311
What is the North Carolina penalty for a lapse in financial responsibility when the owner was assessed two or more lapse penalties in the previous three years?G.S. 20-311
What offense does a North Carolina owner commit by operating a registered motor vehicle without the required financial responsibility?G.S. 20-313
Which insurers must belong to the North Carolina Motor Vehicle Reinsurance Facility?G.S. 58-37-5
Rate Bureau and auto rating 12
A North Carolina auto repair estimate is based on parts not made by the original manufacturer. In no smaller than what type size must the insurer's written disclosure be?G.S. 58-36-95
A North Carolina employer in good faith cannot get workers' compensation coverage in the ordinary market. For how long does the Rate Bureau bind coverage while it designates a member to issue the policy?G.S. 58-36-1
A North Carolina insurer charges more than the Bureau rate for automobile physical damage. In at least what type size must the notice on or before the declarations page appear?G.S. 58-36-30
By what date each year must the North Carolina Rate Bureau file its nonfleet private passenger motor vehicle data and any proposed rate change, unless the Commissioner allows later?G.S. 58-36-15
How long must a North Carolina insurer's rate deviation be in effect before the insurer may terminate it?G.S. 58-36-30
How often at least must records of moving traffic convictions be obtained from the North Carolina Division of Motor Vehicles for the Safe Driver Incentive Plan?G.S. 58-36-65
In North Carolina, what is an at-fault accident with only property damage of more than $2,300 but less than $3,850?G.S. 58-36-75
The North Carolina Rate Bureau makes rates for insurance on residential real property with not more than how many housing units?G.S. 58-36-1
Under North Carolina's Safe Driver Incentive Plan law, an at-fault accident with only property damage is a "major accident" at what amount?G.S. 58-36-75
Unless the Commissioner and the Bureau agree on an earlier date, a North Carolina Rate Bureau auto or residential property filing takes effect no earlier than how long after the Commissioner receives it?G.S. 58-36-15
What does North Carolina's Rate Bureau article mean by a "nonoriginal crash repair part"?G.S. 58-36-95
Which motor vehicles fall outside the North Carolina Rate Bureau's rate-making under G.S. 58-36-1(3)?G.S. 58-36-1
Beach and FAIR plans 12
A catastrophe recovery charge collected in one year under North Carolina's beach plan law may not exceed what share of policy premium?G.S. 58-45-5
By what name was North Carolina's Coastal Property Insurance Pool formerly known?G.S. 58-45-5
For what terms does the North Carolina Insurance Underwriting Association issue a policy on insurable property, apart from short term policies?G.S. 58-45-35
How long after a ruling of the North Carolina Insurance Underwriting Association does an aggrieved person have to appeal to the Commissioner?G.S. 58-45-50
To which part of North Carolina does the FAIR plan article (Article 46 of Chapter 58) not apply?G.S. 58-46-1
Under North Carolina's beach plan law, contents of habitational property can be insured up to what share of the building value?G.S. 58-45-41
What do the letters FAIR stand for in North Carolina's FAIR Plan?G.S. 58-46-5
What is the most the North Carolina Insurance Underwriting Association may insure on one freestanding commercial structure?G.S. 58-45-41
What is the most the North Carolina Insurance Underwriting Association may insure on the building of a habitational property?G.S. 58-45-41
What may a North Carolina producer appointed by a member company do for an applicant to the Insurance Underwriting Association?G.S. 58-45-35
Which body governs North Carolina's Coastal Property Insurance Pool?G.S. 58-45-5
Which of these counties is in the "coastal area" named in North Carolina's beach plan statute?G.S. 58-45-5
Standard fire policy and disaster mediation 19
A North Carolina property policy does not cover flood. In what font must the statutory warning before the declarations page be printed?G.S. 58-44-60
After a disaster claim on a North Carolina home is denied, how long does the insured have to request mediation?G.S. 58-44-85
After a written demand for appraisal under North Carolina's standard fire insurance policy, how long does each side have to select an appraiser and notify the other?G.S. 58-44-16
How much written notice must the insurer give the insured to cancel under North Carolina's standard fire insurance policy?G.S. 58-44-16
The two appraisers under North Carolina's standard fire insurance policy fail for 15 days to agree on an umpire. Who selects the umpire on request?G.S. 58-44-16
Under North Carolina's standard fire insurance policy, a suit on the policy must be commenced within how long after inception of the loss?G.S. 58-44-16
Under North Carolina's standard fire insurance policy, how much written notice cancels the interest of a designated mortgagee not named as the insured?G.S. 58-44-16
Under North Carolina's standard fire insurance policy, property removed to a proper place to preserve it from an insured peril stays covered pro rata for how long?G.S. 58-44-16
Under North Carolina's standard fire insurance policy, the insurer may choose to repair, rebuild or replace the property by giving notice within how long after it receives the proof of loss?G.S. 58-44-16
Under North Carolina's standard fire insurance policy, when is the insurer liable for a loss that results from explosion or riot?G.S. 58-44-16
Unless the policy says otherwise in writing, North Carolina's standard fire insurance policy does not cover loss while a described building is vacant or unoccupied beyond how many consecutive days?G.S. 58-44-16
What does North Carolina's standard fire insurance policy require for a valid assignment of the policy?G.S. 58-44-16
What does North Carolina's standard fire insurance policy say about abandoning damaged property to the insurer?G.S. 58-44-16
When is a North Carolina insurer not required to send notice of the right to mediate a disaster-related residential property claim?G.S. 58-44-80
Which coverage must be offered to North Carolina insureds who request a farmowners' policy on farm buildings?G.S. 58-44-55
Which policies are excepted from North Carolina's rule that a fire policy must conform to the standard fire insurance policy?G.S. 58-44-16
Which property does North Carolina's standard fire insurance policy cover only when the policy specifically names it in writing?G.S. 58-44-16
Who pays for an appraisal under North Carolina's standard fire insurance policy?G.S. 58-44-16
Within how long after a loss must the insured render a signed and sworn proof of loss under North Carolina's standard fire insurance policy, unless the insurer extends the time in writing?G.S. 58-44-16
Insurance Guaranty Association 9
A North Carolina claimant has a covered claim against an insolvent insurer and also a claim under a solvent insurer's policy. What must the claimant do first?G.S. 58-48-55
For administration and assessment, North Carolina's property and casualty guaranty association keeps three separate accounts. Which are they?G.S. 58-48-25
The North Carolina Insurance Guaranty Association is obligated on covered claims arising within how long after the determination of insolvency?G.S. 58-48-35
The North Carolina Insurance Guaranty Association's obligation covers the part of a covered claim above $50 and below what amount?G.S. 58-48-35
What is the most a member insurer may be assessed in one year on one account of the North Carolina Insurance Guaranty Association?G.S. 58-48-35
What is the most the North Carolina Insurance Guaranty Association pays per policy on a covered claim for the return of unearned premium?G.S. 58-48-35
Which amount is left out of a "covered claim" under the North Carolina Insurance Guaranty Association Act?G.S. 58-48-20
Which covered claim does the North Carolina Insurance Guaranty Association pay in full?G.S. 58-48-35
Who sits on the board of the North Carolina Insurance Guaranty Association as a non-voting member appointed by the Commissioner?G.S. 58-48-30
Workers' compensation 16
A North Carolina employer lets its workers' compensation insurance lapse. Within how long must it take down posted notices saying it is insured?G.S. 97-93
A North Carolina employer of domestic servants buys a workers' compensation policy. What follows under the Act?G.S. 97-13
A North Carolina worker is paid nothing after an injury. The right to compensation is barred unless a claim is filed with the Industrial Commission within how long after the accident?G.S. 97-24
A North Carolina worker's disability lasts longer than how many days before compensation is allowed from the date of the disability?G.S. 97-28
A private North Carolina business falls under the Workers' Compensation Act when it regularly employs at least how many employees in the same business?G.S. 97-2
Agriculture comes under North Carolina's Workers' Compensation Act when the employer regularly employs at least how many full-time nonseasonal agricultural workers?G.S. 97-2
For how many calendar days of disability at the start is no North Carolina workers' compensation wage benefit allowed?G.S. 97-28
How may an executive officer of a North Carolina corporation be taken out of the corporation's workers' compensation coverage?G.S. 97-2
No North Carolina workers' compensation is payable unless written notice of the accident is given to the employer within how long, absent a reasonable excuse?G.S. 97-22
To which workers does North Carolina's Workers' Compensation Act not apply?G.S. 97-13
Unless extended compensation is granted, North Carolina temporary total disability compensation ends how many weeks from the date of first disability?G.S. 97-29
What is the daily penalty on a North Carolina employer that refuses or neglects to secure workers' compensation?G.S. 97-94
What is the most North Carolina's Workers' Compensation Act allows for burial expenses when death results from a compensable injury?G.S. 97-38
What share of average weekly wages is the weekly compensation for total disability under North Carolina's Workers' Compensation Act, within the yearly maximum?G.S. 97-29
When a North Carolina employer or insurer admits the employee's right to compensation, the first installment is due on which day after notice of the injury?G.S. 97-18
Which North Carolina private employer is covered by the Workers' Compensation Act with even one employee?G.S. 97-2
How this list was compiled: North Carolina General Statutes: Chapter 58, Article 33 (licensing), Article 36 (North Carolina Rate Bureau), Article 37 (Motor Vehicle Reinsurance Facility), Article 41 (cancellation and nonrenewal), Article 44 (fire insurance policies), Articles 45 and 46 (beach and FAIR plans), Article 48 (Insurance Guaranty Association) and Article 63 (unfair trade practices); Chapter 20, Articles 9A and 13 (motor vehicle financial responsibility); and Chapter 97, Article 1 (Workers' Compensation Act), read on the General Assembly website ncleg.gov on October 4, 2026. 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 NC property and casualty practice test asks the law only: 125 free questions written from the North Carolina General Statutes, workers' compensation and auto financial responsibility included. Policy forms, coverage theory and textbook material are not asked.
Read the full guide
What the North Carolina law questions cover
Nine groups: producer, adjuster and appraiser licensing, unfair practices, cancellation and nonrenewal, auto financial responsibility and the Reinsurance Facility, the Rate Bureau, the Beach and FAIR plans, the standard fire policy, the Insurance Guaranty Association and workers' compensation. Missed questions wait in their own pile.
Why a fire policy is in a law test
North Carolina writes its standard fire insurance policy into G.S. 58-44-16, so its notice days, appraisal steps and suit deadline are statute. No other policy form is asked. Each answer names its G.S. section and links to ncleg.gov.
Minimum auto liability limits: $50,000 for one person, $100,000 for two or more, $50,000 for property (G.S. 20-279.21).
Standard fire policy: proof of loss within 60 days, suit within three years after inception of the loss (G.S. 58-44-16).
Nonfleet private passenger auto: 15 days' notice for nonpayment, at least 60 days for another reason (G.S. 58-36-85).
Questions and answers
How many questions are on the NC property and casualty exam?
This page does not give that number. No statute read for this bank sets the exam's length, time limit or pass mark, and none was copied from the Department of Insurance. Exam mode draws 25 questions as a set size only.
What is on this NC property and casualty practice test?
North Carolina law only: licensing, unfair practices, cancellation, auto financial responsibility, the Rate Bureau, the Beach and FAIR plans, the standard fire policy, the guaranty association and workers' compensation. Homeowners and auto policy forms and general insurance theory are not asked.
What are North Carolina's minimum auto liability limits?
Under G.S. 20-279.21(b)(2), an owner's policy insures to $50,000 for bodily injury to or death of one person, $100,000 for two or more persons in one accident, and $50,000 for injury to or destruction of others' property.
How much notice must a North Carolina insurer give to cancel an auto policy?
For a nonfleet private passenger auto policy, G.S. 58-36-85(c) allows termination for nonpayment of premium 15 days from the date the notice is mailed. For any other reason the effective date must be at least 60 days after the notice is mailed.
Are these the real NC state exam questions?
No. Every question was written for this page from the General Statutes on ncleg.gov. The state exam belongs to the North Carolina Department of Insurance, which has not reviewed this page.