25 Free North Carolina P&C Exam Practice Questions (2026)

25 min read|Updated 2026-10-17

How to Use This North Carolina Question Set

North Carolina does not issue a single Property & Casualty exam. To hold both lines of authority you sit two separate Pearson VUE exams: the Property Agent exam (code 04) and the Casualty Agent exam (code 05). Each has 55 scored questions plus up to 5 additional unscored pretest questions mixed in without being labeled, a 75-minute time limit, and a $45 fee per attempt. Passing either one is a scaled score of 70 on a 0-100 scale, not a raw percentage or a fixed count of correct answers. There is no combined sitting, and a candidate who wants the full license has to pass both exams on their own terms.

Pearson VUE's content outline #123415, effective March 2, 2026, splits each exam by section. On the Property Agent exam: Terms and Concepts (7 of 55 items), Personal Insurance Coverages (25, the single biggest block), Commercial Insurance Coverages (10), and North Carolina Statutes and Regulations Pertinent to Property Insurance (13). On the Casualty Agent exam: Terms and Concepts (7), Personal Insurance Coverages (18), Commercial Insurance Coverages (15), and North Carolina Statutes and Regulations Pertinent to Casualty Insurance (15).

These 25 questions come from LanePrep's North Carolina P&C quiz bank and sample both exams in roughly that proportion: 3 questions on terms and concepts that both exams test, 5 on personal property coverages and 3 on commercial property coverages (Property Agent), 1 on North Carolina property law, 4 on personal casualty coverages and 3 on commercial casualty coverages (Casualty Agent), 2 on North Carolina casualty law, and 4 on the licensing, unfair-trade-practice and Commissioner's-authority material that LanePrep groups into its own chapter, since both official outlines count this material inside their own line's state-law section rather than as a shared block. Each question shows its chapter, so a miss tells you exactly which chapter of the course to go back to.

North Carolina has not required a pre-licensing course since October 1, 2025, when Session Law 2025-45 repealed the old 20-hour requirement. That makes a self-check like this one more useful, not less: nobody sits through a state-mandated class that would otherwise have flagged the gaps for you first.

Work them before you read the answer. Every question has the explanation folded underneath it. Guessing and then reading is worth more than reading and then agreeing. For a deeper set on either exam, see the Property Agent and Casualty Agent topic sets below.

Practice Questions 1-3: Insurance Terms and Concepts (Both Exams)

Terms and Concepts is a flat 7 of the 55 items on each exam — the same foundational vocabulary tested twice, once on each sitting. These three move through the hazard/peril/risk distinction, the indemnity principle, and a deductible calculation.

Question 1 (Chapter 1)

A homeowner in Raleigh applies for a homeowners policy and lists a leaky roof as a condition that could cause water damage. In insurance terminology, the leaky roof is best described as a:

A) Hazard
B) Peril
C) Risk
D) Deductible

Show answer & explanation

Answer: A

A leaky roof is a condition that increases the likelihood of a loss, which is the definition of a hazard. A peril is the direct cause of loss (e.g., water from the roof), risk is the chance of loss, and a deductible is the amount the insured must pay before the insurer responds.

Question 2 (Chapter 1)

During a claim settlement, an insurer pays the insured the full amount of repair costs plus an additional $2,000 for the inconvenience of being displaced. Which principle has been violated?

A) Indemnity
B) Subrogation
C) Liberalization
D) Adhesion

Show answer & explanation

Answer: A

The indemnity principle requires that the insured be restored to the financial position they were in before the loss—no more, no less. Paying an extra amount creates a windfall and breaches indemnity. Subrogation, liberalization, and adhesion relate to other aspects of policy law.

Question 3 (Chapter 1)

A policy has a $1,000 deductible per occurrence. A covered fire causes $7,500 of damage to the insured's home. How much will the insurer pay?

A) $7,500
B) $5,500
C) $1,000
D) $6,500

Show answer & explanation

Answer: D

The insurer pays the loss amount minus the deductible: $7,500 – $1,000 = $6,500. The other choices either ignore the deductible or incorrectly calculate the payment.

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Practice Questions 4-12: Property Agent Exam Sample

Personal Insurance Coverages is the single biggest block on the Property Agent exam at 25 of 55 items, more than double Commercial Insurance Coverages (10) or North Carolina property law (13). These nine move through the Standard Fire Policy's named perils, coinsurance and valuation on a commercial Building and Personal Property form, and the North Carolina Rate Bureau's role in rate filings.

Question 4 (Chapter 2)

A homeowner purchases a Standard Fire Policy for a single‑family dwelling. After a severe winter, a pipe bursts and water floods the basement, damaging flooring and personal items. Which of the following statements is correct regarding coverage for this loss?

A) The loss is covered because water damage is a named peril in the Standard Fire Policy.
B) The loss is covered under the policy's “interest of the insured” clause.
C) The loss is covered because the Standard Fire Policy automatically includes all water‑related perils.
D) The loss is excluded unless the policy contains a specific endorsement covering water damage from burst pipes.

Show answer & explanation

Answer: D

The Standard Fire Policy only covers the perils expressly listed (fire, lightning, explosion, aircraft, riot, and any endorsed perils). Water damage from a burst pipe is not a listed peril, so it is excluded unless an endorsement is added. A is wrong because water damage is not a named peril. C is wrong; the interest of the insured clause allows the insurer to deduct the deductible, not to add coverage. B is wrong because the policy does not automatically cover all water‑related perils.

Question 5 (Chapter 2)

A policyholder has a Standard Fire Policy with a $15,000 limit and a $500 deductible. The policy provides replacement‑cost settlement. A covered fire destroys personal property with a replacement cost of $20,000. How much will the insurer pay?

A) $20,000
B) $15,000
C) $19,500
D) $14,500

Show answer & explanation

Answer: D

The insurer may not exceed the policy limit of $15,000. After applying the $500 deductible, the payable amount is $15,000 – $500 = $14,500. A is wrong because it exceeds the limit. B is wrong because it ignores the deductible. C is wrong because it subtracts the deductible from the replacement cost instead of from the limit.

Question 6 (Chapter 2)

An applicant for a Standard Fire Policy knowingly and intentionally omits a fire that occurred at the same property two years earlier, intending to deceive the insurer into issuing the policy. Which North Carolina statute addresses this kind of deception as false pretenses or cheating?

A) G.S. 58-63-15 (Unfair Trade Practices)
B) G.S. 58-33-125 (License Fees)
C) G.S. 20-310 (Motor Vehicle Policy Cancellation)
D) G.S. 14-100 (False Pretenses and Cheats)

Show answer & explanation

Answer: D

G.S. 14-100 addresses obtaining property or a benefit through false pretenses or cheating, which covers this kind of intentional deception. The Standard Fire Policy's own concealment-and-fraud condition separately allows the insurer to deny or void coverage for such misrepresentation. A addresses unfair trade practices by insurers, not applicant misrepresentation. B concerns licensing fees. C concerns motor vehicle policy cancellation.

Question 7 (Chapter 2)

After a covered loss, the insured and the insurer cannot agree on the amount of loss. The policy contains an appraisal clause. What is the next step under the appraisal provision?

A) The insurer must pay the amount it believes is correct and the insured must accept it.
B) The dispute must be resolved in court before any payment is made.
C) The insurer may unilaterally decide to settle the claim for the policy limit.
D) Either party may demand an appraisal, and an umpire will be appointed if the appraisers disagree.

Show answer & explanation

Answer: D

An appraisal clause allows either the insurer or the insured to demand appraisal. Each selects an appraiser; if the two appraisers cannot agree, they select an umpire whose decision is binding. A is wrong because the clause provides a mechanism to resolve disagreement. B is unnecessary; appraisal is an alternative to litigation. C is incorrect; the insurer cannot ignore the appraisal process.

Question 8 (Chapter 2)

A Standard Fire Policy pays a claim for fire damage to a homeowner's dwelling. The insurer then sues the neighbor who caused the fire. What duty does the insured have after the insurer asserts subrogation?

A) The insured must assign all rights to the insurer and cannot be involved further.
B) The insured must pay any judgment against the neighbor to protect the insurer's interest.
C) The insured may withhold any settlement from the insurer.
D) The insured must cooperate with the insurer's investigation and may be required to testify.

Show answer & explanation

Answer: D

When an insurer asserts subrogation, the insured is obligated to cooperate, including providing testimony and documents. A is too broad; the insured retains some rights unless the policy states otherwise. B is wrong; the insurer, not the insured, pursues the third‑party claim. C is wrong; the insured cannot withhold the insurer's payment.

Question 9 (Chapter 3)

A manufacturing company has a $2,000,000 building and $1,200,000 of its own equipment. It also stores $300,000 of a third‑party's inventory in its warehouse. The BPP policy limits personal property of others to $250,000. A fire destroys the warehouse and the third‑party's inventory. How much of the third‑party's loss is payable under the BPP policy?

A) $300,000, the full amount of the third‑party's loss
B) $0, because the BPP does not cover property of others
C) $200,000, reduced by a 20% coinsurance penalty
D) $250,000, the limit of insurance for personal property of others

Show answer & explanation

Answer: D

The BPP form provides a separate limit for personal property of others; the policy states $250,000, so that is the maximum payable regardless of the actual loss amount. D is correct. A is wrong because the $250,000 limit caps the payout below the full $300,000 loss. B is wrong because the BPP does cover property of others, subject to that limit. C is wrong because coinsurance applies to the insured's own property, not to the separate third-party personal-property-of-others limit.

Question 10 (Chapter 3)

A retailer insures its building for $800,000 on an 80% coinsurance clause. The actual replacement cost of the building is $1,000,000. A covered fire causes $400,000 of damage. What amount will the insurer pay?

A) $360,000
B) $320,000
C) $200,000
D) $400,000

Show answer & explanation

Answer: D

Required insurance = 80% of $1,000,000 = $800,000. The insured's $800,000 limit equals the required amount, so no coinsurance penalty applies. The insurer therefore pays the full $400,000 loss (there is no deductible stated). A and B both apply penalties that do not exist here. D is unrelated to the correct calculation.

Question 11 (Chapter 3)

A small business purchases a BPP policy that states the loss valuation clause is "actual cash value" (ACV). After a covered windstorm, the roof must be replaced at a cost of $120,000, but its depreciated value is $80,000. How much will the insurer pay for the roof?

A) $120,000
B) $100,000, the average of cost and ACV
C) $0, because ACV is not allowed for roofs
D) $80,000

Show answer & explanation

Answer: D

An ACV clause pays the depreciated value of the damaged property. The roof's ACV is $80,000, so the insurer pays that amount (option D). A reflects the full replacement cost, which does not apply because the policy uses ACV, not replacement cost. B is not how ACV works; it is not an average of replacement cost and depreciated value. C is wrong because ACV is a standard, permissible valuation basis under a BPP policy.

Question 12 (Chapter 7)

A property insurer in Raleigh wants to file a new homeowners rate with the Commissioner. The insurer asks whether it can use the loss cost tables published by the North Carolina Rate Bureau as the sole basis for the rate filing. What is the correct answer under G.S. 58-36-1 et seq.?

A) No, the Bureau only provides loss data; the insurer must still develop its own rates and justify them.
B) Yes, the Bureau’s tables are mandatory and must be used for all rate filings.
C) Yes, but only if the insurer is a member of the Rate Bureau.
D) No, the Bureau’s tables are confidential and cannot be used by any insurer.

Show answer & explanation

Answer: A

G.S. 58-36-1 creates the North Carolina Rate Bureau to collect and publish loss experience data, but it does not set rates. Insurers may rely on the data when developing rates, but they must still calculate and justify their own premiums. Option B is wrong because the tables are not mandatory; Option C is wrong because membership does not make the tables required; Option D is wrong because the tables are publicly available in aggregate form.

Practice Questions 13-21: Casualty Agent Exam Sample

On the Casualty Agent exam, Personal Insurance Coverages (18 of 55) and Commercial Insurance Coverages (15) together outweigh North Carolina casualty law (15) only slightly. These nine move through the personal auto policy's named-insured definitions and coverage parts, a Commercial General Liability occurrence trigger and its personal-and-advertising-injury coverage, and the North Carolina Rate Bureau's limited, private-passenger-only rate authority under Article 36.

Question 13 (Chapter 4)

Maria signs a personal auto policy on the North Carolina Rate Bureau form. Her husband, John, is listed on the declarations page as an additional insured. Which statement best describes the difference between "named insured" and "an insured" under the policy?

A) "Named insured" includes only Maria, while "an insured" includes Maria, John, and any family members who drive the car with permission.
B) "Named insured" and "an insured" are interchangeable terms that both refer only to the policyholder who pays the premium.
C) "Named insured" refers to the persons whose names appear on the declarations page; "an insured" is a broader term that includes the named insured, additional insureds, and any other persons covered under the policy definitions.
D) "Named insured" includes only the primary driver, while "an insured" includes only the vehicle owner.

Show answer & explanation

Answer: C

The North Carolina Rate Bureau form defines "named insured" as the person(s) whose names appear on the declarations page. "An insured" is a broader term that includes the named insured, any additional insureds listed on the policy, and any other persons who meet the policy's insured definitions (e.g., family members with permission). Option A incorrectly limits "named insured" to Maria only. Option B incorrectly states the terms are interchangeable. Option D mischaracterizes the definitions.

Question 14 (Chapter 4)

After his car is in the shop for repairs, Alex rents a vehicle for two weeks. Which of the following best describes the rental car's status under Alex's personal auto policy?

A) It is not covered because the policy only insures vehicles listed on the declarations page.
B) It is covered only if Alex purchases a separate rental reimbursement endorsement.
C) It is a covered automobile because it is a temporary substitute automobile.
D) It is considered a non‑owned automobile and is excluded from coverage.

Show answer & explanation

Answer: C

The Rate Bureau form defines a "temporary substitute automobile" as a rental, borrowed, or other vehicle used temporarily while the primary covered automobile is unavailable. Such vehicles are covered under the policy. Option A ignores the temporary substitute provision. Option B confuses rental reimbursement with liability coverage, which is already provided. Option D mislabels the rental as a non‑owned automobile; while it is non‑owned, the policy still covers it as a temporary substitute.

Question 15 (Chapter 4)

Samantha is sued for bodily injury after a collision. Which part of her personal auto policy provides the primary defense and indemnity for this liability claim?

A) Part B – Medical Payments Coverage
B) Part C – Uninsured/Underinsured Motorist Coverage
C) Part A – Liability Coverage
D) Part D – Physical Damage Coverage

Show answer & explanation

Answer: C

Part A of the North Carolina Rate Bureau personal auto policy provides liability coverage, which includes defense and indemnity for bodily injury and property damage claims against the insured. Part B pays medical expenses regardless of fault. Part C applies when the other driver is uninsured or underinsured. Part D covers damage to the insured's own vehicle.

Question 16 (Chapter 4)

During a family picnic, a child is injured when a baseball strikes a passenger in the back seat of Laura's car. Which coverage pays for the passenger's medical expenses, assuming the injury is not caused by a third party?

A) Part B – Medical Payments Coverage
B) Part A – Liability Coverage
C) Part C – Uninsured Motorist Coverage
D) Part D – Physical Damage Coverage

Show answer & explanation

Answer: A

Medical Payments Coverage (Part B) pays for reasonable medical expenses of the insured, family members, and passengers regardless of fault. Liability coverage (Part A) would not apply because no third party caused the injury. Uninsured Motorist Coverage (Part C) is irrelevant, and Physical Damage (Part D) covers the vehicle, not medical costs.

Question 17 (Chapter 5)

A consulting firm purchases a Commercial General Liability (CGL) policy that contains a standard occurrence form. Six months after a client signs a contract, the client sues for bodily injury that allegedly occurred during a site visit two weeks after the contract was signed. Which statement best describes coverage under the CGL policy?

A) The claim is covered because the injury occurred after the policy inception, regardless of when the lawsuit is filed.
B) The claim is not covered because the policy is claims‑made, not occurrence.
C) The claim is not covered because the injury occurred after the contract was signed, which is an exclusion in the CGL form.
D) The claim is covered because the injury occurred during the policy period, even though the lawsuit was filed after the policy expired.

Show answer & explanation

Answer: D

A standard CGL occurrence form provides coverage for any bodily injury or property damage that occurs during the policy period, regardless of when the claim is filed. The injury happened within the policy period, so coverage applies. A is too broad (the timing of the lawsuit is irrelevant). B is incorrect because the form is occurrence, not claims‑made. C is incorrect; signing a contract is not an exclusion.

Question 18 (Chapter 5)

A marketing agency’s CGL policy includes Coverage B for personal and advertising injury. The agency distributes a flyer that unintentionally contains a false statement about a competitor’s product, resulting in a libel lawsuit. Which element of Coverage B is triggered?

A) Defamation of a private individual
B) Invasion of privacy
C) Wrongful termination of an employee
D) Libel, a form of written defamation

Show answer & explanation

Answer: D

Coverage B protects against personal and advertising injury, which includes libel (written defamation). The flyer’s false statement is libelous, so Coverage B applies. A is incorrect because the plaintiff is a competitor, not a private individual. B and C are not covered under Coverage B.

Question 19 (Chapter 5)

A restaurant’s CGL policy contains a supplementary payments provision that states the insurer will pay defense costs "in addition to the limits of liability." How does this affect the aggregate limit of $1,000,000 for Coverage A?

A) Defense costs are subtracted from the $1,000,000 aggregate limit.
B) Defense costs are only paid if the claim is settled, not if it goes to trial.
C) The provision is void under G.S. 58‑63‑20, so defense costs are not covered.
D) Defense costs are paid separately and do not reduce the $1,000,000 aggregate limit.

Show answer & explanation

Answer: D

When the policy states that defense costs are paid "in addition to" the limits, the insurer pays those costs separately; they do not reduce the aggregate limit. A describes the opposite arrangement. B is incorrect; defense costs are payable regardless of settlement or trial. C misapplies the unfair trade practices statute; the provision is valid.

Question 20 (Chapter 8)

A Charlotte insurer is setting the premium for a new 22‑year‑old driver. The insurer uses the loss‑cost study published by the North Carolina Rate Bureau. Which of the following statements is most accurate under Article 36 of the North Carolina Insurance Code?

A) The Rate Bureau’s recommendation is persuasive only; the insurer may file a different rate with the Commissioner.
B) The Rate Bureau’s recommended rate must be used; the insurer cannot deviate.
C) The Rate Bureau sets the final premium amount for all private passenger auto policies.
D) The Rate Bureau’s data are mandatory for commercial truck policies as well as private passenger auto.

Show answer & explanation

Answer: A

Article 36 (G.S. 58‑36‑1 et seq.) creates a statutory Rate Bureau that gathers loss data and publishes recommended rates for private passenger automobile insurance. The recommendation is persuasive, but insurers may file a different rate with the Commissioner, provided it is actuarially justified. B is wrong because the recommendation is not mandatory. C is wrong because the Bureau does not set final premiums. D is wrong because the Bureau’s data apply only to private passenger auto, not commercial trucks.

Question 21 (Chapter 8)

An insurance company wants to use the North Carolina Rate Bureau’s loss‑cost study to set rates for a fleet of delivery vans. Under G.S. 58‑36‑20, is this permissible?

A) No, the Bureau’s recommended rates are limited to private passenger automobiles.
B) Yes, the Bureau’s study covers all motor vehicles, including commercial fleets.
C) Yes, but only if the insurer obtains written permission from the Commissioner.
D) No, because the study is confidential and cannot be used by insurers.

Show answer & explanation

Answer: A

G.S. 58‑36‑20 limits the Rate Bureau’s recommended rates to private passenger automobile insurance. Commercial vehicles such as delivery vans are excluded, so the insurer cannot rely on the Bureau’s study for those rates. B is incorrect because the scope is limited. C is incorrect; permission does not expand the statutory scope. D is incorrect; the study is public, not confidential.

Practice Questions 22-25: North Carolina Law Common to Both Exams

Both outlines fold their own state-law section around licensing, the Commissioner's enforcement authority and unfair trade practices into the Property or Casualty side separately, but the underlying statutes — adjuster and producer licensing under Article 33, and misrepresentation and other unfair trade practices under Article 63 — are the same regardless of which exam is tested. These four come from that material.

Question 22 (Chapter 6)

A North Carolina resident files a complaint with the Consumer Services Division (11 NCAC 4) alleging that their property insurer failed to honor a claim for wind damage after Hurricane Matthew in 2016. The insurer argues the loss was excluded under the policy’s named storm deductible. The Commissioner’s office refers the complaint to the Division of Insurance for review. Which of the following statements is accurate about the Commissioner's authority here?

A) The Commissioner may order the insurer to correct the violation and, after notice and an opportunity for a hearing, may impose a civil penalty.
B) The Commissioner has no authority to act, because the statute does not provide for any enforcement.
C) The insurer's Certificate of Authority is automatically revoked, with no hearing required.
D) Only a court, not the Commissioner, can grant any remedy for this violation.

Show answer & explanation

Answer: A

The Commissioner has authority to investigate violations of the general regulations and unfair-practice statutes and to order corrective action, including a civil penalty, but license or authority revocation is a due-process matter that requires notice and a hearing rather than happening automatically. Option B is wrong because the Commissioner does have enforcement authority here. Option C is wrong because revocation is not automatic. Option D is wrong because the Commissioner, not only a court, can act directly.

Question 23 (Chapter 6)

An unlicensed adjuster in North Carolina is hired by a property insurer to investigate a fire claim. The adjuster issues a reservation of rights letter to the insured, delaying the claim payment for 45 days. The insured files a complaint with the NCDOI, alleging the adjuster’s actions violated G.S. 58-33-80. Which of the following statements is true regarding the adjuster's status?

A) The adjuster must be licensed under G.S. 58-33-80 regardless of the type of insurer that employs them; operating without a license is itself a violation.
B) The adjuster is exempt from licensing because the employer is a surplus lines insurer.
C) Adjusters are not regulated by the NCDOI because surplus lines business falls under federal law.
D) Only the insurer, never the adjuster personally, can face any consequence for unlicensed adjusting.

Show answer & explanation

Answer: A

G.S. 58-33-80 requires adjusters to be licensed, and this requirement is not excused because the employer happens to be a surplus lines insurer; surplus lines business is still subject to North Carolina's licensing and unfair-practice laws. Option B and C are wrong because there is no such exemption. Option D is wrong because an unlicensed individual who adjusts claims is personally subject to the licensing requirement.

Question 24 (Chapter 6)

A North Carolina Property & Casualty agent, licensed under G.S. 58-33-5, is found to have knowingly misrepresented a homeowner's policy to a client, leading the client to believe they had flood coverage when they only had wind/hail. The client suffers a flood loss and files a complaint with the NCDOI. What is the primary violation committed by the agent?

A) Misrepresentation, an unfair trade practice under Article 63
B) Unfair discrimination
C) Defamation under G.S. 14-100
D) Rebating under G.S. 58-33-85

Show answer & explanation

Answer: A

Misrepresenting the scope of coverage to a client is a form of misrepresentation, one of the unfair trade practices addressed by Article 63. Option B refers to discrimination, a different kind of violation. Option C (defamation) and C (rebating, which involves illegal inducements) do not describe what happened here.

Question 25 (Chapter 6)

A North Carolina insurer is found to have unlawfully canceled a homeowners policy without providing the notice required under G.S. 58-63-20. The insured files a complaint, and the Commissioner determines the cancellation was unfair. Which of the following statements is accurate about the Commissioner's authority here?

A) The Commissioner may order the insurer to correct the violation and, after notice and an opportunity for a hearing, may impose a civil penalty.
B) The Commissioner has no authority to act, because the statute does not provide for any enforcement.
C) The insurer's Certificate of Authority is automatically revoked, with no hearing required.
D) Only a court, not the Commissioner, can grant any remedy for this violation.

Show answer & explanation

Answer: A

The Mistakes That Cost Marks

Treating the North Carolina Rate Bureau as a rate-setter. Article 36 creates the Bureau to collect and publish loss data and recommended rates for private passenger auto and homeowners lines, but an insurer must still develop and justify its own filed rate; the Bureau's recommendation is persuasive, not mandatory, and its data does not extend to commercial vehicles.

Reading a Commissioner corrective order as an automatic revocation. The Commissioner can order an insurer to correct a violation and, after notice and a hearing, impose a civil penalty. License or Certificate of Authority revocation is a separate, due-process step, not something that happens automatically alongside a corrective order.

Mixing up named insured and an insured. The named insured is whoever is printed on the declarations page. 'An insured' is the broader term that also reaches additional insureds and other people the policy's own definitions cover, such as a family member driving with permission.

Stopping a coinsurance or property-of-others calculation at the loss amount. Coinsurance compares the insurance actually carried to the insurance required (the coinsurance percentage applied to the value at the time of loss); a separate personal-property-of-others limit on a BPP policy caps the payout at that limit regardless of the loss, and it is not reduced by a coinsurance penalty that applies to the insured's own property.

Assuming the Reinsurance Facility responds to any large claim. The Facility is a back-stop for aggregate catastrophic losses that threaten participating insurers' solvency, not a fund an insurer can draw on for one unusually large liability claim.

Your Next Step

How did you score?

20 or more correct (80%+): You are comfortably above the scaled-70 target on both exams. Book whichever exam you are closer to finishing your prep for, then work the two topic sets that go deeper on each one: the Property Agent exam and the Casualty Agent exam.
17-19 correct: You are in range but without much margin, especially since 25 questions here stand in for two 55-question exams. Note the chapter of every question you missed and work that chapter's audio lesson again before moving to the topic sets above.
Under 17 correct: You need the material, not more questions. Start with the study plan in how to pass the North Carolina Property & Casualty exam on your first try and work through the audio chapters before testing yourself again. First-time pass rates run 49% on the Property Agent exam and 53-54% on the Casualty Agent exam — there is no reason to expect a second attempt with the same preparation to go better.

Chapters 1 and 9 of the LanePrep North Carolina course are free at /nc/p-and-c/preview — full audio and the chapter quiz, no signup. For a full-length timed run on either exam, try the practice exam.

Exam structure and fees from the NCDOI/Pearson VUE candidate guide #123400 (October 2025 edition). Question counts and content weighting from Pearson VUE content outline #123415 (effective March 2, 2026, Property Agent and Casualty Agent extract). Pass rates from the NAIC compiled pass-rate reports for 2024 and 2025. Read October 2026.

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