Each module is scored separately here so you know exactly where you stand. To pass the real North Carolina exam you need 70%.
The free sample gives you about 20 questions per module. The full bank contains every question — general insurance plus state law — with written, statute-cited explanations. $49, one time, lifetime access on up to 3 devices — every state and line we add later included.
✓ One purchase, use it on up to 3 of your devices · no subscription · no account needed
North Carolina licenses Property & Casualty producers through Pearson VUE, requiring 70% to pass. This bank covers the national property & casualty material plus North Carolina law - auto (the current 50/100/50 minimum limits, the Reinsurance Facility and Rate Bureau), property and homeowners (the standard fire policy, the Insurance Guaranty Association and the Beach/FAIR Plan), and workers' compensation.
You need 70%. Practice each module to that level and run the full exam simulation before your test date.
No vendor publishes the live exam. Every question here is original, written to the official content outline and grounded in public-domain sources — including the North Carolina General Statutes for the state-law questions, with the statute section cited in each explanation.
The full North Carolina bank contains 1102 questions (general insurance plus North Carolina law), with written, source-cited explanations. The free sample gives you about 20 questions per module.
$49, one time, for lifetime access — and it includes every state and line we add later, at no extra charge. No subscription.
Yes. One purchase works on up to 3 of your devices, for example your laptop, phone and tablet, so you can practise wherever you are. Your progress is saved on each device.
No. The practice tests run in your browser with no signup. Your score history is saved on your own device.
A selection of free questions with answers and explanations. Use the interactive modules above for timed, scored drills.
The Business Auto physical damage coverage offers which coverage categories?
Why: BACF physical damage can be written as Comprehensive, Specified Causes of Loss (a narrower named-peril option), and Collision.
On judicial review of a cease and desist order, the Commissioner's findings as to the facts are conclusive if:
Why: G.S. 58-63-35(a) provides that the Commissioner's findings as to the facts, if supported by substantial evidence, are conclusive.
How does a standard commercial property deductible typically apply?
Why: The deductible applies per occurrence and is subtracted from the loss amount after any coinsurance adjustment is made.
Under the concealment or fraud provision of the North Carolina standard fire policy, the entire policy is void if the insured willfully conceals or misrepresents a material fact:
Why: The Concealment or fraud provision voids the entire policy for willful concealment or misrepresentation of a material fact whether before or after a loss.
An employer who WILLFULLY fails to secure the payment of compensation as required by the Act is guilty of:
Why: G.S. 97-94(c) provides that an employer who willfully fails to secure the payment of compensation is guilty of a Class H felony.
Which statement about strict liability is TRUE?
Why: Strict liability imposes responsibility without requiring proof of negligence, based on the inherently dangerous nature of the activity or product defect.
Which endorsement would increase the Coverage C limit available for items used in a home business beyond the small special limit?
Why: Because business property on premises has a low special limit, a home business or permitted incidental occupancy endorsement is used to increase business property and add appropriate liability.
The Joint Ownership Coverage endorsement is used when a PAP needs to cover:
Why: Joint ownership coverage adapts the PAP for vehicles owned by two or more individuals not married to each other, or by an individual and one or more relatives who don't all reside together.
When recommending a particular service or source for the repair of property damage, an insurance producer, adjuster, or appraiser must:
Why: G.S. 58-33-76(a) requires clearly informing the claimant that the claimant is under no obligation to use the recommended repair service.
Under farm property coverage, livestock such as cattle and horses are usually covered:
Why: Farm livestock is typically insured on a named-peril basis (lightning, fire, certain accidents) and is frequently subject to per-animal and aggregate limits.
Under the schedule of injuries, compensation for the loss of a hand is 66 2/3% of average weekly wages for how many weeks?
Why: G.S. 97-31(12) provides 66 2/3% of average weekly wages during 200 weeks for the loss of a hand.
In a death claim, persons wholly dependent on the deceased employee's earnings at the time of the accident are:
Why: G.S. 97-38(1) gives persons wholly dependent the entire compensation share and share alike, to the exclusion of all others.
For serious facial or head disfigurement, the Industrial Commission may award equitable compensation not to exceed what amount?
Why: G.S. 97-31(21) authorizes the Commission to award proper and equitable compensation not to exceed $20,000 for serious facial or head disfigurement.
Under the SDIP, an at-fault accident causing only property damage of $2,300 or less is classified as a:
Why: N.C. Gen. Stat. §58-36-75(a) defines a "minor accident" as an at-fault accident resulting in only property damage of $2,300 or less. Property damage over $2,300 but under $3,850 is an intermediate accident.
A resident producer wants to add the property line of authority to an existing license. Under G.S. 58-33-125(c), the fee due upon application for that additional kind of insurance is:
Why: G.S. 58-33-125(c) requires a fee of fifty dollars ($50.00) for each additional kind of insurance requested.
Under the standard fire policy, if loss is payable to a designated mortgagee and the insured fails to render proof of loss, the mortgagee must render proof of loss within how many days after notice?
Why: The mortgagee provision requires the mortgagee, upon notice, to render proof of loss within 60 days after the insured's failure to do so.
Under North Carolina's UIM statute, a highway vehicle is "underinsured" when:
Why: N.C. Gen. Stat. §20-279.21(b)(4) defines an "underinsured highway vehicle" as one for which the sum of the applicable bodily injury liability limits at the time of the accident is less than the total damages sustained by the person seeking UIM benefits.
Under G.S. 58-33-46, willfully overinsuring property is:
Why: G.S. 58-33-46(a)(16) lists willfully overinsuring property as a ground for disciplinary action.
A farmowners-ranchowners policy is best described as a package that combines:
Why: The farmowners-ranchowners policy is a package combining homeowners-type property and liability coverage with coverage for farm structures, equipment, and operations.
In a monopolistic state fund jurisdiction, employers must generally obtain workers' compensation coverage from:
Why: In monopolistic fund states, the state fund is the sole source of WC coverage and private insurers may not write it; employers must buy from the state fund.
An employee is injured in a car crash while driving between two job sites during the workday as part of assigned duties. This injury most likely is:
Why: Travel that is part of the job's duties (not merely commuting) generally arises out of and in the course of employment and is compensable under workers' compensation.
Under the appraisal provision of the standard fire policy, after a written demand for appraisal, each party must select a competent and disinterested appraiser and notify the other within:
Why: The Appraisal provision requires each party to select an appraiser and notify the other of the selection within 20 days after the demand.
Which document in a CPP contains information common to all coverage parts, such as the named insured, policy period, and premium?
Why: The Common Policy Declarations identify the named insured, mailing address, policy period, business description, and the coverage parts that apply.
A neighbor is injured by the insured's dog and incurs medical bills. Even though no lawsuit is filed and fault is unclear, payment may be available under:
Why: Coverage F pays reasonable medical expenses for injured third parties on a no-fault, goodwill basis without requiring a finding of legal liability.
Transportation expenses coverage under PAP Part D typically reimburses the insured for:
Why: Transportation expenses coverage pays temporary transportation (e.g., rental) costs following a covered Part D loss, subject to per-day and per-occurrence limits.
The principle that allows insurers to predict losses more accurately as the number of similar exposure units increases is the:
Why: The law of large numbers states that the larger the number of similar exposures, the more predictable actual loss experience becomes.
For purposes of determining the number of appointments for an insurance producer, there shall be one appointment for:
Why: G.S. 58-33-40(b) provides that there shall be one appointment for each line of authority for which the appointed producer is licensed, unless specifically limited.
Under the FCRA, before an insurer obtains an investigative consumer report on an applicant, it must:
Why: The FCRA requires advance written disclosure to the consumer that an investigative consumer report may be requested, along with a description of the consumer's rights.
Under §58-41-15, failure to send the cancellation notice to a designated mortgagee or loss payee:
Why: Section 58-41-15(b) provides that failure to send the notice to a designated mortgagee or loss payee invalidates the cancellation only as to that party's interest.
In the Dwelling Policy, which coverage applies to a detached garage or storage shed?
Why: Coverage B — Other Structures covers structures separated from the dwelling, such as detached garages, sheds, and fences.