Free Insurance Regulation Practice Questions
New Hampshire Personal Lines exam (series 12-86) — 213 practice questions.
Subtopics: Commissioner, Auto coverage not mandatory, Financial responsibility, Minimum auto limits, Mandatory uninsured motorist, Mandatory medical payments, Proof of responsibility, Cancellation notice, Nonrenewal, Adjuster licensing, Unfair claims practices, Guaranty association, Rate regulation, Risk sharing plans, License authority, Commissioner appointment, Commissioner term, Commissioner powers, Insurance Department status, Rulemaking notice, Administrative fines, Investigation response, Criminal referrals, Hearings, Examinations, Producer examinations, Examination powers, Unfair practices investigations, Hearing notice, Unfair practice penalties, Consumer restitution, Cease and desist, Violating a cease and desist order, Insurance fraud unit, License required, Unlicensed activity penalty, Negotiate defined, Solicit defined, License and authority, Licensing exemptions, Examination, Failed examination, Minimum age, Business entity licensing, Lines of authority, License reinstatement, Change of address, Continuing education, Continuing education ethics, CE deadline, CE credit hour, CE first renewal, CE duplicate courses, Flood insurance training, Nonresident licensing, Moving to New Hampshire, Moving out of state, Assumed names, Temporary license, Disciplinary grounds, Disciplinary fines, License surrender, Commissions, Renewal commissions, Appointments, Apparent authority, Termination of appointment, Termination comments, Termination immunity, Reporting actions, Referral fees, Controlled business, Fiduciary capacity, Conversion of premiums, Premium trust account, Commingling, Return premiums, Trust account records, Trust account wording, Financial institution sales, Financial institution disclosures, Anti-tying, Financial institution records, Misrepresentation, Twisting, False advertising, Defamation, Boycott, coercion, intimidation, Illegal inducements, Unfair discrimination, Credit information, Rebating, Promotional items, Value-added services, Sweepstakes, Receiving rebates, Collecting proper premium, Midterm reductions, Lender coercion, Lender limits, Loan closing, Complaint records, Unfair claim practices, Claim notice to producer, Claim acknowledgment, Claim investigation, Claim decision, Claim payment, Claim communications, Department inquiries, Claim denials, Undisputed amounts, Advance payments, Unlicensed adjusters, Breach of policy conditions, Claim payment details, Insurance fraud, Fraud warning, Fraud reporting immunity, Theft reporting, Privacy notices, Privacy opt-out, Health information, Privacy scope, Guaranty limits, Guaranty scope, Guaranty exhaustion, Guaranty advertising, Guaranty claim timing, Surplus lines, Surplus lines tax, Surplus lines reports, Direct billing, Agency termination, Discontinuing a line, Premium refunds, Late premium payment, Unpaid premium offset, Certificates of insurance, Rate standards, Competitive market, Risk classification, Rate filings, Form filing, Coverage reductions at renewal, Personal lines unearned premium, Fees, Fair Credit Reporting Act, Gramm-Leach-Bliley, Fraud and false statements, Do Not Call, Terrorism Risk Insurance Act, McCarran-Ferguson Act, Anti-money laundering, CAN-SPAM Act, FCRA reporting periods, FCRA adverse action, FCRA permissible purpose, FCRA disputes, Claims history databases, GLBA opt-out, GLBA privacy notice, GLBA enforcement, Prohibited persons (1033), Prohibited persons (1034), Telemarketing calling hours, Do-Not-Call exceptions, Do-Not-Call registry, History of regulation, Risk retention groups, Purchasing groups, Mandatory flood purchase, NFIP origin, Federal Insurance Office, NAIC role, Personal lines authority, Misrepresentation and advertising, Guaranty associations
Read the Insurance Regulation study guide
Sample questions & answers
1. The official who heads the New Hampshire Insurance Department holds the title of:
Commissioner
The New Hampshire Insurance Department is headed by the Insurance Commissioner.
2. New Hampshire is unusual among the states because it generally does NOT require most drivers to:
Buy auto liability insurance
New Hampshire generally does not mandate that most drivers carry auto liability insurance, unlike most states.
3. A New Hampshire driver who chooses not to buy auto liability insurance must still be able to:
Show financial responsibility
Drivers who forgo auto liability insurance must be able to meet New Hampshire's financial responsibility requirements for damages they cause.
4. A New Hampshire motorist who buys auto liability coverage must carry at least which limits?
25/50/25
RSA 259:61 requires a motor vehicle liability policy to provide at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage.
Practice: Insurance Regulation
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.
