Free Personal Automobile Policy Practice Questions
North Carolina Casualty exam — 128 practice questions.
Subtopics: Minimum limits, BI per accident, Effective date limits, Prior minimum limits, Territory, Permissive users, UM required, UM default limits, UM maximum, UM lower limits, UMPD deductible, Hit and run report, UM no stacking within policy, Stacking across policies, Insolvent tortfeasor insurer, UM not required commercial, UIM limits, UIM no PD, UIM settlement consent, UM notice wording, Diminished value, Proof of FR at registration, Forms of FR, Electronic proof, Lapse and plates, Insurer notifies DMV, Commercial vehicle FR, Age and sex rating, Senior deviation, Auto consent to rate, Auto billing 90 days, SDIP purpose, SDIP minor accident amount, SDIP major accident, Minor accident forgiveness, Speeding 10 or less, School zone speeding, Accident plus conviction, Emergency vehicles, Surcharge period, Inexperienced driver, Inexperienced safe driver discount, SDIP points DWI, SDIP points reckless, SDIP experience period, Points not at fault, Disputed fault, Misrepresented driving record, Auto termination nonpayment, Auto termination other reasons, Auto termination review, Coverage during review, Termination notice contents, Termination reasons, Proof of mailing, Physical damage cancellation, Short rate, Physical damage refund loss payee, Claim payment 10 days, Premium offset, Total loss threshold, Total loss sales tax, Total loss market area, Choice of repair shop, Claim acknowledgment, Newly acquired auto, TNC exclusion, Rental vehicle coverage, Med pay motorcycles, Family member defined, Other states minimums, Appraisal auto, Keeping salvage, GAP coverage, Flood auto, Towing and labor, Miscellaneous type vehicle, Supplementary payments, Split limits meaning, Driving uninsured, Persons insured, Physical damage, Uninsured motorists, Medical payments, PAP structure, Your covered auto, Family member, You and your, Part A exclusions, Out of state coverage, Other insurance, Part B medical payments, Part C uninsured motorists, Underinsured motorists, Part D collision vs OTC, Part D transportation expenses, Part D nonowned auto, Part D exclusions, Part D limit of liability, Part D appraisal, Part E duties, Policy territory, Part F termination, Part F two-or-more autos, Auto financial responsibility, No-fault concepts, Auto insurance plans, Part D coverage
Read the Personal Automobile Policy study guide
Sample questions & answers
1. For policies issued or renewed on or after July 1, 2025, North Carolina's minimum auto liability limits are:
$50,000/$100,000/$50,000
G.S. 20-279.21(b)(2), as amended by S.L. 2023-133 s.12 (effective July 1, 2025), requires 50/100/50.
2. A North Carolina driver with minimum limits causes an accident injuring three people. The most the policy pays for all bodily injury in that accident is:
$100,000
The required limit is $50,000 per person subject to $100,000 for bodily injury to two or more persons in one accident.
3. The increase in North Carolina's auto minimum limits enacted in S.L. 2023-133 applies to policies:
Issued or renewed on or after July 1, 2025
S.L. 2024-29 s.8(c) changed the effective date of S.L. 2023-133 s.12 to July 1, 2025, for policies issued or renewed on or after that date.
4. Before the 2025 increase, North Carolina's statutory minimum auto liability limits were:
$30,000/$60,000/$25,000
S.L. 2023-133 s.12 struck the prior $30,000/$60,000/$25,000 limits and substituted $50,000/$100,000/$50,000.
Practice: Personal Automobile Policy
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
