NY P&C
New York Property & Casualty Insurance License Exam
New York regulates Property & Casualty producer licensing through New York State Department of Financial Services (DFS), with the exam delivered by PSI. New York likely offers a combined Property & Casualty exam, but its current published question count, time limit, and fee could not be independently verified against an official source as of August 2026. Confirm current exam details with New York State Department of Financial Services (DFS) or the vendor candidate handbook before registering. New York requires 90 hours of approved prelicensing education before you may sit the exam. C3RT includes Property & Casualty practice content built specifically for New York, covering national concepts plus New York statute, producer duties, and ethics.
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NY P&C Exam Overview
| Detail | Information |
|---|---|
| Full Name | New York Property & Casualty Insurance License Exam |
| Governing Body | New York State Department of Financial Services (DFS) |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | New York State Department of Financial Services (DFS) official website ↗ |
NY P&C Content Areas and Domains
Domain areas are sourced from the New York State Department of Financial Services (DFS) content outline.
Topics Covered
- ✓ Property insurance basics
- ✓ Homeowners and dwelling policies
- ✓ Personal and commercial auto
- ✓ Commercial package and general liability
- ✓ Workers compensation
- ✓ Inland and ocean marine
- ✓ Flood and specialty lines
- ✓ New York insurance law and regulations
How C3RT Helps You Pass the NY P&C
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the NY P&C is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real NY P&C format with detailed score breakdowns by topic.
Mistake Bank
Every wrong answer is saved for targeted re-drill. The system resurfaces your mistakes until they stick.
Native on iOS & Mac
Built with SwiftUI, not a web wrapper. Instant load, offline support, hardware-speed rendering.
Sample NY P&C Practice Questions
Q1.Under New York Insurance Law Section 2610, what is the primary right granted to a driver regarding the repair of their vehicle following an accident?
- The driver must use a shop approved by the insurance company's preferred network.
- There is no statutory basis for a driver to choose a repair shop.
- Only commercial vehicles are permitted to select independent repair shops.
- The driver has the right to choose their own repair shop.Correct
NY Insurance Law Section 2610 explicitly protects the consumer's right to choose their own repair shop. The other options incorrectly suggest limitations on commercial vehicles or a lack of statutory authority.
Q2.Under New York Insurance Law Section 2610, which of the following best describes a limitation on an insured's right to choose their own repair shop?
- The choice is only permitted if the repair shop is located within the same county as the accident.
- The insurer may deny the choice if the selected shop is not certified by the state insurance department.
- The insured's right to choose a shop is waived if the repairs are deemed 'cosmetic' rather than structural.
- The insurer may refuse the choice if the repair costs exceed the policy's stated limits or if the shop is not licensed.Correct
Section 2610 protects the consumer's right to choose a shop, but insurers can legally deny this choice if the shop lacks proper licensing or if the repair costs exceed policy coverage. Options 1 and 3 are fabricated geographical/scope limitations not found in the statute.
Q3.Under New York Insurance Law, which specific section provides the statutory basis for a driver's right to choose their own repair shop following an automobile accident?
- Section 2610Correct
- No statutory basis
- Only applies to commercial vehicles
- Section 3050
New York Insurance Law Section 2610 specifically governs the choice of repair shop for automobile insurance. The other options are incorrect because there is a clear statutory basis and it applies to personal vehicles as well.
NY P&C Frequently Asked Questions
What does NY P&C stand for?
NY P&C stands for New York Property & Casualty Insurance License Exam. It is administered by New York State Department of Financial Services (DFS).
Who administers the NY P&C?
The New York Property & Casualty Insurance License Exam (NY P&C) is administered by New York State Department of Financial Services (DFS). For official information, visit the New York State Department of Financial Services (DFS) website.
How many questions are on the New York Property & Casualty exam?
We could not independently verify the current question count, time limit, or fee for the New York Property & Casualty exam from an official source as of August 2026. Confirm current details with New York State Department of Financial Services (DFS) before registering.
Does New York require prelicensing education for Property & Casualty?
Yes. New York requires 90 hours of approved prelicensing education before you may sit the Property & Casualty exam. C3RT is exam preparation only and does not satisfy this requirement; you must complete it through a New York-approved provider.
What score do I need to pass the New York Property & Casualty exam?
We could not confirm the current passing standard for the New York Property & Casualty exam from an official source. Most states use a 70 percent standard, though some use a scaled score or a different percentage; confirm with New York State Department of Financial Services (DFS).
Is the Property & Casualty exam different in New York than in other states?
Partly. Core Property & Casualty concepts are broadly similar nationwide, but New York tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by New York State Department of Financial Services (DFS).
C3RT is a native iOS and macOS exam preparation platform covering the New York Property & Casualty Insurance License Exam (NY P&C), a Insurance Licensing certification, administered by New York State Department of Financial Services (DFS). C3RT is not affiliated with or endorsed by New York State Department of Financial Services (DFS). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the New York State Department of Financial Services (DFS) official website ↗ .