NC PERSONAL LINES PRACTICE TEST QUESTIONS WITH
ANSWERS 2025/2026 GRADED A+
HO Cancellation for policy not renewed at anniversary - 30 days
HO Coverage E - Personal Liability
HO Coverage F - Medical Payments to Others
Coinsurance Minimum for Coverage A - 80%
Coinsurance equation for loss covered - Amount carried/Amount that should be carried=
Percentage
Percentage*loss= Amount paid for losses
Split Liability NC minimum - 30/60/25
PAP Cancellation for non-payment of premiums - 15 days
PAP Cancellation for all other reasons - 60 days
Public Law 15 - Regulation responsibility is up to the states
Under SFP, is a fire in a 30 day Vacant house covered - YES
Would an employee driving a delivery truck be covered under PAP? - NO
Is punching someone in the face deliberately a HO personal injury? - NO
Is a babysitting minor covered under an HO policy? - YES
Is a vehicle operated by a foreign national considered an uninsured motor vehicle? - NO
How long will MedPay pay reasonable expenses for injuries incurred? - 3 years
Will the DP-2 and DP-3 policies cover glass breakage for a dwelling vacant for 60+
days? - NO
In DP-1 what percent of Coverage A is Coverage B? - 10%
How long does the Commissioner have to refute auto rates? - 50 days
Is sexual Harassment covered under the personal injury endorsement? - NO
Do property and casualty policies cover losses by a bailee? - YES
ANSWERS 2025/2026 GRADED A+
HO Cancellation for policy not renewed at anniversary - 30 days
HO Coverage E - Personal Liability
HO Coverage F - Medical Payments to Others
Coinsurance Minimum for Coverage A - 80%
Coinsurance equation for loss covered - Amount carried/Amount that should be carried=
Percentage
Percentage*loss= Amount paid for losses
Split Liability NC minimum - 30/60/25
PAP Cancellation for non-payment of premiums - 15 days
PAP Cancellation for all other reasons - 60 days
Public Law 15 - Regulation responsibility is up to the states
Under SFP, is a fire in a 30 day Vacant house covered - YES
Would an employee driving a delivery truck be covered under PAP? - NO
Is punching someone in the face deliberately a HO personal injury? - NO
Is a babysitting minor covered under an HO policy? - YES
Is a vehicle operated by a foreign national considered an uninsured motor vehicle? - NO
How long will MedPay pay reasonable expenses for injuries incurred? - 3 years
Will the DP-2 and DP-3 policies cover glass breakage for a dwelling vacant for 60+
days? - NO
In DP-1 what percent of Coverage A is Coverage B? - 10%
How long does the Commissioner have to refute auto rates? - 50 days
Is sexual Harassment covered under the personal injury endorsement? - NO
Do property and casualty policies cover losses by a bailee? - YES
