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District of Columbia property and casualty practice exam

Free property and casualty practice for the District of Columbia producer exam: 367 general questions plus 20 District of Columbia state law questions, each with an explanation.

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Getting your District of Columbia property and casualty license

The District of Columbia's property and casualty exams are given by Pearson VUE, cost $75 each and allow 2 hours. Apply for your license within one year of passing.

Exam provider
Pearson VUE
Exam fee
$75 per exam
Exam length
Property and casualty are separate exams, 2 hours each
Passing score
70
Retakes
Wait 24 hours before booking a retake
How to plan your retake
Retake rules by state
After you pass
Apply for your license within one year
Continuing education
24 credit hours each license period, including at least 3 in ethics

Official links

Licensing facts checked on , against official sources. Fees and rules change, so confirm with the DC Department of Insurance, Securities and Banking and your exam's candidate handbook before you register.

Sources

District of Columbia state law questions

Every District of Columbia question with its answer, explanation, and the law it comes from.

State laws change. Always confirm details with the District of Columbia insurance department and your exam's content outline.

Licensing and CE

3 questions

1. How many continuing education hours must a District of Columbia resident producer licensed for property or casualty complete in each license period?

  1. 16 hours, including 2 hours of ethics
  2. 24 hours, including 3 hours of ethics
  3. 24 hours, with no ethics requirement
  4. 30 hours, including 6 hours of ethics
Show answer
B. 24 hours, including 3 hours of ethics
DISB requires 24 credit hours for the major lines, 21 general and 3 ethics.
Source: DISB, Continuing Education Information

2. During the first renewal period, a District of Columbia producer in the Property or Casualty group must also complete how many hours of flood insurance continuing education?

  1. 1 hour
  2. 6 hours
  3. 12 hours
  4. 3 hours
Show answer
D. 3 hours
DISB's CE FAQ adds a flood insurance requirement of at least 3 hours for the Property or Casualty group in the first renewal period.
Source: DISB, CE Frequently Asked Questions

3. A District of Columbia producer who wants a continuing education waiver must submit the request no later than how long before the license expires?

  1. 90 days
  2. 30 days
  3. 45 days
  4. 180 days
Show answer
A. 90 days
DISB's CE FAQ states that waiver requests are due no later than 90 days before license expiration.
Source: DISB, CE Frequently Asked Questions

Auto Insurance

4 questions

1. What are the minimum third-party liability limits for bodily injury and property damage on a motor vehicle policy in the District of Columbia?

  1. $15,000 per person, $30,000 per accident, and $5,000 property damage
  2. $20,000 per person, $40,000 per accident, and $10,000 property damage
  3. $25,000 per person, $50,000 per accident, and $10,000 property damage
  4. $25,000 per person, $50,000 per accident, and $25,000 property damage
Show answer
C. $25,000 per person, $50,000 per accident, and $10,000 property damage
D.C. Code 31-2406 sets $25,000 per person and $50,000 per accident for injury, plus $10,000 for property damage.
Source: D.C. Code 31-2406

2. District of Columbia policies must include uninsured motorist coverage for bodily injury or death at what minimum limits?

  1. $25,000 per person and $50,000 per accident
  2. $10,000 per person and $20,000 per accident
  3. $15,000 per person and $30,000 per accident
  4. $50,000 per person and $100,000 per accident
Show answer
A. $25,000 per person and $50,000 per accident
D.C. Code 31-2406(f) sets the uninsured motorist bodily injury minimum at $25,000 and $50,000, with higher limits available on request.
Source: D.C. Code 31-2406

3. District of Columbia uninsured motorist property damage coverage is $5,000 per accident, subject to what deductible?

  1. $100
  2. $200
  3. $250
  4. $500
Show answer
B. $200
D.C. Code 31-2406(f) applies a $200 deductible to the $5,000 uninsured motorist property damage coverage.
Source: D.C. Code 31-2406

4. Under the District of Columbia motor vehicle insurance statute, an insurer may not raise rates because of an accident unless the insured:

  1. was cited for any moving violation
  2. filed a claim with the insurer
  3. had a prior accident within five years
  4. was at fault in the accident
Show answer
D. was at fault in the accident
D.C. Code 31-2406(a)(5) ties accident-based rate increases to fault.
Source: D.C. Code 31-2406

No-Fault Auto

3 questions

1. The District of Columbia no-fault law requires the maximum PIP medical and rehabilitation benefit per victim to be no less than:

  1. $10,000
  2. $25,000
  3. $50,000
  4. $100,000
Show answer
C. $50,000
D.C. Code 31-2404 sets a floor of $50,000, and insurers must offer $50,000 and $100,000 options.
Source: D.C. Code 31-2404

2. Under District of Columbia PIP, the maximum work loss benefit per accident can be no less than:

  1. $12,000
  2. $5,000
  3. $8,000
  4. $20,000
Show answer
A. $12,000
D.C. Code 31-2404 sets the work loss floor at $12,000 and requires options of $12,000 and $24,000.
Source: D.C. Code 31-2404

3. District of Columbia PIP pays funeral benefits of actual costs up to what amount per victim?

  1. $1,000
  2. $2,500
  3. $10,000
  4. $4,000
Show answer
D. $4,000
D.C. Code 31-2404 pays funeral costs up to $4,000 per victim to survivors.
Source: D.C. Code 31-2404

Cancellation and Nonrenewal

4 questions

1. Which reason is a permitted ground for a District of Columbia insurer to cancel a motor vehicle policy?

  1. The insured filed a collision claim
  2. Nonpayment of premium
  3. The insured turned 70 years old
  4. The insured changed jobs
Show answer
B. Nonpayment of premium
D.C. Code 31-2409(a) limits cancellation to nonpayment, suspended or revoked vehicle registration, or suspended or revoked driver's license.
Source: D.C. Code 31-2409

2. How far in advance must a District of Columbia insurer mail or deliver written notice to cancel or not renew a motor vehicle policy for most reasons?

  1. At least 30 days
  2. At least 10 days
  3. At least 45 days
  4. At least 60 days
Show answer
A. At least 30 days
D.C. Code 31-2409(b)(1) requires at least 30 days' written notice stating the specific reasons.
Source: D.C. Code 31-2409

3. A District of Columbia motor vehicle insured disputing a cancellation or nonrenewal may send written reasons to the Commissioner within how many days of receiving the notice?

  1. 10 days
  2. 30 days
  3. 15 days
  4. 45 days
Show answer
C. 15 days
D.C. Code 31-2409 gives the insured 15 days after receipt to seek the Commissioner's review.
Source: D.C. Code 31-2409

4. If a District of Columbia insurer fails to give the required nonrenewal notice, it must cover claims arising within how many days after the insured discovers the nonrenewal?

  1. 15 days
  2. 30 days
  3. 60 days
  4. 45 days
Show answer
D. 45 days
D.C. Code 31-2409(d) requires coverage for 45 days after discovery, and renewal if the insured tenders payment within 15 days.
Source: D.C. Code 31-2409

Guaranty Association

3 questions

1. What is the maximum the District of Columbia Property and Casualty Insurance Guaranty Association pays per claimant on most covered claims?

  1. $100,000
  2. $300,000
  3. $250,000
  4. $500,000
Show answer
B. $300,000
D.C. Code 31-5505(a)(1) caps most covered claims at $300,000 per claimant, with workers' compensation paid in full.
Source: D.C. Code 31-5505

2. The District of Columbia guaranty association pays a covered claim for return of unearned premium up to what amount per policy?

  1. $2,500
  2. $5,000
  3. $10,000
  4. $25,000
Show answer
C. $10,000
D.C. Code 31-5505(a)(1)(B) limits unearned premium claims to $10,000 per policy and pays only the portion above $100.
Source: D.C. Code 31-5505

3. How does the District of Columbia guaranty association treat covered workers' compensation claims?

  1. It pays them in full
  2. It caps them at $300,000 per claimant
  3. It caps them at $100,000 per claimant
  4. It pays only the portion above $10,000
Show answer
A. It pays them in full
D.C. Code 31-5505(a)(1)(A) provides that workers' compensation benefits are paid in full.
Source: D.C. Code 31-5505

Claims Practices

1 question

1. Which act is an unfair claim settlement practice in the District of Columbia when committed often enough to indicate a general business practice?

  1. Paying a covered claim after a reasonable investigation
  2. Explaining a claim denial when the insured asks
  3. Stating the coverage under which a payment is made
  4. Refusing to pay claims without conducting a reasonable investigation
Show answer
D. Refusing to pay claims without conducting a reasonable investigation
D.C. Code 31-2231.17(b) lists refusing to pay without a reasonable investigation as an unfair practice.
Source: D.C. Code 31-2231.17

Workers Compensation

2 questions

1. How may a District of Columbia employer secure payment of workers' compensation?

  1. By posting a bond with the employer's bank only
  2. By enrolling employees in a state-run fund only
  3. By insuring with an authorized insurer or by receiving the Mayor's authorization to self-insure
  4. By relying on the employee's health insurance
Show answer
C. By insuring with an authorized insurer or by receiving the Mayor's authorization to self-insure
D.C. Code 32-1534 allows insurance with an authorized insurer or self-insurance authorized by the Mayor.
Source: D.C. Code 32-1534

2. A District of Columbia employer that has secured workers' compensation must post a notice that gives the carrier's name and address and which other detail?

  1. The employer's federal tax number
  2. The date the policy expires
  3. The premium amount paid
  4. The date the employer was incorporated
Show answer
B. The date the policy expires
D.C. Code 32-1536 requires the notice to state the policy's expiration date along with the carrier's name and address.
Source: D.C. Code 32-1536

Key District of Columbia terms

21 plain-English cards on District of Columbia insurance law, from the District of Columbia flashcard deck.

Licensing and CE

DC P&C CE requirement
24 hours each license period, including 3 hours of ethics.
DC flood insurance CE
A producer in the property or casualty group completes 3 hours of flood insurance CE during the first renewal period.
DC CE waiver request
A CE waiver request must be submitted no later than 90 days before the license expires.
DC P&C exams
Property and casualty are separate exams of 2 hours each, given by Pearson VUE. Passing is 70.

Auto Insurance

DC minimum liability limits
25/50/10: $25,000 per person, $50,000 per accident, $10,000 property damage.
DC uninsured motorist bodily injury minimum
$25,000 per person and $50,000 per accident.
DC uninsured motorist property damage
$5,000 per accident, subject to a $200 deductible.
DC accident rate increase rule
An insurer may not raise rates because of an accident unless the insured was at fault.

No-Fault Auto

DC PIP medical benefit
The maximum PIP medical and rehabilitation benefit per victim must be no less than $50,000.
DC PIP work loss benefit
The maximum work loss benefit per accident can be no less than $12,000.
DC PIP funeral benefit
Actual costs up to $4,000 per victim.

Cancellation and Nonrenewal

DC auto cancellation ground
Nonpayment of premium is a permitted ground to cancel a motor vehicle policy.
DC auto cancellation or nonrenewal notice
At least 30 days written notice for most reasons.
DC cancellation dispute
An insured disputing a cancellation or nonrenewal may send written reasons to the Commissioner within 15 days of receiving the notice.
DC late nonrenewal notice
The insurer must cover claims arising within 45 days after the insured discovers the nonrenewal.

Guaranty Association

DC guaranty association limit
Pays up to $300,000 per claimant on most covered claims.
DC guaranty unearned premium
Up to $10,000 per policy for return of unearned premium.
DC guaranty workers comp claims
Covered workers compensation claims are paid in full.

Claims Practices

DC unfair claim practice
Refusing to pay claims without a reasonable investigation, often enough to indicate a general business practice.

Workers Compensation

DC workers comp security
An employer insures with an authorized insurer or gets the Mayor's authorization to self-insure.
DC workers comp notice posting
The posted notice gives the carrier's name and address and the date the policy expires.

Study the District of Columbia deck

Keep studying

The general topics make up most of the exam.

Insurance BasicsPropertyContract LawPropertyProperty Policy StructurePropertyDwelling PoliciesPropertyHomeowners PoliciesPropertyHomeowners EndorsementsPropertyFlood InsurancePropertyEarthquake InsurancePropertyCommercial PropertyPropertyCauses of LossPropertyBusiness IncomePropertyInland MarinePropertyOcean MarinePropertyFarm CoveragePropertyEquipment BreakdownPropertyLiability BasicsCasualtyPersonal Auto PolicyCasualtyAuto Physical DamageCasualtyUninsured MotoristsCasualtyCommercial General LiabilityCasualtyCGL ExclusionsCasualtyClaims-Made CoverageCasualtyCommercial AutoCasualtyUmbrella and ExcessCasualtyWorkers CompensationCasualtyCommercial CrimeCasualtySurety and Fidelity BondsCasualtyProfessional LiabilityCasualtyBusinessowners PolicyCasualty

District of Columbia exam questions

How much does the DC property and casualty exam cost?

$75 per exam. Each exam allows 2 hours.Source: Pearson VUE, District of Columbia Insurance Licensing Candidate Handbook (Sep 2022, rev Dec 2024)

How long do I have to apply after passing in DC?

One year from passing the exam.Source: Pearson VUE, District of Columbia Insurance Licensing Candidate Handbook (Sep 2022, rev Dec 2024)

How much continuing education does DC require?

24 credit hours each license period, including at least 3 in ethics, before the license expires.Source: DC Department of Insurance, Securities and Banking, Continuing Education FAQ

How much of the District of Columbia property and casualty exam is state law?

State law is usually around 20 to 30 percent of a state's producer exam. Check the District of Columbia candidate handbook from your testing provider for the exact content outline.

What does the District of Columbia state law section cover?

Common areas include licensing and continuing education, auto liability minimums, cancellation and nonrenewal notice rules, and the guaranty fund. This page covers: Licensing and CE, Auto Insurance, No-Fault Auto, Cancellation and Nonrenewal, Guaranty Association, Claims Practices, Workers Compensation.

Where do these state questions come from?

Each state question is written from the state's statutes, regulations, or insurance department guidance, and the source is linked under the answer so you can read it yourself.

Do I still need the general questions?

Yes. Most of the exam is general property and casualty knowledge. The full exam option here mixes 367 general questions with the District of Columbia state law questions.