Free Personal Automobile Policy Practice Questions
North Carolina Property & Casualty exam — 131 practice questions.
Subtopics: Financial responsibility limits, Prior minimum, Tort system, Uninsured motorist, Underinsured motorist, Liability coverage, Collision, Comprehensive, Reinsurance Facility cession, Medical payments, 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, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Collision coverage, Other than collision, Transportation expenses, Newly acquired autos, Definitions, Liability exclusions, Uninsured motorists, Physical damage exclusions, Duties after loss, Policy territory, Termination, Residual market
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Sample questions & answers
1. For North Carolina auto policies issued or renewed on or after July 1, 2025, the minimum liability limits increased to:
50/100/50
North Carolina raised its minimum auto liability limits from 30/60/25 to 50/100/50 effective July 1, 2025: $50,000 per person and $100,000 per accident for bodily injury, and $50,000 for property damage.
2. Before the July 1, 2025 increase, North Carolina's statutory minimum auto liability limits were:
30/60/25
S.L. 2023-133 s.12 replaced the former 30/60/25 minimums with 50/100/50 for policies issued or renewed on or after July 1, 2025.
3. North Carolina's auto insurance system is best described as:
A fault-based liability system
North Carolina requires liability insurance against liability imposed by law for damages (G.S. 20-279.21) and has no no-fault PIP requirement; the at-fault driver is responsible.
4. North Carolina auto policies are required to include:
Uninsured motorist coverage
North Carolina requires uninsured motorist (UM) coverage on auto policies, protecting insureds injured by drivers who lack liability insurance.
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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.
