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Key Facts: OR Property & Casualty Exam
150 Q
Exam Length
Prometric OR candidate bulletin
70%
Passing Score
DCBS licensing requirements
25/50/20
Auto Minimums
Oregon auto insurance law
$90
Exam Fee
Prometric
PIP Required
No-Fault Coverage
ORS 742 PIP provisions
24 hrs CE
Biennial Requirement
ORS 744 CE requirements
Oregon requires passing the Prometric exam (150 questions, 70% to pass) with a $90 fee. Key topics: 25/50/20 auto liability minimums, mandatory PIP coverage (no-fault for medical expenses), DCBS regulation under ORS 731-750, ORS 742 policy provisions, workers compensation requirements, and producer licensing. CE requirement is 24 hours biennially with 3 hours of ethics.
About the OR Property & Casualty Exam
The Oregon Property & Casualty insurance exam covers general insurance principles plus Oregon-specific regulations including ORS 731-750 insurance statutes, ORS 742 policy provisions, 25/50/20 auto liability minimums, mandatory PIP (Personal Injury Protection) coverage, workers compensation, and producer compliance duties under DCBS Division of Financial Regulation oversight.
Questions
150 scored questions
Time Limit
2 hours 30 minutes
Passing Score
70%
Exam Fee
$90 (Oregon DCBS Division of Financial Regulation / Prometric)
OR Property & Casualty Exam Content Outline
OR Regulation & Licensing
DCBS Division of Financial Regulation structure, Insurance Commissioner role, ORS 731-750 regulatory framework, Prometric testing, producer authority, 24-hour CE biennially (3 hours ethics), unfair trade practices, rebating prohibition
OR Property Insurance
HO-3 policies, earthquake coverage (Cascadia Subduction Zone risk), flood/NFIP, dwelling fire forms, commercial property, wildfire risk in eastern Oregon, FAIR Plan access
OR Casualty Insurance
25/50/20 auto liability minimums, mandatory PIP coverage (no-fault medical expenses), UM/UIM coverage, workers compensation, ORS 742 policy provisions, CGL, surplus lines
OR Ethics & Guaranty
Oregon Insurance Guaranty Association, unfair claims practices, producer conduct standards, consumer protection, ORS compliance
How to Pass the OR Property & Casualty Exam
What You Need to Know
- Passing score: 70%
- Exam length: 150 questions
- Time limit: 2 hours 30 minutes
- Exam fee: $90
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
OR Property & Casualty Study Tips from Top Performers
Frequently Asked Questions
How many questions are on the Oregon P&C insurance exam?
The OR P&C exam has 150 scored questions. Prometric administers the exam with 2 hours 30 minutes total. You need 70% to pass (105 correct answers). The exam fee is $90.
What are Oregon's auto insurance minimum requirements?
Oregon requires minimum liability coverage of $25,000 bodily injury per person, $50,000 bodily injury per accident, and $20,000 property damage (25/50/20). Oregon also requires mandatory PIP (Personal Injury Protection) coverage, which provides no-fault medical expense benefits regardless of who caused the accident.
What is Oregon's PIP requirement?
Oregon requires Personal Injury Protection (PIP) on all auto policies. PIP is a no-fault coverage that pays medical expenses, lost wages, and essential services for the insured and passengers regardless of fault. PIP minimum coverage is $15,000 per person. This is a heavily tested topic on the OR P&C exam.
What Oregon insurance statutes are tested on the exam?
The primary statutes are ORS 731 through 750, which cover all aspects of insurance regulation in Oregon. ORS 742 specifically covers insurance policy provisions and is frequently tested. Understanding the DCBS Division of Financial Regulation framework and producer licensing under these statutes is essential.
What are the continuing education requirements for OR P&C producers?
Oregon requires 24 hours of continuing education every two years (biennially) for licensed property and casualty insurance producers, including 3 hours of ethics. CE courses must be approved by the DCBS Division of Financial Regulation.