Nevada property and casualty practice exam
Free property and casualty practice for the Nevada producer exam: 367 general questions plus 19 Nevada state law questions, each with an explanation.
Licensing facts checked on
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Getting your Nevada property and casualty license
Nevada's combined property and casualty exam allows 3 hours 35 minutes and costs $47 through Pearson VUE. After you pass, apply for your license within one year.
- Exam provider
- Pearson VUE, at a test center or online (OnVUE, 2 attempts per exam)
- Exam fee
- Single line: $37. Combined property and casualty: $47.
- Exam format
- General sections of 50 scored + 5 pretest questions per line, plus a Nevada section of 41 scored + 5 pretest questions. Combined exam: 3 hours 35 minutes.
- Passing score
- 70 on a scaled score
- Retakes
- Wait 24 hours before booking a retake at a test center
How to plan your retake
Retake rules by state - Fingerprints
- Submit fingerprints within 90 days of applying
- After you pass
- Apply for your license online within one year
Official links
- Nevada Division of Insurance - official state insurance department
- Pearson VUE, Nevada Insurance Licensing Candidate Handbook (Oct 2024) - exam provider information
Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Nevada Division of Insurance and your exam's candidate handbook before you register.
Nevada state law questions
Every Nevada question with its answer, explanation, and the law it comes from.
Licensing and CE
3 questions
1. How many hours of continuing education must a Nevada producer certify at each license renewal, and over what period?
- 24 hours within the 2-year period before renewal
- 30 hours within the 3-year period before renewal
- 20 hours within the 1-year period before renewal
- 36 hours within the 3-year period before renewal
Show answer
NAC 683A.330(1) requires 30 approved hours in the 3 years before renewal, and 3 of those hours must cover ethics.
2. Which Nevada licensee is exempt from the continuing education requirement under NAC 683A.330(2)?
- A licensee who maintains the CPCU designation
- A licensee who holds only a casualty line of authority
- A licensee in the first renewal after the initial license
- A licensee with 5 years of continuous insurance experience
Show answer
The exemption covers holders of the CPCU, CLU, CIC, CFP, or ChFC designation who maintain it, and licensees with 20 years of continuous experience who earn their primary income in insurance.
3. How long must a Nevada licensee keep the certificates of completion for continuing education courses?
- 2 years
- 1 year
- 4 years
- 10 years
Show answer
NAC 683A.360(2) requires the licensee to keep each certificate for 4 years, and failing to verify completion on request is evidence of noncompliance.
Auto Insurance
4 questions
1. Under NRS 485.185, what are the minimum motor vehicle liability limits a Nevada vehicle owner must carry?
- $25,000 per person, $50,000 per accident, $25,000 property damage
- $25,000 per person, $50,000 per accident, $20,000 property damage
- $15,000 per person, $30,000 per accident, $10,000 property damage
- $30,000 per person, $60,000 per accident, $15,000 property damage
Show answer
NRS 485.185 sets 25/50/20 for the owner of a vehicle registered or required to be registered in Nevada, and the owner must provide the coverage continuously.
2. Which vehicle is exempt from the compulsory liability insurance requirement in NRS 485.185?
- A moped
- A vehicle used only on weekends
- A vehicle registered to a business
- A motorcycle
Show answer
NRS 485.185(2) exempts mopeds. Motorcycles and other registered vehicles must carry the required coverage.
3. What is the fine range for each violation of NRS 485.187 for operating a registered Nevada vehicle without the required insurance?
- Not less than $250 nor more than $500
- Not less than $1,500 nor more than $2,500
- Not less than $100 nor more than $250
- Not less than $600 nor more than $1,000
Show answer
NRS 485.187(3) makes the violation a misdemeanor with a fine of $600 to $1,000, reduced to $100 for a first violation if the person obtains a policy by sentencing.
4. An insurer that certified a motor vehicle liability policy to the Nevada DMV must notify the DMV how far ahead of the policy's cancellation or termination?
- At least 10 days before
- At least 30 days before
- At least 5 days before
- At least 60 days before
Show answer
NRS 485.308(3) requires the insurer to notify the Department at least 10 days before the cancellation or termination of a certified policy.
Coverage Mandates
2 questions
1. Under NRS 687B.145, how must a Nevada insurer offer uninsured and underinsured motorist coverage?
- Only when the applicant asks for it in writing before issuance
- On a form the insurer designs itself, at a flat $25,000 limit
- On an approved form, at limits equal to the insured's bodily injury limits
- As part of every policy with no option to decline, at 15/30/10 limits
Show answer
NRS 687B.145(2) requires the offer on an approved form at limits equal to the insured's bodily injury limits, and each renewal must include a copy of the offer form.
2. Under NRS 687B.145(3), a Nevada motor vehicle insurer must offer medical expense coverage of at least what amount?
- $10,000
- $500
- $2,500
- $1,000
Show answer
The insurer must offer the option of at least $1,000 for reasonable and necessary medical expenses resulting from a crash.
Cancellation and Nonrenewal
4 questions
1. How far before expiration must a Nevada insurer mail or deliver notice of nonrenewal of a commercial or business policy under NRS 687B.340?
- At least 30 days
- At least 10 days
- At least 90 days
- At least 60 days
Show answer
NRS 687B.340 requires 60 days for commercial or business policies and 30 days for all other policies.
2. If a Nevada insurer fails to give timely notice of nonrenewal, what must it do under NRS 687B.340?
- Extend the policy for exactly 30 days past its expiration date
- Renew the policy at a lower premium than the expiring policy
- Provide a policy on identical terms as the expiring one
- Refund the unearned premium and end coverage at expiration
Show answer
Late notice means the policyholder is entitled to a renewal policy on terms identical to the expiring policy.
3. Under NRS 687B.320, how much advance notice must a Nevada insurer give to cancel a policy for nonpayment of premium, and for other permitted grounds?
- 30 days for nonpayment and 10 days for other grounds
- 10 days for every ground
- 20 days for nonpayment and 60 days for other grounds
- 10 days for nonpayment and 30 days for other grounds
Show answer
NRS 687B.320 requires at least 10 days after notice for nonpayment and at least 30 days for the other listed grounds.
4. If a Nevada cancellation or nonrenewal notice does not state the facts behind the decision with reasonable precision, within how many days must the insurer supply them after a written request?
- 15 days
- 6 days
- 2 days
- 30 days
Show answer
NRS 687B.360 requires the facts within 6 days after receipt of a written request, and the notice must explain the right to make that request.
Guaranty Association
3 questions
1. What is the most the Nevada Insurance Guaranty Association pays on a covered claim for most lines, under NRS 687A.060?
- The policy limit or $100,000, whichever is less
- The policy limit or $300,000, whichever is less
- The policy limit, with no dollar cap
- The policy limit or $500,000, whichever is less
Show answer
NRS 687A.060(1)(a)(3) pays the lesser of the policy limit or $300,000 for each occurrence.
2. How does the Nevada Insurance Guaranty Association treat a covered workers compensation claim?
- It pays the entire amount of the claim
- It does not cover workers compensation claims
- It caps payment at $300,000
- It caps payment at $10,000
Show answer
NRS 687A.060(1)(a)(1) pays the full amount of a covered workers compensation claim.
3. What is the most the Nevada Insurance Guaranty Association pays for a refund of unearned premium on one policy?
- $10,000
- $1,000
- $25,000
- $100,000
Show answer
NRS 687A.060(1)(a)(2) limits unearned premium refunds to not more than $10,000 for each policy.
Claims Practices
1 question
1. Which act is listed as an unfair practice in settling claims under NRS 686A.310?
- Paying a claim promptly once liability is reasonably clear
- Acknowledging a claim communication on the same day it arrives
- Advising an insured or claimant not to seek legal counsel
- Explaining the policy basis for a denial in writing to the insured
Show answer
NRS 686A.310(1)(o) lists advising an insured or claimant not to seek legal counsel, and subsection 2 makes the insurer liable to its insured for damages caused by listed practices.
Workers Compensation
2 questions
1. Within how many working days of receiving the medical provider's Form C-4 must a Nevada employer complete Form C-3 and file it with the insurer?
- 24 hours
- 6 working days
- 15 working days
- 30 calendar days
Show answer
The Nevada Division of Industrial Relations employer brochure gives 6 working days after the employer receives Form C-4.
2. What is the maximum administrative fine the Nevada Division of Industrial Relations brochure lists for an employer that fails to carry required workers compensation insurance?
- $5,000
- $50,000
- $15,000
- $1,500
Show answer
The brochure also lists premium penalties, a possible order to close until coverage is obtained, and possible criminal penalties if a claim results in substantial bodily harm or death.
Key Nevada terms
15 plain-English cards on Nevada insurance law, from the Nevada flashcard deck.
Licensing and CE
- Nevada resident producer CE requirement
- Nonexempt licensees complete 30 approved hours within three years before renewal, including three ethics hours.
- Nevada excess CE carryover
- Hours above the renewal requirement cannot carry forward to the next renewal period.
- Nevada CE certificate retention
- Licensees must keep each course completion certificate for four years after completing the course.
Auto Insurance
- Nevada minimum auto liability limits
- Registered-vehicle owners generally must maintain 25/50/20 liability coverage continuously while the vehicle is present or registered.
- Nevada moped liability exception
- The insurance requirements of NRS 485.185 do not apply to a moped.
Coverage Mandates
- Nevada UM and UIM offer requirement
- For passenger cars and motorcycles, insurers generally must offer limits equal to bodily injury limits on an approved form.
- Nevada medical payments offer
- Insurers must offer passenger-car and motorcycle insureds the option to buy at least $1,000 of crash medical expense coverage.
Cancellation and Nonrenewal
- Nevada applicable nonrenewal notice periods
- Under NRS 687B.340, commercial or business policies require 60 days' notice; other applicable policies require 30 days.
- Nevada late nonrenewal notice consequence
- Failure to give timely notice requires a policy on terms identical to those expiring.
- Nevada protected-policy midterm cancellation notice
- Under NRS 687B.320, nonpayment requires at least 10 days' notice; other listed grounds require at least 30 days.
- Nevada requested termination facts deadline
- If notice lacks precise facts, the insurer must supply them within six days after the policyholder's written request.
Guaranty Association
- Nevada ordinary guaranty occurrence limit
- For covered claims outside special categories, payment is the lesser of the policy limit or $300,000 per occurrence.
- Nevada guaranty workers compensation claims
- The association pays the entire covered workers compensation claim under the specified Nevada workers compensation chapters.
- Nevada guaranty unearned premium limit
- Covered return-premium claims are limited to $10,000 per policy.
Claims Practices
- Nevada interference with legal counsel
- Advising an insured or claimant not to seek legal counsel is a listed unfair claims practice.
Keep studying
The general topics make up most of the exam.
Nevada exam questions
How long is the Nevada property and casualty exam?
The combined exam allows 3 hours 35 minutes. Property alone is 2 hours and casualty alone is 2 hours 15 minutes.Source: Pearson VUE, Nevada Insurance Licensing Candidate Handbook (Oct 2024)
How much does the Nevada property and casualty exam cost?
$47 for the combined exam, or $37 for a single line.Source: Pearson VUE, Nevada Insurance Licensing Candidate Handbook (Oct 2024)
What score do I need to pass in Nevada?
70 on a scaled score, set by Nevada Administrative Code 683A.270.Source: Pearson VUE, Nevada Insurance Licensing Candidate Handbook (Oct 2024)
How much of the Nevada property and casualty exam is state law?
State law is usually around 20 to 30 percent of a state's producer exam. Check the Nevada candidate handbook from your testing provider for the exact content outline.
What does the Nevada 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, Coverage Mandates, 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 Nevada state law questions.