1. Exam Prep
  2. North Carolina
  3. Personal Lines
  4. Personal Auto Policy

Free Personal Auto Policy Practice Questions

North Carolina Personal Lines exam — 47 practice questions.

Subtopics: Current minimum limits, Former minimum limits, Tort system, Uninsured motorist, Underinsured motorist, Liability part, Collision, Comprehensive, Medical payments, Reinsurance Facility, Covered autos, Part A liability, Part B medical payments, Part C UM, Part D collision, Other than collision, Covered persons liability, Newly acquired auto, Temporary substitute, Supplementary payments, Liability exclusion intentional, Liability exclusion livery, Split limits, Transportation expenses, Towing and labor, Loss settlement physical damage, Duties after accident, Territory, Covered auto definition, Trailers coverage, Non-owned auto, Rented auto coverage, Glass breakage, Exclusion racing, Exclusion few wheels, Exclusion auto business, Exclusion owned property, Exclusion no reasonable belief, Out of state coverage, Other insurance non-owned, UM dispute resolution, Custom equipment limit, Appraisal physical damage, No-fault PIP, Right to recover, Collision settlement, Total loss settlement

Read the Personal Auto Policy study guide

Sample questions & answers

1. For North Carolina auto policies issued or renewed on or after July 1, 2025, the minimum liability limits are:

50/100/50

North Carolina raised its minimum auto liability limits to 50/100/50 effective July 1, 2025: $50,000 per person and $100,000 per accident for bodily injury, and $50,000 for property damage.

2. Prior to July 2025, North Carolina's minimum auto liability limits were long cited as:

30/60/25

North Carolina's minimum auto liability limits were 30/60/25 for many years before being increased to 50/100/50 for policies issued or renewed on or after July 1, 2025.

3. North Carolina handles auto accidents under:

A tort (at-fault) system

North Carolina is a tort (at-fault) state, so the at-fault driver is generally responsible for damages; there is no mandatory no-fault personal injury protection.

4. North Carolina auto policies must include:

Uninsured motorist coverage

North Carolina requires uninsured motorist coverage to protect insureds injured by drivers who carry no liability insurance.

All Personal Lines topics

Practice: Personal Auto Policy

Take a randomized, timed-style practice test. Answer choices are shuffled and your results are scored instantly with an explanation for every question.

Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.