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  2. North Carolina
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  4. Personal Automobile Policy

Free Personal Automobile Policy Practice Questions

North Carolina Property & Casualty exam — 26 practice questions.

Subtopics: Financial responsibility limits, Prior minimum, Tort system, Uninsured motorist, Underinsured motorist, Liability coverage, Collision, Comprehensive, Reinsurance Facility cession, Medical payments, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Collision coverage, Other than collision, Transportation expenses, Towing and labor

Read the Personal Automobile 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 increased to:

50/100/50

North Carolina raised its minimum auto liability limits from 30/60/25 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. Before the 2025 increase, North Carolina's long-standing minimum auto liability limits were commonly cited as:

30/60/25

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

3. North Carolina's auto insurance system is best described as:

A tort (at-fault) system rather than a no-fault system

North Carolina uses a traditional tort (at-fault) liability system for auto accidents; the at-fault driver is generally responsible for damages, and there is no no-fault personal injury protection mandate.

4. North Carolina auto policies are required to include:

Uninsured motorist coverage

North Carolina requires uninsured motorist (UM) coverage on auto policies, protecting insureds injured by drivers who lack liability insurance.

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Practice: Personal Automobile 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.