A South Carolina auto cancellation notice must state an effective date at least how many days after mailing?S.C. Code 38-77-120(a)
A South Carolina auto insurer may not refuse to renew solely because of accidents or violations that occurred more than how long before the upcoming anniversary date?S.C. Code 38-77-123(A)
A South Carolina auto policy is cancelled for nonpayment within its first sixty days. What penalty may the insurer, premium finance company or agent charge?S.C. Code 56-10-280(B)
A South Carolina auto policy issued to meet the financial responsibility requirements must be issued for not less than what term?S.C. Code 56-10-280(A)
A South Carolina homeowner files a claim for damage from an act of God. May the insurer nonrenew the homeowners policy because of that claim?S.C. Code 38-75-790
A South Carolina insured asks the director to review an auto policy cancellation. What does the required notice say the director may not do?S.C. Code 38-77-120(a)
A South Carolina insurer cancels a commercial property policy midterm for nonpayment of premium. Written notice must reach the insured and the agent of record at least how many days before the cancellation date?S.C. Code 38-75-730(b)
Show all 163 questions (156 more)
Cancellation, nonrenewal and renewal, continued
A South Carolina insurer cancels a general liability policy midterm for a substantial breach of contractual duties. How many days' written notice is the least the statute allows?S.C. Code 38-75-730(b)
A South Carolina insurer intends to renew a one-year property policy. It must furnish the insured the renewal terms and premium at least how many days before expiration?S.C. Code 38-75-750(b)
A South Carolina insurer may send renewal terms to the agent of record, to pass on to the insured, if it does so at least how many days before expiration?S.C. Code 38-75-750(d)
A South Carolina insurer sends renewal terms late, and the insured cancels the renewal policy within thirty days of receiving them. How is earned premium figured?S.C. Code 38-75-750(e)
A South Carolina insurer wants to cancel midterm for a substantial change in risk based on changing climatic conditions. On what must the change be based?S.C. Code 38-75-730(d)
A South Carolina insurer will not renew a one-year businessowners policy. Written notice of nonrenewal goes to the insured and the agent of record at least how many days before expiration?S.C. Code 38-75-740(b)
A South Carolina policyholder asks in writing for the reasons a property policy was not renewed. Within how many business days of receiving the request must the insurer or agent furnish them?S.C. Code 38-75-1180(B)
Before a South Carolina insurer cancels a policy because it lost its reinsurance, it must notify the director in writing at least how many days ahead?S.C. Code 38-75-730(a)(5)
The boldface statement on a South Carolina auto liability application says the insurer can cancel without cause during the first how many days?S.C. Code 38-77-121
How does South Carolina law treat the midterm cancellation of an entire block, line or class of business?S.C. Code 38-75-760(b)
In which case may a South Carolina auto policy be cancelled within its first sixty days?S.C. Code 56-10-280(A)
South Carolina's limits on midterm cancellation do not apply to a new property or casualty policy that has been in effect for less than how many days?S.C. Code 38-75-730(c)
When a South Carolina workers' compensation policy is cancelled under the cancellation article, notice must go to the insured and to which body?S.C. Code 38-75-730(e)
Which of these is a reason South Carolina allows for cancelling a property or casualty policy before the end of its term?S.C. Code 38-75-730(a)
Rates and the valued policy law 17
A coinsurance provision in a South Carolina property policy is void unless what appears on the policy?S.C. Code 38-75-40
A committee of South Carolina's workers' compensation rating bureau ties on a vote. Who casts the deciding vote?S.C. Code 38-73-510
A South Carolina building insured under a fire policy is a total loss by fire. What is the insured entitled to recover?S.C. Code 38-75-20
A South Carolina homeowner's insurer may put an overall average rate change into effect without prior approval when it is within what percent of its current rates?S.C. Code 38-73-220(A)
A South Carolina property policy says it is void if the insured property is mortgaged. What is the effect of that clause?S.C. Code 38-75-50
A South Carolina tenant's carelessness damages the landlord's insured building. When may the landlord's insurer sue the tenant?S.C. Code 38-75-60
At the owner's request, a South Carolina insurer may issue a policy wholly exempt from the valued policy section on property used principally for what?S.C. Code 38-75-30
How many rate increases within the seven percent limit may a South Carolina homeowner's insurer put into effect in a twelve-month period?S.C. Code 38-73-220(B)
In making South Carolina fire insurance rates, the experience of the fire insurance business must be considered over at least how many of the most recent years?S.C. Code 38-73-330
South Carolina's rate standard for fire and allied lines says rates may not be excessive, inadequate, or what?S.C. Code 38-73-330
South Carolina's valued policy section does not apply to insurance on what?S.C. Code 38-75-20
Two fire policies cover one South Carolina building, and together they exceed its agreed insurable value. How is each insurer liable after a loss?S.C. Code 38-75-20
Under South Carolina's valued policy law, what does the insured recover for a partial loss by fire?S.C. Code 38-75-20
What must a South Carolina insurer show on a homeowner's policy that includes both fire and allied lines coverage?S.C. Code 38-75-1150
When may a South Carolina property insurer use the absence of credit information in underwriting?S.C. Code 38-73-325
Which factor does S.C. Code 38-73-440 make unlawful in setting automobile insurance premium rates?S.C. Code 38-73-440
Who approves the rate for each classification of workers' compensation insurance written in South Carolina?S.C. Code 38-73-490
Wind and hail association and assigned risks 17
A member insurer designated to write essential property insurance through South Carolina's wind and hail association cedes what share of it to the association?S.C. Code 38-75-390
A policy of essential property insurance issued through the South Carolina wind and hail association runs for a term of at least how long?S.C. Code 38-75-350(B)
A policyholder disagrees with a rating decision of South Carolina's wind and hail association. Within how many days must an appeal to the director be made?S.C. Code 38-75-410(A)
How does South Carolina law describe the rates of its wind and hail association?S.C. Code 38-75-400(B)
How far may an order expanding the South Carolina wind and hail association's territory reach?S.C. Code 38-75-460(C)
How may South Carolina insurers meet their assigned risk obligations through an Assigned Risk Pool?S.C. Code 38-77-830
Outside the area served by the wind and hail association, when may a South Carolina insurer exclude wind and hail from a homeowner's policy?S.C. Code 38-75-1230
The South Carolina director may expand the coastal area the wind and hail association serves by an order lasting up to how long?S.C. Code 38-75-460(A)
The South Carolina wind and hail association denies an application. To whom may the applicant appeal?S.C. Code 38-75-350(C)
The South Carolina Wind and Hail Underwriting Association is a residual market for applicants unable to get wind and hail insurance where?S.C. Code 38-75-330(A)
What does South Carolina law say about information an insurer files with the director about an assigned risk?S.C. Code 38-77-850
What is the name of South Carolina's assigned risk plan for automobile insurance?S.C. Code 38-77-810
When may excess insurance be bought on a property insured through South Carolina's wind and hail association?S.C. Code 38-75-340(B)
Which insurer may act as a servicing carrier for South Carolina's workers' compensation assigned risk pool?S.C. Code 38-73-540(B)
Which insurers make up the South Carolina Wind and Hail Underwriting Association?S.C. Code 38-75-330(B)
Which property is outside the definition of insurable property for South Carolina's wind and hail association?S.C. Code 38-75-310(4)
Who must submit an application to the South Carolina Wind and Hail Underwriting Association on the property owner's behalf?S.C. Code 38-75-350(A)
Auto: limits, uninsured motorists and financial responsibility 29
A person presents false evidence of insurance to register a vehicle in South Carolina. For how long must the department deny registration of that vehicle?S.C. Code 56-10-260(A)
A South Carolina auto insurer pays a claimant's property damage claim. What does the payment mean for other claims from the same accident?S.C. Code 38-77-230
A South Carolina bond given as proof of financial responsibility may rest on two individual sureties who own real estate in the State. Their equities must together equal at least what?S.C. Code 56-9-570
A South Carolina insurer has certified a policy as proof of financial responsibility. The policy may not be cancelled until at least how many days after notice is filed with the Department of Motor Vehicles?S.C. Code 56-9-20(5)
A South Carolina owner whose insurance ended surrenders the license plate and registration before they are suspended. What reinstatement fee is charged?S.C. Code 56-10-240(C)
After a violation for operating an uninsured motor vehicle in South Carolina, the statute sets the reinstatement fee at what amount until it is adjusted?S.C. Code 56-10-520(D)
After delivering the required disclosure to a South Carolina claimant who received first-party auto benefits, at least how many days must pass before a general release is signed?S.C. Code 38-77-260
An unknown vehicle forces a South Carolina driver off the road without touching the car, and the driver reports it to police promptly. Which of these can support an uninsured motorist claim?S.C. Code 38-77-170
Are benefits paid under South Carolina's additional uninsured and underinsured motorist section subject to subrogation and assignment?S.C. Code 38-77-160
How does South Carolina law treat underinsured motorist coverage on an auto policy?S.C. Code 38-77-160
In a South Carolina "John Doe" action against an unknown driver, how is service of process made?S.C. Code 38-77-180
In a South Carolina uninsured motorist action, the insurer may appear and defend in the uninsured motorist's name. How many days after service of process does it have to appear?S.C. Code 38-77-150(B)
In place of a policy, a South Carolina driver may prove financial responsibility by depositing how much in cash or securities with the State Treasurer?S.C. Code 56-9-580
In South Carolina's automobile insurance chapter, what does the word "damages" include?S.C. Code 38-77-30(4)
May a South Carolina insurer refuse to issue motor vehicle liability insurance solely because the vehicle is old?S.C. Code 38-77-124(B)
May a South Carolina underinsured motorist policy require the insurer's consent before the insured settles with the at-fault party?S.C. Code 38-77-160
May the uninsured motorist provision of a South Carolina auto policy require arbitration of a claim under it?S.C. Code 38-77-200
Must an excess or umbrella policy issued in South Carolina provide uninsured or underinsured motorist coverage?S.C. Code 38-77-161
The South Carolina director finds that an undisputed property damage payment under an auto policy was unnecessarily delayed. Interest may be assessed at what yearly rate?S.C. Code 38-77-330
To exclude a named person from a South Carolina auto liability policy, the named insured must declare that the person has other insurance or security, or what?S.C. Code 38-77-340
To qualify as a self-insurer for motor vehicles in South Carolina, a person or company must have more than how many vehicles registered in its name?S.C. Code 56-9-60(A)
To which loss does a South Carolina auto physical damage deductible not apply?S.C. Code 38-77-280(B)
Under South Carolina's definition, a vehicle is an underinsured motor vehicle when it carries at least the minimum liability limits and what else is true?S.C. Code 38-77-30(15)
The uninsured motorist provision of a South Carolina auto policy may exclude how much of the first loss to the insured's property?S.C. Code 38-77-150(A)
What are the least liability limits a South Carolina automobile policy may carry for one person, for two or more persons, and for property of others, in thousands of dollars?S.C. Code 38-77-140(A)
What does South Carolina law say about personal injury protection (PIP) coverage?S.C. Code 38-77-144
When South Carolina's Department of Motor Vehicles finds a lapse in required liability coverage, what per diem fine does it assess?S.C. Code 56-10-245
Which agency supervises and controls South Carolina's Uninsured Motorists Fund?S.C. Code 38-77-154
With a clean record, a South Carolina driver may have the requirement to file proof of financial responsibility waived after how long from the date proof was required?S.C. Code 56-9-620
Property and casualty guaranty association 13
A claim filed with South Carolina's guaranty association is not covered if it is filed more than how long after the declaration of insolvency?S.C. Code 38-31-60
A first-party claim is not a covered claim of South Carolina's guaranty association when the insured's net worth is over what amount?S.C. Code 38-31-20(8)
After learning that an insurer has been determined insolvent, the South Carolina director notifies the guaranty association no later than how many days afterward?S.C. Code 38-31-80(A)
At the board's request, the South Carolina director may raise the guaranty association's yearly assessment limit on an account to no more than what share of premiums?S.C. Code 38-31-80(B)
How many persons sit on the board of directors of South Carolina's property and casualty guaranty association?S.C. Code 38-31-50
How much of a covered workers' compensation claim does South Carolina's property and casualty guaranty association pay?S.C. Code 38-31-60
In one year, South Carolina's guaranty association may assess a member insurer on an account no more than what share of its net direct written premiums for that account?S.C. Code 38-31-60
On a claim for unearned premium against an insolvent insurer, South Carolina's guaranty association pays only the part over what amount?S.C. Code 38-31-60
Other than workers' compensation, South Carolina's property and casualty guaranty association is obligated only for the part of a covered claim that is less than what amount?S.C. Code 38-31-60
The South Carolina Property and Casualty Insurance Guaranty Association pays only the part of a covered claim that is over what amount?S.C. Code 38-31-60
South Carolina's guaranty association covers claims arising up to the policy's expiration, its replacement or cancellation, or how many days after the determination of insolvency, whichever is earliest?S.C. Code 38-31-60
To which kind of insurance does South Carolina's property and casualty guaranty association chapter NOT apply?S.C. Code 38-31-30
Which of these is one of the four accounts of South Carolina's property and casualty guaranty association?S.C. Code 38-31-40
Workers' compensation 25
A South Carolina compensation installment under an award is not paid within fourteen days after it is due. What is added to it?S.C. Code 42-9-90
A South Carolina employee agrees to pay part of the employer's workers' compensation premium through a payroll deduction. What is the effect?S.C. Code 42-5-200
A South Carolina employee and employer have both accepted the workers' compensation title. What do the employee's rights under it do to other remedies against the employer for the injury?S.C. Code 42-1-540
A South Carolina employer says an injury was caused by the employee's intoxication, so no compensation is payable. Who carries the burden of proof?S.C. Code 42-9-60
A South Carolina worker's disability must last more than how many days for compensation to be allowed from the first day of disability?S.C. Code 42-9-200
An exempt South Carolina employer files a written notice electing workers' compensation coverage. How many days after the date of the notice does the title apply?S.C. Code 42-1-380
Apart from the listed lifetime cases, South Carolina compensation for total disability may not run longer than how many weeks?S.C. Code 42-9-10(A)
For total disability, South Carolina workers' compensation pays what share of the employee's average weekly wages?S.C. Code 42-9-10(A)
For whom does South Carolina's Workers' Compensation Uninsured Employers' Fund ensure payment of benefits?S.C. Code 42-7-200
The right to South Carolina workers' compensation is barred unless a claim is filed with the commission within how long after the accident?S.C. Code 42-15-40
South Carolina compensation for partial disability may not run more than how many weeks from the date of injury?S.C. Code 42-9-20
South Carolina workers' compensation insurers must offer optional deductibles up to what maximum for each compensable claim?S.C. Code 38-73-515(A)
South Carolina workers' compensation pays no disability compensation for the first how many calendar days of disability?S.C. Code 42-9-200
South Carolina's definition of "employee" for workers' compensation leaves out a person whose employment is what?S.C. Code 42-1-130
South Carolina's merit rating system for workers' compensation gives a credit of at least what percent to an insured with a program to prevent drug and alcohol use on the job?S.C. Code 38-73-500(B)
South Carolina's weekly compensation for total disability may not be less than what amount, so long as that does not exceed the employee's average weekly salary?S.C. Code 42-9-10(A)
South Carolina's workers' compensation title covers private employments in which at least how many employees are regularly employed in the same business?S.C. Code 42-1-150
Under South Carolina law, an occupational disease is due to hazards beyond those ordinarily incident to employment and is what else?S.C. Code 42-11-10(A)
Unless there is a reasonable excuse, a South Carolina worker must give the employer notice of an accident within how many days for compensation to be payable?S.C. Code 42-15-20(B)
What does South Carolina law say about a worker's claim for compensation and creditors?S.C. Code 42-9-360(A)
Whatever the number of employees, South Carolina's workers' compensation title does not apply to a person whose total payroll for the previous calendar year was under what amount?S.C. Code 42-1-360
When a South Carolina worker dies from a compensable accident, the employer pays burial expenses up to what amount?S.C. Code 42-9-290(A)
Which totally and permanently disabled South Carolina worker receives benefits for life rather than for a limited number of weeks?S.C. Code 42-9-10(C)
Which worker is outside South Carolina's workers' compensation title unless the employer elects to come under it?S.C. Code 42-1-360
Who has exclusive jurisdiction over group self-insurers for workers' compensation in South Carolina?S.C. Code 42-5-20
Claim practices, fraud and trade practices 13
A second insurance fraud violation in South Carolina is a felony when the benefit received is how much?S.C. Code 38-55-540(A)
A South Carolina agent may give away, as advertising, an article of merchandise printed with the agent's or insurer's advertisement. What is its top value?S.C. Code 38-57-160
A South Carolina insurer has reason to believe a claimant made a false statement. Whom must it notify?S.C. Code 38-55-570(A)
A South Carolina insurer may owe the policyholder's attorneys' fees if it refuses, without reasonable cause or in bad faith, to pay a covered claim within how many days after demand?S.C. Code 38-59-40(1)
A South Carolina insurer requires a written proof of loss. If it does not furnish the form within how many days after notice of the loss, the claimant may submit written proof of their own?S.C. Code 38-59-10
Attorneys' fees awarded under South Carolina's refusal-to-pay section may not exceed what share of the judgment?S.C. Code 38-59-40(1)
During a sales presentation, a South Carolina agent may provide refreshments that cost no more than how much a person?S.C. Code 38-57-160
If the South Carolina director finds an auto insurer taking part in a pattern of unfair discrimination, the fine may be up to how much?S.C. Code 38-77-122(B)
On a first offense, a false statement to get insurance benefits becomes a felony in South Carolina when the benefit received reaches what amount?S.C. Code 38-55-540(A)
The South Carolina director fines an insurer for improper claim practices. How is that penalty treated when the insurer's rates are reviewed?S.C. Code 38-59-30
South Carolina's defamation section bars false or malicious statements about what feature of an insurer?S.C. Code 38-57-90
Which of these is on South Carolina's list of improper claim practices when done without just cause and as a general business practice?S.C. Code 38-59-20(6)
Which of these may a South Carolina insurer NOT use as its only reason to refuse to issue a property policy?S.C. Code 38-75-1210(A)
Adjusters, brokers and licensing 28
A producer licensed in Georgia moves to South Carolina. Within how many days of establishing legal residence must the producer apply to become a resident licensee?S.C. Code 38-43-101(B)
A South Carolina adjuster's license is canceled because the biennial fee was not received when due. Besides a new application and the regular fee, what must be paid to reinstate it?S.C. Code 38-47-40
A South Carolina broker sells a policy of an unlicensed insurer and does not follow the title's rules for such policies. For what is the broker personally liable?S.C. Code 38-45-120
A South Carolina homeowner signs a contract with a public adjuster. Until when may the homeowner rescind it?S.C. Code 38-48-110
A South Carolina insured contests the denial of a claim. What does the adjuster licensing section require?S.C. Code 38-47-10(D)
A South Carolina insurer's claims employee may adjust a food spoilage claim under a residential property policy without an adjuster's license when coverage for that loss is limited to what amount or less?S.C. Code 38-47-55
A South Carolina producer dies, and the surviving spouse needs time to sell the agency. For how long at most may a temporary producer license be issued without an examination?S.C. Code 38-43-102(A)
A South Carolina producer signs a blank policy of insurance outside the ticket-policy exception. What is the largest fine for each offense?S.C. Code 38-43-260
A South Carolina public insurance adjuster is declared to act as the agent of whom?S.C. Code 38-48-70
A South Carolina resident broker files a surety bond with the department in what amount?S.C. Code 38-45-20(4)
Before a South Carolina resident can be licensed as an insurance broker, which license must the resident already hold?S.C. Code 38-45-20(1)
Before the South Carolina director may approve a nonadmitted insurer as an eligible surplus lines insurer for a risk, what must be true of licensed insurers?S.C. Code 38-45-90(A)
Each South Carolina broker files a detailed report of the year's business with the department within how many days after December 31?S.C. Code 38-45-90(A)
For portable electronics insurance in South Carolina, at most how many unlicensed data-entry persons may work under the supervision of one licensed adjuster or producer?S.C. Code 38-47-10(B)
How long after a claim is settled or closed must a South Carolina public adjuster keep the records of that loss?S.C. Code 38-48-120
In adjusting a loss, a South Carolina adjuster licensed under Chapter 47 is declared to act as the agent of whom?S.C. Code 38-47-50
In South Carolina, a person who acts as both the contractor and the public adjuster on one insured's claim commits what?S.C. Code 38-48-130
In South Carolina, acting as an adjuster on a contract made by an insurer that is not licensed in the State is a misdemeanor. What is the longest prison term the section allows?S.C. Code 38-47-60
South Carolina defines marine insurance as insurance against loss of or damage to vessels, watercraft, their cargoes and what else?S.C. Code 38-1-20(40)
South Carolina's definition of casualty insurance expressly includes which coverage?S.C. Code 38-1-20(11)
South Carolina's definition of public adjusting leaves out which claims?S.C. Code 38-48-10(2)
Under South Carolina law, a public adjuster's written contract must say in bold that the adjuster's fee is paid how?S.C. Code 38-48-80(b)
What fee does the South Carolina statute set for an adjuster's license?S.C. Code 38-47-30
When may a South Carolina broker charge a policy fee?S.C. Code 38-45-160
When must a South Carolina public adjuster tell the insurer in writing that the insured has hired the adjuster?S.C. Code 38-48-80
Which of these may a South Carolina public adjuster NOT do?S.C. Code 38-48-70(h)
Which person does S.C. Code 38-47-10(B) list as exempt from the adjuster license?S.C. Code 38-47-10(B)
The words a South Carolina broker stamps on the face of an eligible surplus lines insurer's policy end with which warning?S.C. Code 38-45-110
How this list was compiled: South Carolina Code of Laws, Title 38 (Insurance), chapters 1, 31, 43, 45, 47, 48, 55, 57, 59, 73, 75 and 77; Title 56 (Motor Vehicles), chapters 9 and 10; and Title 42 (Workers' Compensation), chapters 1, 5, 7, 9, 11 and 15, read on October 12, 2026 on the South Carolina Legislature's site (https://www.scstatehouse.gov/code/statmast.php, one page per chapter). Most questions are on sections cited in the "South Carolina-Specific" content outline for the Property and Casualty producer examination (30 scored plus 5 pretest questions; effective September 15, 2026), which prints the Code references beside each topic; the questions on adjusters, public adjusters and brokers (chapters 47, 48 and 45) are law of the same supplement's adjuster, public adjuster and surplus lines broker outlines, and a few questions are on neighboring sections no outline lists; the outlines are linked from the South Carolina Department of Insurance licensing page (https://doi.sc.gov/354/Licensing-CE; the outlines: https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/125010.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 free, unofficial practice test for the property and casualty exam in South Carolina asks state law only: 163 questions from the Code of Laws, no policy forms. Not affiliated with the South Carolina Department of Insurance.
Read the full guide
What the South Carolina property and casualty insurance exam asks on state law
The outline in force since September 15, 2026 splits the 30 state questions: 18 on law for all lines, 12 on property and casualty law. This bank leans to the 12: cancellation, rates, the valued policy law, the wind and hail association, auto and workers' compensation.
A free SC property and casualty license study guide to the statutes
Each answer names its section of Title 38, 42 or 56 and opens that chapter on the Legislature's site, read October 12, 2026. Producer licensing is on the South Carolina life and health page; the adjuster and broker questions here go beyond the producer outline.
Notice days: 10 for nonpayment, 30 for other midterm cancellations, 60 for nonrenewal; auto notices, 15 (38-75-730, 38-75-740, 38-77-120).
A total fire loss on a building pays the full amount of insurance; a partial loss pays the actual loss (38-75-20).
The guaranty association pays the part of a claim between $250 and $300,000, and workers' compensation claims in full (38-31-60).
Questions and answers
How many questions are on the South Carolina property and casualty exam?
The candidate handbook lists 140 questions in 165 minutes for the Property, Casualty, Surety and Marine producer exam. The outline scores 100 general questions and 30 South Carolina questions; each part adds 5 unscored pretest questions.
What is the passing score for the South Carolina property and casualty exam?
South Carolina reports a scaled score: 70 passes, on a scale of 0 to 100, and the Department of Insurance sets it. The handbook adds that the combined property and casualty exam is scored as one exam, passed or failed whole.
Is this South Carolina property and casualty practice test free?
Yes. Every question is free, and nothing you answer leaves your device. The questions are our own, and the South Carolina Department of Insurance did not review them. An exam set is 30 questions.
What are South Carolina's minimum auto insurance limits?
S.C. Code 38-77-140 sets $25,000 for bodily injury to one person, $50,000 for two or more persons and $25,000 for property of others in any one accident. Uninsured motorist coverage of at least those limits is required too (38-77-150).