A Rhode Island auto policy is cancelled for nonpayment. How long before it ends must the notice be mailed?R.I. Gen. Laws § 31-47-4(a)
A Rhode Island auto policy may be cancelled for an operator's conviction of driving while intoxicated during the policy term or within how long before the policy's effective date?230-RICR-20-05-2, § 2.4(A)(7)
A Rhode Island commercial insurer must give 60 days' notice of a renewal premium increase that is in excess of what percentage?230-RICR-20-20-1, § 1.6
A Rhode Island commercial policy in effect more than 60 days is cancelled for nonpayment of premium. How much notice is required?230-RICR-20-20-1, § 1.4(B)(1)
A Rhode Island fire policy is made payable to a mortgagee. To whom must the company give notice of cancellation?R.I. Gen. Laws § 27-5-3.4(b)
A Rhode Island insurer cancels a private passenger auto policy for a reason other than nonpayment. How long before the effective date must the written notice be delivered?230-RICR-20-05-2, § 2.5(B)
A Rhode Island personal auto or homeowner's insurer offers to renew with a material change in the policy. How long before expiration must it give written notice of the change?230-RICR-20-05-14, § 14.4(A)
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Cancellation and nonrenewal, continued
A Rhode Island personal lines residential property policy may not be nonrenewed solely because of a claim that resulted in a loss payout of less than what amount?R.I. Gen. Laws § 27-76-4
How far ahead of the end of the policy period must a Rhode Island auto insurer deliver notice of its intention not to renew?230-RICR-20-05-2, § 2.6(A)
How long before the expiration date must a Rhode Island insurer give notice that it will not renew a commercial policy?230-RICR-20-20-1, § 1.5
May a Rhode Island insurer nonrenew a residential property policy solely because of damage sustained in a catastrophic event?R.I. Gen. Laws § 27-76-8
Rhode Island's list of permitted reasons for cancelling a private passenger auto policy takes effect how long after the inception date of a new policy?230-RICR-20-05-2, § 2.4(A)
Rhode Island's protection for small residential property claims does not apply where more than one non-catastrophic claim with a loss payout is made within what period?R.I. Gen. Laws § 27-76-4
Rhode Island's renewal regulations must require written notice of coverage reductions or increased deductibles the insured did not ask for. How long before renewal must the insurer furnish it?R.I. Gen. Laws § 27-8-11(a)
Under Rhode Island's auto cancellation regulation, a policy may be cancelled when a household operator is convicted of three or more speeding or misdemeanor motor vehicle violations committed within what period?230-RICR-20-05-2, § 2.4(A)(6)
What governs the cancellation of a policy issued through the Rhode Island Automobile Insurance Plan?230-RICR-20-05-2, § 2.4(C)
Which of these is among the reasons a Rhode Island insurer may use to cancel a private passenger auto policy after the first 60 days?230-RICR-20-05-2, § 2.4(A)(3)
Which of these may NOT be a Rhode Island insurer's sole reason to cancel or refuse coverage on an owner-occupied dwelling?R.I. Gen. Laws § 27-29-4.1
Which reason may a Rhode Island insurer use to cancel a commercial policy that has been in effect more than 60 days?230-RICR-20-20-1, § 1.4(A)(5)
Binders, notices and hurricane deductibles 11
A Rhode Island hurricane deductible applies to losses from the issuance of a hurricane-warning bulletin for any part of the state until how long after the last warning bulletin ends?R.I. Gen. Laws § 27-76-2(c)(2)
A Rhode Island insurer wants to surcharge a homeowner's policy solely for property damage claims made at the property under a previous owner. When is that allowed?R.I. Gen. Laws § 27-76-7
A Rhode Island residential property policy may exclude vandalism or malicious mischief only if the dwelling has been vacant for more than how long immediately before the loss?R.I. Gen. Laws § 27-5-3.9
A windstorm deductible on Rhode Island personal lines residential property must be approved by the director and may not exceed what share of the insured value?R.I. Gen. Laws § 27-76-2(c)(1)
By at least how many examples must a Rhode Island insurer illustrate the application of a hurricane deductible to the insured?R.I. Gen. Laws § 27-76-2(c)(3)
For how long at most may a binder for temporary fire insurance run in Rhode Island?R.I. Gen. Laws § 27-5-6
How many times in a calendar year may a Rhode Island hurricane deductible be applied to an insured's hurricane losses?R.I. Gen. Laws § 27-76-3(a)
Must a Rhode Island bank or mortgage company accept an insurance binder as evidence of the insurance a loan requires?R.I. Gen. Laws § 27-5-6
What coverage must a Rhode Island insurer make available, at the insured's option, with homeowner's insurance on an owner-occupied dwelling of one to four units?R.I. Gen. Laws § 27-5-3.5
What limit does Rhode Island put on the property insurance a lending institution may require a mortgagor to carry as a condition of the mortgage?R.I. Gen. Laws § 27-5-3.2(a)
When must a Rhode Island insurer give written notice that a standard fire policy may not cover flood damage?R.I. Gen. Laws § 27-5-3.6
Auto limits, uninsured motorist and repairs 20
A Rhode Island insured tells the insurer which auto body repair shop has been selected. What may the insurer no longer do?R.I. Gen. Laws § 27-29-4(15)
A Rhode Island insurer adjusting a motor vehicle physical damage claim intends to specify aftermarket parts. What must it do?R.I. Gen. Laws § 27-10.2-2(a)
A Rhode Island insurer must have a damaged motor vehicle physically inspected by a licensed appraiser when the damage is estimated to exceed what amount?R.I. Gen. Laws § 27-9.1-4
A Rhode Island insurer pays a liability settlement to the claimant's attorney. At what payment amount must it mail written notice of the payment to the claimant?R.I. Gen. Laws § 27-7-7
A Rhode Island named insured buys only the minimum compulsory liability coverage. What must happen before the uninsured motorist limit may be reduced to zero?R.I. Gen. Laws § 27-7-2.1(a)
At what cost to rebuild, measured against fair market value, may a Rhode Island consumer choose to have a damaged motor vehicle designated a total loss?R.I. Gen. Laws § 27-9.1-4
For which Rhode Island automobiles may an insurer not refuse original equipment manufacturer parts, where the repairer has the owner's written consent to install them?R.I. Gen. Laws § 27-10.2-2(c)
How may a Rhode Island named insured decline the required medical payments coverage?R.I. Gen. Laws § 27-7-2.5(a)
In place of split limits, what combined single limit satisfies Rhode Island's motor vehicle liability policy definition?R.I. Gen. Laws § 31-32-24
In Rhode Island, what uninsured motorist limit must an insurer provide unless the named insured selects a lower limit in writing?R.I. Gen. Laws § 27-7-2.1(a)
In what minimum amount must a Rhode Island insurer offer uninsured motorist property damage coverage?230-RICR-20-05-1, § 1.4
Once Rhode Island's insurance commissioner approves an assigned risk plan for automobile liability policies, which companies take part?R.I. Gen. Laws § 31-47-16
Rhode Island's rule that a repairer needs the owner's written consent before an insurer may require aftermarket parts applies to automobiles less than how old?R.I. Gen. Laws § 27-10.2-2(b)
Through subrogation, a Rhode Island insurer collects a casualty loss from a third party. What must it pay first from the funds collected?R.I. Gen. Laws § 27-8-12
Under a Rhode Island private passenger auto policy, property damage coverage extends to a rented motor vehicle under 10,000 pounds, without regard to negligence, for how long?R.I. Gen. Laws § 27-7-6(a)(1)
Under Rhode Island's financial security law, what deposit of cash or securities with the assistant director serves as a financial security deposit for each motor vehicle?R.I. Gen. Laws § 31-47-2
Unless otherwise agreed, Rhode Island uninsured motorist property damage caused by collision is subject to what deductible per claim?R.I. Gen. Laws § 27-7-2.1(e)
What is the least medical payments coverage a Rhode Island motor vehicle liability policy must provide for each individual, unless the named insured rejects it in writing?R.I. Gen. Laws § 27-7-2.5(a)
What limit must a Rhode Island motor vehicle liability policy carry for bodily injury to or death of one person in any one accident?R.I. Gen. Laws § 31-32-24
What statement must appear in bold face print on Rhode Island evidence of financial responsibility?R.I. Gen. Laws § 31-47-12.1
Guaranty Association 8
A Rhode Island claimant has a covered claim against the guaranty association and coverage under another policy for the same loss. What is required first?R.I. Gen. Laws § 27-34-12(a)(1)
For an insolvency after January 1, 2026, what is the most the Rhode Island Property and Casualty Insurance Guaranty Association pays for all first-party property loss claims from a single occurrence?R.I. Gen. Laws § 27-34-8(a)(1)(i)(C)
In any one year, a Rhode Island member insurer may not be assessed on any account more than what share of its net direct written premiums for the preceding calendar year?R.I. Gen. Laws § 27-34-8
The Rhode Island guaranty association pays covered claims existing before the order of liquidation and those arising within how long after it?R.I. Gen. Laws § 27-34-8(a)(1)(i)
What is the most the Rhode Island guaranty association pays for all first- and third-party claims arising out of a single insured event under cybersecurity insurance coverage?R.I. Gen. Laws § 27-34-8(a)(1)(i)(D)
What is the most the Rhode Island guaranty association pays per policy on a covered claim for the return of unearned premium?R.I. Gen. Laws § 27-34-8(a)(1)(i)(B)
Which covered claim does the Rhode Island guaranty association pay in its full amount?R.I. Gen. Laws § 27-34-8(a)(1)(i)(A)
Which of these is outside Rhode Island's Property and Casualty Insurance Guaranty Association chapter?R.I. Gen. Laws § 27-34-3(3)
Workers' compensation 10
A Rhode Island employee's incapacity extends beyond the waiting period. On which day from the date of injury does compensation begin?R.I. Gen. Laws § 28-33-4
A Rhode Island employer required to secure workers' compensation knowingly fails to do so. Besides the felony, what civil fine may be imposed for each day of noncompliance?R.I. Gen. Laws § 28-36-15
A Rhode Island insurer fails to notify the director of a workers' compensation policy as the law requires. What administrative penalty may the director assess for each offense?R.I. Gen. Laws § 28-36-12
For a Rhode Island injury on or after January 1, 2022, weekly compensation for total incapacity equals what share of the employee's average weekly base wages?R.I. Gen. Laws § 28-33-17(a)(1)
How soon after the effective date must an insurer notify the Rhode Island director of labor and training that it has issued a workers' compensation policy?R.I. Gen. Laws § 28-36-12
No Rhode Island indemnity compensation is paid for an injury that does not keep the employee from earning full wages for at least how long?R.I. Gen. Laws § 28-33-4
Unless weekly compensation has begun or the impairment is latent, a Rhode Island workers' compensation petition must be filed within how long after the injury occurs or manifests?R.I. Gen. Laws § 28-35-57
What does Rhode Island's workers' compensation law say about an injured employee's other rights and remedies against the employer?R.I. Gen. Laws § 28-29-20
When a Rhode Island employee dies as a result of a work injury, what sum does the employer pay for burial expenses, in addition to other compensation?R.I. Gen. Laws § 28-33-16
Which Rhode Island work injury earns no compensation when the cause is proved?R.I. Gen. Laws § 28-33-2
Producers, surplus lines and premium finance 9
A Rhode Island insurer terminates a producer's appointment for one of the causes that support license discipline. How soon must it notify the insurance commissioner?R.I. Gen. Laws § 27-2.4-16(a)
A Rhode Island premium finance agreement may provide a delinquency charge of up to what share of an installment in default for five days or more?R.I. Gen. Laws § 19-14.6-3(a)
A Rhode Island producer receives compensation from the customer for placing insurance. Before also taking compensation from the insurer for that placement, what must the producer obtain?R.I. Gen. Laws § 27-2.4-15.1(a)
At what rate is Rhode Island's tax on the gross premiums a surplus line broker's insureds are charged, less returned premiums?R.I. Gen. Laws § 27-3-38
Before a Rhode Island premium finance company cancels a financed insurance contract under its power of attorney, how much written notice must it mail the insured?R.I. Gen. Laws § 19-14.6-4(b)
For how long at most may Rhode Island's insurance commissioner issue a temporary producer license without an examination?R.I. Gen. Laws § 27-2.4-13(a)
How soon must a Rhode Island producer report an administrative action taken against the producer in another jurisdiction?R.I. Gen. Laws § 27-2.4-18(a)
In what capacity does a Rhode Island producer hold premiums collected from a policyholder that are to be paid to an insurance company?R.I. Gen. Laws § 27-2.4-19
What cancellation charge may a Rhode Island premium finance agreement provide if a default results in cancellation of an insurance contract?R.I. Gen. Laws § 19-14.6-3(b)
Penalties 5
A Rhode Island insured signs a direction to pay a property damage benefit straight to a licensed restoration company. Up to what claim amount must the insurer honor it?R.I. Gen. Laws § 27-9.1-4
A Rhode Island named insured represented by a licensed public adjuster sends a direction to pay letter. The insurer's separate check to the public adjuster may be no more than what share of the settlement?R.I. Gen. Laws § 27-9.1-4
For an unfair claims practice not committed flagrantly, what is the largest monetary penalty Rhode Island's director may order for each violation?R.I. Gen. Laws § 27-9.1-6
For an unfair trade practice not committed flagrantly, what is the largest monetary penalty Rhode Island's commissioner may order for each violation?R.I. Gen. Laws § 27-29-6
What is the largest penalty for each violation of Rhode Island's unfair competition and practices chapter that was committed flagrantly and in conscious disregard of it?R.I. Gen. Laws § 27-29-6
How this list was compiled: Own questions, written from the Rhode Island General Laws: chapters 19-14.6, 27-2.4, 27-3, 27-5, 27-7, 27-8, 27-9.1, 27-10.2, 27-29, 27-34 and 27-76, sections 31-32-24, 31-47-2, 31-47-4, 31-47-12.1 and 31-47-16, and sections of chapters 28-29, 28-33, 28-35 and 28-36, read on 2026-10-14 on the General Assembly's website (https://webserver.rilegislature.gov/Statutes/), and from the Department of Business Regulation's rules 230-RICR-20-05-1, 20-05-2, 20-05-14 and 20-20-1 on the Secretary of State's site (https://rules.sos.ri.gov/). Each question names its section and links to it. The topics follow the Property: Rhode Island Specific outline (26 scoreable questions plus 6 pretest questions) and the Casualty: Rhode Island Specific outline (32 scoreable questions plus 6 pretest questions) in the Rhode Island Insurance Content Outlines effective May 28, 2026, which print a section of the General Laws or a rule beside each topic; the outlines and the Licensing Candidate Handbook of February 2026 are published for the Rhode Island Department of Business Regulation by its examination administrator (the outlines: https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/124001.pdf; the handbook: https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/124000.pdf); the Department's insurance page is https://dbr.ri.gov/divisions/insurance/. 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 Rhode Island property and casualty practice test covers the state part of the Property Producer and Casualty Producer exams: 82 of our own questions from the General Laws. Not affiliated with the Rhode Island Department of Business Regulation.
Read the full guide
Rhode Island gives two producer exams
Property Producer and Casualty Producer are separate exams, each with a general section and a Rhode Island section. The Rhode Island outlines give 20 questions to law common to both lines, then 6 to property law (the joint reinsurance association, flood notices, hurricane deductibles) or 12 to casualty law (automobile insurance, workers' compensation, medical malpractice).
Law that changed in 2026
From January 1, 2026 the guaranty association pays up to $1,000,000 for first-party property claims from one occurrence and no more than $500,000 for cybersecurity claims from one insured event. The joint reinsurance association's rule, the assigned risk plan manual and the medical malpractice rule are not asked.
Auto cancellation takes 30 days' notice, 10 for nonpayment, and nonrenewal 30 days before the policy period ends (230-RICR-20-05-2).
A hurricane deductible may not exceed 5 percent of insured value and is applied once in a calendar year (R.I. Gen. Laws §§ 27-76-2, 27-76-3).
Aftermarket parts need the owner's written consent on automobiles less than 48 months from manufacture (R.I. Gen. Laws § 27-10.2-2).
Questions and answers
How many questions are on the Rhode Island property and casualty exam?
There are two exams. The outlines effective May 28, 2026 give each general section 50 scoreable questions plus 5 pretest questions; the Rhode Island section has 26 scoreable questions for Property and 32 for Casualty, each plus 6 pretest questions.
What score do you need to pass the Rhode Island insurance exam?
The Licensing Candidate Handbook of February 2026 gives a passing score of 70 and calls it a scaled score, neither the number nor the percentage of questions answered correctly. It allots 45 minutes to each state section.
What are Rhode Island's minimum auto liability limits?
R.I. Gen. Laws § 31-32-24 sets $25,000 for bodily injury to or death of one person, $50,000 for two or more persons in one accident, and $25,000 for property of others, or $75,000 combined single limit.
Is uninsured motorist coverage required in Rhode Island?
R.I. Gen. Laws § 27-7-2.1 has insurers provide it in an amount equal to the bodily injury liability limits. The named insured may pick a lower limit in writing, or zero only with minimum limits and after signing an advisory notice.