1|Page
Property and Casualty Insurance Exam with 280
Practice Questions and Answers/ P & C License
Test 2025 Prep Qs and As/ P and C Insurance
General Qs
What is the required rate discount under a Good Driver
Discount policy? - ...✔✔ANSWER✔✔...20% below the rate
the insured would have been otherwise charged for the
same coverage
All the following are authorized activities for the Limited
Automobile Insurance Agent EXCEPT if the agent -
...✔✔ANSWER✔✔...Charges and collects a brokers fee for
service
What is the procedure for refusing uninsured motorist
coverage in a liability policy? - ...✔✔ANSWER✔✔...Prior to
issuance or renewal, the insured may state in writing that
they do not want the coverage
How many classes of insurance are defined under
California Insurance Law, including "miscellaneous" and
"reserved" - ...✔✔ANSWER✔✔...There are a total of 20
,2|Page
classes of insurance defined under California Law, with
many sub-classes.
When can a person who sells real property require the
use of a specific insurance agent, broker or solicitor? -
...✔✔ANSWER✔✔...A buyer is always able to choose their
own insurance representative
All the following are requirements for determining an
area that qualifies for Low Cost Automobile Insurance
EXCEPT - ...✔✔ANSWER✔✔...The number of auto
accidents that occur within the country
Which of the following describes a contract of
reinsurance? - ...✔✔ANSWER✔✔...The first insurer issues
insurance to compensate another insurer for losses on
contracts issued by that second insurer
The managing General Agent negotiates and binds ceding
Insurance on behalf of whom? - ...✔✔ANSWER✔✔...The
insurer
, 3|Page
All of the following are duties of a Managing General
Agent EXCEPT - ...✔✔ANSWER✔✔...Delivering policies to
the insured
Who is able to place business through the California
Automobile Assessed Risk Program? -
...✔✔ANSWER✔✔...Only agent/brokers licensed in fire
and Casualty who have also been certified through
CAARP
Can a lender, as a condition of making a loan, require that
any insurance be placed through a particular insurance
agent or broker? - ...✔✔ANSWER✔✔...The loan recipient
may always select a particular agent or broker of their
choosing
All of the following apply to "Approved of Insurance
Rates" EXCEPT - ...✔✔ANSWER✔✔...A commissioner
shall notify the public of a rate change after it has been
approved
Who must be able to inspect records of insurance
transactions made availability by agent-brokers at any
time? - ...✔✔ANSWER✔✔...The insurance commissioner
Property and Casualty Insurance Exam with 280
Practice Questions and Answers/ P & C License
Test 2025 Prep Qs and As/ P and C Insurance
General Qs
What is the required rate discount under a Good Driver
Discount policy? - ...✔✔ANSWER✔✔...20% below the rate
the insured would have been otherwise charged for the
same coverage
All the following are authorized activities for the Limited
Automobile Insurance Agent EXCEPT if the agent -
...✔✔ANSWER✔✔...Charges and collects a brokers fee for
service
What is the procedure for refusing uninsured motorist
coverage in a liability policy? - ...✔✔ANSWER✔✔...Prior to
issuance or renewal, the insured may state in writing that
they do not want the coverage
How many classes of insurance are defined under
California Insurance Law, including "miscellaneous" and
"reserved" - ...✔✔ANSWER✔✔...There are a total of 20
,2|Page
classes of insurance defined under California Law, with
many sub-classes.
When can a person who sells real property require the
use of a specific insurance agent, broker or solicitor? -
...✔✔ANSWER✔✔...A buyer is always able to choose their
own insurance representative
All the following are requirements for determining an
area that qualifies for Low Cost Automobile Insurance
EXCEPT - ...✔✔ANSWER✔✔...The number of auto
accidents that occur within the country
Which of the following describes a contract of
reinsurance? - ...✔✔ANSWER✔✔...The first insurer issues
insurance to compensate another insurer for losses on
contracts issued by that second insurer
The managing General Agent negotiates and binds ceding
Insurance on behalf of whom? - ...✔✔ANSWER✔✔...The
insurer
, 3|Page
All of the following are duties of a Managing General
Agent EXCEPT - ...✔✔ANSWER✔✔...Delivering policies to
the insured
Who is able to place business through the California
Automobile Assessed Risk Program? -
...✔✔ANSWER✔✔...Only agent/brokers licensed in fire
and Casualty who have also been certified through
CAARP
Can a lender, as a condition of making a loan, require that
any insurance be placed through a particular insurance
agent or broker? - ...✔✔ANSWER✔✔...The loan recipient
may always select a particular agent or broker of their
choosing
All of the following apply to "Approved of Insurance
Rates" EXCEPT - ...✔✔ANSWER✔✔...A commissioner
shall notify the public of a rate change after it has been
approved
Who must be able to inspect records of insurance
transactions made availability by agent-brokers at any
time? - ...✔✔ANSWER✔✔...The insurance commissioner
