100+ Free NY Property & Casualty Practice Questions
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Key Facts: NY Property & Casualty Exam
50%
Est. First-Time Pass Rate
NY DFS 2024
150 Q
Exam Questions
NY DFS
90 hrs
Pre-License Education
Highest nationally
25/50/10
Auto Minimums
NY Insurance Law
$1M
Security Fund Limit
Per claim
$48
Exam Fee
PSI
New York's P&C exam has an estimated 50% first-time pass rate, making it one of the more challenging state exams. New York is a no-fault auto state with Article 51 providing $50,000 in PIP benefits. The state requires 90 hours of pre-license education (the highest in the nation), 150 questions in 2 hours, and 70% to pass. NY's Property/Casualty Insurance Security Fund provides up to $1 million per claim.
About the NY Property & Casualty Exam
The New York property and casualty insurance exam covers DFS licensing requirements, New York Insurance Law, the unique NY no-fault auto system (Article 51), homeowners coverage, commercial insurance, workers compensation, and New York-specific consumer protections including the NY Property/Casualty Insurance Security Fund and Regulation 64.
Questions
150 scored questions
Time Limit
2 hours
Passing Score
70%
Exam Fee
$48 (New York Department of Financial Services (DFS) / PSI)
NY Property & Casualty Exam Content Outline
NY DFS & Licensing
DFS licensing, 90 hrs pre-license education (highest nationally), license types, appointment, CE
NY Property Insurance
Homeowners, NY FAIR Plan, commercial property, Regulation 64 claims handling
NY Casualty/Auto Insurance
NY no-fault Article 51, $50K PIP, Supplementary Uninsured Motorist, workers comp
NY Ethics & Practices
NY Insurance Law, unfair practices, Security Fund, Reg 64, producer conduct
How to Pass the NY Property & Casualty Exam
What You Need to Know
- Passing score: 70%
- Exam length: 150 questions
- Time limit: 2 hours
- Exam fee: $48
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
NY Property & Casualty Study Tips from Top Performers
Frequently Asked Questions
How hard is the New York property and casualty insurance exam?
The NY P&C exam has an estimated 50% first-time pass rate with 150 questions in just 2 hours, requiring 70% to pass. New York requires the most pre-license education in the nation at 90 hours. The no-fault auto system (Article 51) and Regulation 64 are heavily tested.
How does New York's no-fault auto insurance system work?
Under NY Article 51, all auto policies include Personal Injury Protection (PIP) covering $50,000 in medical expenses, lost wages (80% up to $2,000/month for 3 years), and other reasonable expenses regardless of fault. Minimum liability coverage is 25/50/10 plus $50K PIP.
What is New York Regulation 64?
Regulation 64 (11 NYCRR 216) establishes standards for prompt, fair, and equitable settlement of claims. It requires insurers to acknowledge claims within 15 business days, complete investigations within 30 days, and accept or deny claims within 15 business days after investigation.
What is the NY Property/Casualty Insurance Security Fund?
The NY P/C Insurance Security Fund protects policyholders when an insurer becomes insolvent. It provides up to $1 million per claim for most lines, which is significantly higher than most other states. It covers all property and casualty lines except workers compensation.