NC P&C
North Carolina Property & Casualty Insurance License Exam
North Carolina regulates Property & Casualty producer licensing through North Carolina Department of Insurance (NCDOI), with the exam delivered by Pearson VUE. NC does not offer a combined P&C exam; Property Agent and Casualty Agent are two separate exams, each 55 scored questions plus up to 5 unscored pretest questions (60 total on screen), each $45, each 1h15m, each passing score 70 (scaled, not raw percentage). North Carolina requires 40 hours of approved prelicensing education before you may sit the exam. C3RT includes Property & Casualty practice content built specifically for North Carolina, covering national concepts plus North Carolina statute, producer duties, and ethics.
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NC P&C Exam Overview
| Detail | Information |
|---|---|
| Full Name | North Carolina Property & Casualty Insurance License Exam |
| Governing Body | North Carolina Department of Insurance (NCDOI) |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | North Carolina Department of Insurance (NCDOI) official website ↗ |
NC P&C Content Areas and Domains
Domain areas are sourced from the North Carolina Department of Insurance (NCDOI) 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
- ✓ North Carolina insurance law and regulations
How C3RT Helps You Pass the NC P&C
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the NC P&C is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real NC 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 NC P&C Practice Questions
Q1.Under North Carolina law, which of the following is prohibited regarding classification plans for private passenger (nonfleet) motor vehicles?
- The calculation of risk variations based on vehicle mileage.
- The application of discounts for drivers over the age of 65.
- The inclusion of gender-based discounts for female drivers under 25.
- The use of age or gender as a basis for standards or rating plans.Correct
NC law strictly prohibits basing standards or rating plans directly or indirectly on age or gender for nonfleet private vehicles. While the scenario mentions a specific discount, the underlying legal prohibition covers all such factors.
Q2.Under North Carolina law, which of the following vehicles is specifically excluded from the definition of a 'motor vehicle'?
- Semitrailers
- Farm tractorsCorrect
- Self-propelled vehicles designed for highway use
- Trailers
North Carolina law explicitly excludes farm tractors, road rollers, and traction engines from the definition of a motor vehicle. Trailers and semitrailers are included in the definition.
Q3.Under North Carolina law, which of the following vehicles is specifically excluded from the definition of a 'motor vehicle' for insurance purposes?
- A tractor crane used for heavy lifting operations.Correct
- A self-propelled trailer used for hauling cargo on a public highway.
- A semitrailer designed for use upon a highway.
- A standard passenger car designed for use upon a highway.
North Carolina law explicitly excludes tractor cranes from the definition of a motor vehicle; however, trailers and semitrailers are included. Options 0 and 2 are included in the definition, while option 3 is a standard motor vehicle.
NC P&C Frequently Asked Questions
What does NC P&C stand for?
NC P&C stands for North Carolina Property & Casualty Insurance License Exam. It is administered by North Carolina Department of Insurance (NCDOI).
Who administers the NC P&C?
The North Carolina Property & Casualty Insurance License Exam (NC P&C) is administered by North Carolina Department of Insurance (NCDOI). For official information, visit the North Carolina Department of Insurance (NCDOI) website.
Does North Carolina have a combined Property & Casualty exam?
NC does not offer a combined P&C exam; Property Agent and Casualty Agent are two separate exams, each 55 scored questions plus up to 5 unscored pretest questions (60 total on screen), each $45, each 1h15m, each passing score 70 (scaled, not raw percentage). Check North Carolina Department of Insurance (NCDOI) for the current exam-registration process.
Does North Carolina require prelicensing education for Property & Casualty?
Yes. North Carolina requires 40 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 North Carolina-approved provider.
What score do I need to pass the North Carolina Property & Casualty exam?
North Carolina requires 70 (scaled score) on the Property & Casualty exam. Confirm the current standard with North Carolina Department of Insurance (NCDOI), since passing standards can change.
Is the Property & Casualty exam different in North Carolina than in other states?
Partly. Core Property & Casualty concepts are broadly similar nationwide, but North Carolina tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by North Carolina Department of Insurance (NCDOI).
C3RT is a native iOS and macOS exam preparation platform covering the North Carolina Property & Casualty Insurance License Exam (NC P&C), a Insurance Licensing certification, administered by North Carolina Department of Insurance (NCDOI). C3RT is not affiliated with or endorsed by North Carolina Department of Insurance (NCDOI). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the North Carolina Department of Insurance (NCDOI) official website ↗ .