Maine property and casualty practice exam
Free property and casualty practice for the Maine producer exam: 367 general questions plus 15 Maine state law questions, each with an explanation.
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Getting your Maine property and casualty license
Maine's insurance exams are given by Pearson VUE at test centers; online exams ended in May 2025. Licensed producers complete 24 hours of continuing education every two years.
- Exam provider
- Pearson VUE, at a test center. Online exam registrations ended May 10, 2025.
- Passing score
- 70 on a scaled score
- Retakes
- Wait one day before scheduling a retake
How to plan your retake
Retake rules by state - Continuing education
- 24 credit hours every 2 years, including at least 3 in ethics
Official links
- Maine Bureau of Insurance - official state insurance department
- Maine Bureau of Insurance, Exam Information - exam provider information
Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Maine Bureau of Insurance and your exam's candidate handbook before you register.
Maine state law questions
Every Maine question with its answer, explanation, and the law it comes from.
Licensing and CE
2 questions
1. How many continuing education credit hours must a Maine resident producer holding a full lines license complete each biennium, and how many must be in ethics?
- 12 credit hours, with at least 2 in ethics
- 20 credit hours, with at least 4 in ethics
- 30 credit hours, with at least 5 in ethics
- 24 credit hours, with at least 3 in ethics
Show answer
The Bureau of Insurance FAQ states the requirement is 24 credit hours total, including a minimum of 3 hours in ethics. Extra credits are not carried over to the next biennium.
2. What late penalty does the Maine Bureau of Insurance FAQ describe for a producer who has CE credits outstanding after the due date?
- $25 per credit outstanding, up to a maximum of $250
- $10 per credit outstanding, up to a maximum of $100
- $50 per credit outstanding, up to a maximum of $500
- A flat $500 fee regardless of credits outstanding
Show answer
Producers have 60 days from the due date to finish outstanding credits, and the FAQ says there is no grace period. The penalty is $25 per outstanding credit with a $250 cap.
Auto Insurance
3 questions
1. Under 29-A M.R.S. 1605(1), what are Maine's minimum liability amounts for injury to one person, injury in one accident, and property damage?
- $25,000, $50,000, and $25,000
- $50,000, $100,000, and $25,000
- $30,000, $60,000, and $15,000
- $40,000, $80,000, and $20,000
Show answer
Section 1605(1)(C) sets $50,000 for injury to or death of one person, $100,000 for one accident with more than one person hurt, and $25,000 for property damage.
2. In addition to liability limits, 29-A M.R.S. 1605(1) sets what minimum amount of medical payments coverage in Maine?
- $500
- $1,000
- $5,000
- $2,000
Show answer
Section 1605(1) lists medical payments, pursuant to section 1605-A, at $2,000 among the minimum coverages.
3. Under 24-A M.R.S. 2902, a Maine private passenger auto purchaser can have uninsured vehicle coverage limits lower than the liability limits only by doing what?
- Telling the agent by phone and having the agent note the file
- Letting the policy renew twice without commenting
- Rejecting the higher limits in writing on the insurer's form, signed and dated
- Paying an additional premium for reduced limits
Show answer
Section 2902 sets uninsured coverage equal to the liability limits sold, never below the 29-A section 1605(1) minimums, unless the purchaser rejects it. The rejection must be on a form the insurer provides, signed and dated before coverage takes effect.
Cancellation and Nonrenewal
4 questions
1. Under 24-A M.R.S. 2915, how many days before the effective date must an insurer give notice of auto policy cancellation for a reason other than nonpayment?
- At least 20 days
- At least 10 days
- At least 30 days
- At least 45 days
Show answer
Section 2915 requires notice of at least 20 days before cancellation, except nonpayment of premium, which needs at least 10 days. A certificate of mailing is conclusive proof of receipt on the 5th calendar day after mailing.
2. Under 24-A M.R.S. 2917, a Maine auto insurer's notice of intent not to renew must be received by the named insured at least how many days before the policy expires?
- 10 days
- 30 days
- 20 days
- 60 days
Show answer
Section 2917 requires the nonrenewal notice to be received at least 30 days before expiration. It must also tell the insured of the right to request a hearing before the superintendent within 30 days.
3. How many days before the policy expires must a Maine homeowners insurer's nonrenewal notice be received by the named insured under 24-A M.R.S. 3051?
- At least 10 days
- At least 20 days
- At least 60 days
- At least 30 days
Show answer
Section 3051 requires nonrenewal notice received at least 30 days before expiration, with explicit reasons and a right to request a superintendent hearing within 30 days. General terms such as underwriting reasons are not acceptable alone.
4. According to the Maine Bureau of Insurance, how much notice does a homeowners cancellation for nonpayment of premium require?
- 5 days' notice before the cancellation date
- 10 days' notice before the cancellation date
- 20 days' notice before the cancellation date
- 30 days' notice before the cancellation date
Show answer
The Bureau's consumer page says nonpayment cancellations require 10 days' notice, while all other reasons require at least 20 days. A cancellation or nonrenewal can be contested through a hearing request made within 30 days of receiving the notice.
Residual Markets
1 question
1. Under 24-A M.R.S. 2325, once an automobile assigned risk plan is approved, what may an insurer not do unless it participates in the plan?
- File rates for any line of casualty insurance
- Renew policies already in force on the plan's effective date
- Issue automobile or motor vehicle policies in Maine
- Appoint producers to sell automobile coverage
Show answer
Section 2325 provides for a plan to apportion applicants fairly among insurers, and subsection 4 bars non-participants from issuing auto policies in Maine. The superintendent may disapprove a plan or order unfair practices discontinued after a hearing.
Guaranty Association
2 questions
1. Under 24-A M.R.S. 4438, what is the most the Maine guaranty association pays on a covered claim other than workers' compensation benefits or unearned premium?
- $300,000 per claim
- $100,000 per claim
- $250,000 per claim
- $500,000 per claim
Show answer
Section 4438 caps payment on all other covered claims at not exceeding $300,000 per claim. Cybersecurity policy claims from a single insured event have a separate $500,000 cap.
2. Under 24-A M.R.S. 4438, what is the cap on a covered claim for return of unearned premium on a non-workers' compensation policy?
- $5,000 per policy
- $10,000 per policy
- $25,000 per policy
- $50,000 per policy
Show answer
Section 4438 limits unearned premium claims to an amount not exceeding $25,000 per policy. Unearned premium under workers' compensation coverage is paid in full.
Workers Compensation
2 questions
1. Under 39-A M.R.S. 212(1-A), total incapacity compensation for injuries on or after January 1, 2013 equals what share of the employee's gross average weekly wage?
- One-half, subject to the maximum benefit in section 211
- Two-thirds, subject to the maximum benefit in section 211
- Three-fifths, subject to the maximum benefit in section 211
- Eighty percent, subject to the maximum benefit in section 211
Show answer
Section 212(1-A) pays 2/3 of gross average weekly wages, earnings or salary for the duration of the incapacity. Earlier injuries used 80 percent of the after-tax average weekly wage.
2. Under 39-A M.R.S. 205, the first payment of Maine workers' compensation incapacity benefits is due within how many days after the employer has notice or knowledge of the injury?
- 7 days
- 21 days
- 30 days
- 14 days
Show answer
Section 205 makes the first incapacity payment due and payable within 14 days after the employer has notice or knowledge of the injury or death. A penalty applies if weekly benefits are not paid within 30 days after they become due.
Claims Practices
1 question
1. Under 24-A M.R.S. 2164-D, an insurer fails to provide claim forms necessary to present a claim within how many calendar days of a request?
- 15 calendar days
- 5 calendar days
- 30 calendar days
- 45 calendar days
Show answer
Section 2164-D lists failing to provide claim forms, with reasonable explanations, within 15 calendar days of a request as an unfair claims practice. The rule does not apply after a catastrophe the superintendent identifies.
Key Maine terms
18 plain-English cards on Maine insurance law, from the Maine flashcard deck.
Licensing and CE
- Maine P&C CE requirement
- 24 credit hours each biennium for a full lines producer, with at least 3 in ethics.
- Maine late CE penalty
- $25 per credit outstanding after the due date, up to a maximum of $250.
- Maine exam delivery
- Pearson VUE, at a test center. Online exam registrations ended May 10, 2025.
- Maine passing score
- 70 on a scaled score.
- Maine retake wait
- Wait one day before scheduling a retake.
Auto Insurance
- Maine minimum liability limits
- 50/100/25: $50,000 per person, $100,000 per accident, $25,000 property damage (29-A M.R.S. 1605(1)).
- Maine medical payments minimum
- $2,000 in addition to liability limits.
- Maine UM limit rejection
- Lower uninsured vehicle limits require rejecting the higher limits in writing on the insurer's form, signed and dated.
Cancellation and Nonrenewal
- Maine auto cancellation notice
- At least 20 days before the effective date for a reason other than nonpayment (24-A M.R.S. 2915).
- Maine auto nonrenewal notice
- The named insured must receive notice at least 30 days before the policy expires (24-A M.R.S. 2917).
- Maine homeowners nonrenewal notice
- Received by the named insured at least 30 days before expiration (24-A M.R.S. 3051).
- Maine homeowners nonpayment cancellation
- 10 days notice before the cancellation date.
Residual Markets
- Maine assigned risk auto plan
- Once approved, an insurer may not issue auto or motor vehicle policies in Maine unless it participates (24-A M.R.S. 2325).
Guaranty Association
- Maine guaranty association limit
- Pays up to $300,000 per claim other than workers compensation or unearned premium (24-A M.R.S. 4438).
- Maine guaranty unearned premium cap
- $25,000 per policy for return of unearned premium on a non-workers compensation policy.
Workers Compensation
- Maine total incapacity benefit
- Two-thirds of gross average weekly wage for injuries on or after January 1, 2013, subject to the section 211 maximum.
- Maine first incapacity payment
- Due within 14 days after the employer has notice or knowledge of the injury (39-A M.R.S. 205).
Claims Practices
- Maine claim forms deadline
- An insurer fails to provide claim forms within 15 calendar days of a request (24-A M.R.S. 2164-D).
Keep studying
The general topics make up most of the exam.
Maine exam questions
Can I take the Maine insurance exam online?
No. Pearson VUE stopped accepting new registrations for online Maine insurance exams on May 10, 2025.Source: Maine Bureau of Insurance, Exam Information
How soon can I retake the Maine exam?
You must wait one day before scheduling a retake.Source: Pearson VUE, Maine Insurance Licensing Candidate Handbook (Mar 2026)
How much continuing education does Maine require?
24 credit hours each two-year cycle, including at least 3 in ethics. Credits are due the last day of your birth month.Source: Maine Bureau of Insurance, CE for Producers and Consultants FAQ
How much of the Maine property and casualty exam is state law?
State law is usually around 20 to 30 percent of a state's producer exam. Check the Maine candidate handbook from your testing provider for the exact content outline.
What does the Maine 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, Cancellation and Nonrenewal, Residual Markets, Guaranty Association, Workers Compensation, Claims Practices.
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 Maine state law questions.