100+ Free MI Property & Casualty Practice Questions
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Key Facts: MI Property & Casualty Exam
52%
Est. First-Time Pass Rate
MI DIFS 2024
150 Q
Exam Questions
MI DIFS
40 hrs
Pre-License Education
Required
5 tiers
PIP Coverage Options
2020 Reform
50/100/10
BI/PD Minimums
MI Code
$55
Exam Fee
Prometric
Michigan's P&C exam is challenging with an estimated 52% first-time pass rate. Michigan is unique for its reformed No-Fault auto insurance system (2020 reform), which allows drivers to choose PIP coverage levels. The state requires 40 hours of pre-license education, 150 questions in 2.5 hours, and 70% to pass. Michigan's Property & Casualty Guaranty Association provides $300,000 per claim coverage.
About the MI Property & Casualty Exam
The Michigan property and casualty insurance exam covers DIFS licensing requirements, Michigan Insurance Code, the unique Michigan No-Fault auto insurance system (reformed 2020), homeowners coverage, commercial insurance, workers compensation, and Michigan-specific consumer protections including the MI Property & Casualty Guaranty Association.
Questions
150 scored questions
Time Limit
2 hours 30 minutes
Passing Score
70%
Exam Fee
$55 (Michigan Department of Insurance and Financial Services (DIFS) / Prometric)
MI Property & Casualty Exam Content Outline
MI DIFS & Licensing
DIFS licensing, 40 hrs pre-license education, license types, appointment, CE (24 hrs/2 yrs)
MI Property Insurance
Homeowners, dwelling fire, Michigan Essential Insurance Act, FAIR plan, catastrophic claims
MI Casualty/Auto Insurance
MI No-Fault reform (2020), PIP coverage tiers, mini-tort, workers compensation, general liability
MI Ethics & Practices
MI Insurance Code, unfair practices, Guaranty Association, producer conduct, penalties
How to Pass the MI Property & Casualty Exam
What You Need to Know
- Passing score: 70%
- Exam length: 150 questions
- Time limit: 2 hours 30 minutes
- Exam fee: $55
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
MI Property & Casualty Study Tips from Top Performers
Frequently Asked Questions
How hard is the Michigan property and casualty insurance exam?
The MI P&C exam has an estimated 52% first-time pass rate with 150 questions in 2.5 hours, requiring 70% to pass. Michigan's unique No-Fault auto insurance system (especially the 2020 reform) is heavily tested and makes this one of the more challenging state P&C exams.
How does Michigan's No-Fault auto insurance reform work?
Michigan's 2020 No-Fault reform allows drivers to choose Personal Injury Protection (PIP) coverage levels: unlimited, $500K, $250K, $50K (for Medicare-eligible), or opt-out (for Medicaid-eligible). Previously, Michigan required unlimited PIP. The reform reduced premiums while maintaining the no-fault system.
What PIP coverage options are available in Michigan?
Michigan offers five PIP tiers: Unlimited lifetime PIP, $500,000 PIP, $250,000 PIP, $50,000 PIP (Medicare-eligible only), and opt-out PIP (Medicaid-eligible only). All drivers must carry residual bodily injury liability of 50/100/10.
What is the Michigan Property & Casualty Guaranty Association?
The MI Property & Casualty Guaranty Association protects policyholders when an insurer becomes insolvent. Coverage is limited to $300,000 per claim for most lines. Workers compensation claims are handled separately under the Michigan Workers' Compensation Agency.