Virginia property and casualty practice exam
Free property and casualty practice for the Virginia producer exam: 367 general questions plus 19 Virginia state law questions, each with an explanation.
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Getting your Virginia property and casualty license
Virginia's property and casualty exam (11-03) has 135 scored questions in 2.5 hours and costs $35 through Prometric. The property and casualty license includes personal lines, so you do not apply for both.
- Exam provider
- Prometric
- Exam fee
- $35
- Exam length
- Property and casualty (11-03): 135 scored questions plus 10 pretest questions, in 2.5 hours
- Pre-licensing education
- Not required for property and casualty. The Bureau of Insurances resident licensing steps list the exam and fingerprinting; the only pre-licensing course it mentions is the 16-hour course for Title licenses.
- Personal lines
- Included in the property and casualty license, so do not apply for both
- Retakes
- Wait 24 hours before booking a retake. After a third failed attempt, wait 30 calendar days.
How to plan your retake
Retake rules by state - Fingerprints
- Must be no older than 90 days when used with an application
- Result valid for
- 183 calendar days for your license application
- Continuing education
- 16 hours every 2 years for property and casualty only, including 3 in ethics. Agents licensed in more than one category: 24 hours, with at least 8 in each.
Official links
- Virginia Bureau of Insurance - official state insurance department
- Prometric, Virginia Bureau of Insurance Licensing Information Bulletin (Dec 2024) - exam provider information
Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Virginia Bureau of Insurance and your exam's candidate handbook before you register.
Virginia state law questions
Every Virginia question with its answer, explanation, and the law it comes from.
Licensing and CE
3 questions
1. How many hours of insurance ethics must a Virginia property and casualty agent complete each biennium under Va. Code 38.2-1866?
- One hour
- Six hours
- Three hours
- Eight hours
Show answer
Subsection H requires three hours of insurance ethics per biennium, which may include insurance law and regulations applicable in Virginia.
2. How many hours of relevant continuing education must a Virginia property and casualty agent holding a license in only that one category complete each biennium?
- 16 hours
- 24 hours
- 12 hours
- 8 hours
Show answer
Va. Code 38.2-1866 requires 16 hours of relevant CE credits for a property and casualty agent. Agents licensed in more than one category need 24 hours with at least eight in each category.
3. Under Va. Code 38.2-1866, a Virginia agent may receive no more than what share of required CE credits from courses provided by insurance companies or agencies?
- 50 percent
- 75 percent
- 25 percent
- 100 percent
Show answer
The statute limits company- or agency-provided courses to 75 percent of the agent's required credits.
Auto Insurance
5 questions
1. For policies effective on or after January 1, 2025, what are Virginia's minimum liability limits under Va. Code 46.2-472?
- $30,000 per person, $60,000 per accident, $20,000 property damage
- $25,000 per person, $50,000 per accident, $20,000 property damage
- $100,000 per person, $300,000 per accident, $50,000 property damage
- $50,000 per person, $100,000 per accident, $25,000 property damage
Show answer
The 2025 minimums are 50/100/25. For policies effective 2022 through 2024, the minimums were 30/60/20.
2. For Virginia policies effective January 1, 2022 through December 31, 2024, the minimum property damage liability limit was:
- $20,000
- $25,000
- $10,000
- $15,000
Show answer
For policies effective on or after January 1, 2022 but before January 1, 2025, the minimum property damage limit was $20,000, rising to $25,000 in 2025.
3. Under Va. Code 46.2-707, a Virginia titled owner whose license was suspended after an uninsured-vehicle conviction must pay what noncompliance fee, and furnish future proof of financial responsibility, before reissue?
- $500
- $100
- $600
- $1,000
Show answer
The statute conditions reissue of the license, registration certificates and plates on payment of a $600 noncompliance fee plus future proof of financial responsibility.
4. Under Va. Code 38.2-2206, uninsured motorist limits on a Virginia policy generally equal:
- Double the liability limits
- The state minimum limits only
- $10,000 per person
- The liability limits of the policy, unless a named insured rejects the additional UM coverage
Show answer
The statute states UM limits shall equal but not exceed the policy's liability limits, subject to the minimums and the named insured's right to reject additional coverage.
5. A Virginia motor vehicle is 'underinsured' when:
- The at-fault driver has no insurance at all
- The coverage available to pay the injured person's damages is less than the damages sustained, up to the insured's UIM limit
- The at-fault vehicle is registered out of state
- The injured person is over 65
Show answer
Va. Code 38.2-2206(B) defines underinsured by comparing available coverage to the total damages sustained, up to the total UIM coverage.
Cancellation and Nonrenewal
7 questions
1. A Virginia cancellation or nonrenewal of a motor vehicle policy must take effect at least how many days after the notice is mailed or delivered?
- 30 days
- 60 days
- 45 days
- 10 days
Show answer
Under Va. Code 38.2-2212, cancellation or refusal to renew takes effect at least 45 days after mailing or delivery of the notice.
2. Which is a permitted ground for a Virginia insurer to cancel a motor vehicle policy under Va. Code 38.2-2212?
- Nonpayment of premium
- The insured filed a collision claim
- The insured turned 70
- The insurer's rates increased
Show answer
Permitted grounds include a suspended or revoked license, nonpayment of premium, or a move of the insured's legal residence to another state.
3. For a Virginia motor vehicle cancellation for nonpayment of premium, the effective date may be less than 45 days but at least:
- 5 days
- 15 days from mailing or delivery
- 30 days
- 10 days
Show answer
The statute allows a shorter notice for nonpayment: less than 45 days but at least 15 days from mailing or delivery.
4. How much notice must a Virginia insurer generally give before cancelling a homeowners policy under Va. Code 38.2-2114?
- At least 10 days
- At least 45 days
- At least 60 days
- At least 30 days
Show answer
The cancellation takes effect at least 30 days after mailing or delivering notice to the named insured.
5. For a Virginia homeowners cancellation for nonpayment of premium, the notice period may be less than 30 days but at least:
- 10 days
- 5 days
- 15 days
- 20 days
Show answer
Nonpayment cancellations allow a shorter notice of at least 10 days from mailing or delivery.
6. Virginia's cancellation restrictions for homeowners policies do not apply to a policy that has been in effect for less than:
- 30 days
- 60 days
- 90 days when the notice is mailed or delivered
- 180 days
Show answer
Under Va. Code 38.2-2114(E), the section does not apply to a policy in effect less than 90 days at notice, unless it is a renewal policy.
7. Which is a permitted reason for a Virginia insurer to cancel a homeowners policy?
- The insured filed a weather claim
- The home is more than 20 years old
- The insured changed jobs
- Discovery of fraud or material misrepresentation
Show answer
The statute allows cancellation for discovery of fraud or material misrepresentation, among a short list of listed reasons.
Guaranty Association
2 questions
1. What is the Virginia Property and Casualty Insurance Guaranty Association's limit for most covered claims under Va. Code 38.2-1606?
- $100,000 per claimant
- $300,000 per claimant
- $500,000 per claimant
- $1,000,000 per claimant
Show answer
The Association pays an amount not exceeding $300,000 per claimant for covered claims other than workers compensation.
2. How does the Virginia guaranty association pay covered workers compensation claims, and unearned premium refunds?
- Workers compensation capped at $300,000; unearned premium in full
- Workers compensation capped at $100,000; unearned premium over $500
- Workers compensation in full; unearned premium only the amount over $50
- Neither is covered
Show answer
Workers compensation claims are paid in full, and only the portion of each unearned premium in excess of fifty dollars is paid.
Workers Compensation
2 questions
1. Under Va. Code 65.2-805, an employer that fails to insure may be assessed a civil penalty of up to:
- $250 per day, with a $50,000 maximum
- $100 per day, with a $5,000 maximum
- $1,000 per day, with no maximum
- $500 per day, with a $10,000 maximum
Show answer
The Virginia Workers' Compensation Commission may assess the penalty in an open hearing with right of review and appeal.
2. If a Virginia employer's noncompliance with workers compensation insurance continues 15 days after certified written notice, the Commission may:
- Immediately close the employer's bank accounts
- Order the employer to cease and desist all business operations until in compliance
- Require the employer to join a self-insured group
- Refer the case to the IRS
Show answer
Va. Code 65.2-805(C) lets the Commission order the employer to stop business transactions and operations until found in compliance.
Key Virginia terms
16 plain-English cards on Virginia insurance law, from the Virginia flashcard deck.
Licensing and CE
- Virginia P&C exam
- Given by Prometric: 135 scored questions plus 10 pretest questions in 2.5 hours.
- Virginia prelicensing
- Not required for property and casualty; the steps are the exam and fingerprinting. Personal lines is included in the P&C license.
- Virginia exam result validity
- A passing result is valid for 183 calendar days for the license application.
- Virginia P&C CE requirement
- 16 hours every two years for a P&C-only agent, including 3 hours of ethics. Agents in more than one category need 24.
- Virginia company-provided CE limit
- No more than 75 percent of required CE credits may come from courses provided by an insurer or agency.
Auto Insurance
- Virginia auto liability minimums
- 50/100/25 for policies effective on or after January 1, 2025. Policies from 2022 through 2024 used 30/60/20.
- Virginia uninsured vehicle fee
- A titled owner suspended after an uninsured vehicle violation pays a $600 noncompliance fee plus future proof of insurance to get the license back.
- Virginia uninsured motorist limits
- UM limits equal the policy's liability limits unless a named insured rejects the additional UM coverage.
- Virginia underinsured vehicle
- A vehicle whose available coverage is less than the injured person's total damages, up to the total UIM coverage.
Cancellation and Nonrenewal
- Virginia auto cancellation notice
- At least 45 days after mailing or delivery; at least 15 days for nonpayment.
- Virginia auto cancellation grounds
- Listed grounds include nonpayment, a suspended or revoked license, or a move of the insured's legal residence to another state.
- Virginia homeowners cancellation notice
- At least 30 days; at least 10 days for nonpayment. Rules do not apply to a new policy in effect less than 90 days.
- Virginia homeowners cancellation reasons
- Only a short list of reasons, such as nonpayment or discovery of fraud or material misrepresentation.
Guaranty Association
- Virginia P&C guaranty limit
- Up to $300,000 per claimant for most claims. Workers comp is paid in full; unearned premium only above $50.
Workers Compensation
- Virginia uninsured employer penalty
- Civil penalty up to $250 per day, with a $50,000 maximum, assessed by the Workers' Compensation Commission.
- Virginia cease and desist order
- If noncompliance continues 15 days after notice, the Commission can order the employer to stop business operations until it complies.
Keep studying
The general topics make up most of the exam.
Virginia exam questions
How long is the Virginia property and casualty exam?
Series 11-03 has 135 scored questions plus 10 pretest questions, with a 2.5-hour time limit. It costs $35.Source: Prometric, Virginia Property and Casualty (11-03) Content Outline
Do I need a separate personal lines license in Virginia?
No. Property and casualty includes personal lines, so do not apply for both.Source: Prometric, Virginia Bureau of Insurance Licensing Information Bulletin (Dec 2024)
How much continuing education does a Virginia property and casualty agent need?
16 hours every two years, including 3 hours of ethics, if property and casualty is your only license category.Source: Code of Virginia, Section 38.2-1866
How much of the Virginia property and casualty exam is state law?
State law is usually around 20 to 30 percent of a state's producer exam. Check the Virginia candidate handbook from your testing provider for the exact content outline.
What does the Virginia 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, Guaranty Association, 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 Virginia state law questions.