Pass Your Property & Casualty (P&C) Exam: FREE P&C Practice Exam - Auto Questions
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Passing the Property and Casualty (P&C) exam can feel like climbing a mountain. But here’s the good news: You don’t have to do it alone! I’ve been there, and I know exactly what it takes to succeed. Whether you’re just starting out or have been struggling to pass, this quick practice exam will help test your knowledge and give you a boost! But don't stop here, when you are finished this free P&C Practice Exam, keep your studying going with our full practice exam with 100 questions, PLUS comprehensive video lessons on every chapter !
Whether you’re just starting out or have struggled in the past, this practice exam will test your knowledge on the Auto section and show you where you stand. And when you’re done, keep your momentum going with over 100 questions with full detailed explanations PLUS a full video lesson with detailed explanations for each question!
Why Memorization Alone Won’t Help You Pass the P&C Exam
Let’s be real: You could study for months and still fail if you’re only memorizing terminology. The P&C exam tests your understanding and ability to apply information, not just your ability to memorize. That’s why our program focuses on teaching, applying, and understanding the material — the exact approach that has helped thousands of others just like you PASS the exam!
How to Study Smart for Your P&C Exam
Here’s the proven system we've used that has helped others PASS:
Read your study material thoroughly
Watch our detailed video lessons
Take notes to reinforce key concepts from our video lessons (NOT from your reading!)
Take our 100+ question practice exam
Use our study guide for extra guidance and review
Remember, it’s not about studying harder — it’s about studying smarter.
Important: The FREE practice questions give you a preview of what to expect, but to unlock all 100+ questions and get full detailed explanations, you’ll need our complete on-demand program.
Free P&C Practice Exam Questions to Test Your Knowledge
For full detailed explanations on these questions plus 100+ additional practice questions, get our complete on-demand P&C exam program.
The following losses are excluded from coverage on a Personal Auto Policy EXCEPT:
A. Replacement of an engine that threw a piston while the car was being operated.
B. A broken window caused by someone who broke it to steal a radar detector
C. Theft of a stereo player the insured hooked up in the trunk of his vehicle
D. Damage to special carpeting the insured installed in his van.
✅ Answer: B
What is the name of the Federal Law that requires all Commercial Carriers to carry liability coverage in the event they cause bodily injury or property damage?
A. The Motor Carrier Act of 1980
B. The Motor Carrier Act of 1998
C. MCS-90 Act
D. The Jones Act
✅ Answer: A
Ricky fell asleep while driving, causing his car to drift into the next lane and collide with Joan’s car, which then went into a ditch. In a no-fault state, which driver’s insurance would cover Joan’s medical expenses?
A. Ricky's insurance will pay up to limits, then Joan's insurance will pay any additional amounts.
B. Joan's insurance will pay.
C. Joan's insurance will pay, then Ricky's insurance will pay any additional amounts.
D. Ricky's insurance will pay all damages.
✅ Answer: B
What coverage is needed by a trucking company to provide public liability in the event of a pollution spill and the required cleanup?
A. Broad Form Property Damage Coverage Endorsement
B. Motor Carrier Form
C. Environmental Impact Broad Form Coverage
D. MCS-90 Endorsement
✅ Answer: D
First party benefits cannot be paid to:
A. The owner of a recreational vehicle not intended for use on highways
B. Occupants of the insured’s motor vehicle
C. An insured who is not first named
D. Anyone who is not the occupant of the mobile vehicle
✅ Answer: A
Kimberly is injured in an accident with an at-fault driver who had insufficient automobile liability limits to satisfy the judgment against the driver. In this situation, Kimberly is able to seek recovery under which of the following coverages under her Personal Auto Policy?
A. Medical Payments
B. Uninsured Motorists
C. Underinsured Motorists
D. Bodily injury Liability
✅ Answer: C
Under the terms of a PAP (Personal Auto Policy), an insured involved in an accident is required to take all of the following actions EXCEPT:
A. Authorize the insurance company to obtain related medical records
B. Submit to a medical examination at the request of the insurance company
C. Cooperate in the investigation or defense of a claim
D. Institute suit against a negligent third party
✅ Answer: D
Which of the following is covered under collision coverage?
A. Damage caused by a hailstorm
B. Damage caused when your car hits another vehicle
C. Theft of personal belongings from your vehicle
D. Flood damage
✅ Answer: B
Which scenario is covered under uninsured motorist (UM) coverage?
A. Injury to the driver of a vehicle when involved in an accident with a driver with no insurance
B. Damage to driver's vehicle when involved in an accident with a driver with no insurance
C. Injury to the driver of a vehicle when you are driving with no insurance
D. Fire damage to your vehicle
✅ Answer: A
Medical Payments (MedPay) under a Personal Auto Policy pays for:
A. Injuries to the other driver and their passengers in a covered accident
B. Damage to the insured vehicle from a collision
C. Injuries the insured sustains when is hit by a car while jogging on Sunday afternoon
D. Injuries to a pedestrian caused by the insured's vehicle
✅ Answer: C
Ready to see all 100+ questions with full explanations and video lessons? Unlock the complete on-demand P&C exam program today ▼
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