ND P&C
North Dakota Property & Casualty Insurance License Exam
North Dakota regulates Property & Casualty producer licensing through North Dakota Insurance Department, with the exam delivered by PSI. ND does not offer a combined P&C exam; Property and Casualty are separate exams (each: 110 items, 70% needed, 150-minute length, $64 fee). North Dakota does not require prelicensing education hours for this line. C3RT includes Property & Casualty practice content built specifically for North Dakota, covering national concepts plus North Dakota statute, producer duties, and ethics.
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ND P&C Exam Overview
| Detail | Information |
|---|---|
| Full Name | North Dakota Property & Casualty Insurance License Exam |
| Governing Body | North Dakota Insurance Department |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | North Dakota Insurance Department official website ↗ |
ND P&C Content Areas and Domains
Domain areas are sourced from the North Dakota Insurance Department 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 Dakota insurance law and regulations
How C3RT Helps You Pass the ND P&C
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the ND P&C is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real ND 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 ND P&C Practice Questions
Q1.In North Dakota, how is Actual Cash Value (ACV) defined for an automobile claim?
- Replacement cost minus depreciation.Correct
- The original purchase price of the vehicle.
- Replacement cost minus deductible.
- The current market value plus the remaining loan balance.
ACV is specifically defined as replacement cost less depreciation, which typically aligns with current market value. The original purchase price does not account for wear and tear, while deductibles are subtracted from the final payout rather than defining the ACV itself.
Q2.A driver in North Dakota files a claim for a vehicle that was declared a total loss. Under state guidelines, how is the Actual Cash Value (ACV) of the automobile determined?
- The replacement cost less depreciation, representing current market value.Correct
- The replacement cost minus the applicable deductible.
- The original purchase price of the vehicle at the time of sale.
- The full cost to purchase a brand-new model of the same make and year.
ACV is defined as replacement cost minus depreciation (market value), whereas Replacement Cost would cover the cost of a new vehicle without deducting for age or wear. The original purchase price and deductible-based calculations are incorrect methods for determining ACV.
Q3.In North Dakota, which of the following methods is permitted for an insurance company to calculate the Actual Cash Value (ACV) of a wrecked vehicle?
- The amount owed to the lender at the time of loss.
- The average cost of two or more comparable cars available in the local area within a reasonable timeframe.Correct
- Only values provided by NADA guides.
- The current sticker price of a brand-new replacement vehicle.
North Dakota law specifically allows using the average cost of comparable local vehicles to determine ACV. The lender's balance and new car prices are not used for ACV calculations.
ND P&C Frequently Asked Questions
What does ND P&C stand for?
ND P&C stands for North Dakota Property & Casualty Insurance License Exam. It is administered by North Dakota Insurance Department.
Who administers the ND P&C?
The North Dakota Property & Casualty Insurance License Exam (ND P&C) is administered by North Dakota Insurance Department. For official information, visit the North Dakota Insurance Department website.
Does North Dakota have a combined Property & Casualty exam?
ND does not offer a combined P&C exam; Property and Casualty are separate exams (each: 110 items, 70% needed, 150-minute length, $64 fee). Check North Dakota Insurance Department for the current exam-registration process.
Does North Dakota require prelicensing education for Property & Casualty?
No. North Dakota does not require prelicensing education hours for a Property & Casualty producer license as of August 2026.
What score do I need to pass the North Dakota Property & Casualty exam?
North Dakota requires 70% on the Property & Casualty exam. Confirm the current standard with North Dakota Insurance Department, since passing standards can change.
Is the Property & Casualty exam different in North Dakota than in other states?
Partly. Core Property & Casualty concepts are broadly similar nationwide, but North Dakota tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by North Dakota Insurance Department.
C3RT is a native iOS and macOS exam preparation platform covering the North Dakota Property & Casualty Insurance License Exam (ND P&C), a Insurance Licensing certification, administered by North Dakota Insurance Department. C3RT is not affiliated with or endorsed by North Dakota Insurance Department. Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the North Dakota Insurance Department official website ↗ .