Delaware Property & Casualty Exam Overview

Welcome to OpenExamPrep's FREE Delaware Property & Casualty Insurance exam prep guide. This comprehensive resource covers Delaware-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exams in 2026.

About the Delaware P&C Exams

The Delaware Property & Casualty insurance examinations are administered by Pearson VUE on behalf of the Delaware Department of Insurance. Unlike many states that offer a combined exam, Delaware requires TWO separate exams - one for Property and one for Casualty.

The exams test your knowledge of:

• Delaware Insurance Code (Title 18)
• Property insurance principles (homeowners, fire, commercial property)
• Casualty insurance principles (auto, liability, workers' compensation)
• Delaware's PIP/No-Fault auto insurance system
• Ethics and professional conduct
• Delaware-specific consumer protections

Exam Structure

Important: Delaware requires BOTH exams to be passed for a full P&C license. You cannot obtain a combined P&C license with just one exam.

Exam Pricing

Each exam costs $90, paid when you reserve. If you schedule both major-line exams on the same day, you pay only one $90 fee.

Pearson VUE Test Centers

No Pre-Licensing Education Required

Delaware has NO mandatory pre-licensing education for Property & Casualty insurance.

What This Means

This makes Delaware one of the most accessible states for P&C licensing. However, the scaled passing score on BOTH exams requires thorough preparation.

Why Prep Courses Are Still Recommended

While not required, exam preparation is strongly recommended because:

1. Two Exams Required: Must pass BOTH Property AND Casualty exams
2. State-Specific Content: Delaware has unique PIP/No-Fault auto insurance laws

This FREE study guide provides everything you need to prepare for the Delaware-specific content on both exams.

Delaware Is a PIP/No-Fault State

Understanding Delaware's Unique Auto Insurance System

Delaware is one of only 12 states with a Personal Injury Protection (PIP) / No-Fault auto insurance system. This is frequently tested on the exam!

How Delaware's No-Fault System Works

Delaware Auto Insurance Minimums

Memory Tip: Delaware minimums are 25/50/10 plus PIP. The property damage minimum ($10,000) is LOWER than many states because Delaware has PIP/No-Fault coverage.

Key Delaware Auto Insurance Laws

1. PIP/No-Fault System

• Your own insurance pays your medical bills first
• Regardless of who caused the accident
• Reduces lawsuits for minor injuries
• "Serious injury" threshold for tort claims

2. Mandatory UM/UIM Coverage

• Uninsured Motorist (UM) coverage required
• Underinsured Motorist (UIM) coverage required
• Must equal liability limits unless rejected in writing

3. Financial Responsibility Law

• All drivers must maintain minimum coverage
• Proof of insurance required
• SR-22 required for certain violations

Delaware Insurance Market Context

Why Delaware Is Unique

Delaware has distinctive insurance characteristics:

1. Corporate Capital of America

   • More than 60% of Fortune 500 companies are incorporated in Delaware
   • Thousands of insurance companies domiciled in Delaware
   • Business-friendly incorporation laws
   • Significant commercial insurance market

2. Coastal Exposure

   • Atlantic Ocean coastline creates hurricane and flood risks
   • Beach communities (Rehoboth, Bethany, Dewey Beach)
   • Storm surge and coastal flooding concerns
   • NFIP flood insurance critical in coastal areas

3. Regulatory Structure

   • Insurance Commissioner appointed by Governor
   • Delaware Department of Insurance regulates all insurance
   • Title 18 of Delaware Code governs insurance
   • Consumer protection focus

4. Market Dynamics

   • Small state with concentrated population
   • I-95 corridor creates significant auto exposure
   • Growing southern Delaware (Sussex County)
   • Tourism industry creates seasonal exposures

License Application Process

Step-by-Step Process

1. Study and Prepare (Recommended first)

   • Complete this FREE study guide
   • Review national P&C concepts
   • Take practice quizzes
   • Focus on Delaware's PIP/No-Fault system

2. Schedule and Pass BOTH Exams

   • Register at Pearson VUE for Delaware insurance exams
   • Pay $90 per exam (one $90 fee covers both if taken the same day)
   • Take Property exam (85 questions, 135 min)
   • Take Casualty exam (95 questions, 135 min)
   • Pass both with the scaled score listed on your score report (70 or 80)

3. Get a Certified Criminal History

   • Order a certified state and federal criminal history from the Delaware State Police
   • Cost: $85
   • Fax the report to the Department after you apply through NIPR

4. Criminal History Report

   • Required within 90 days of application
   • Obtained during fingerprinting process
   • Must be current (not older than 90 days)

5. Apply for License

   • Submit application through NIPR
   • Pay the $125 license fee
   • Provide all required documentation

6. Receive License

   • Delaware DOI reviews application
   • License issued upon approval
   • Valid for 2 years
   • Begin selling P&C insurance in Delaware

Exam Retake Policy

Total Costs Summary

License Maintenance

Continuing Education Requirements

Delaware P&C producers must complete:

• 24 total CE hours every 2-year licensing period
• 3 hours of ethics included in the 24 hours
• Must be completed BEFORE license expiration
• Courses must be from approved providers

Delaware Department of Insurance Contact

What This Guide Covers

This FREE study guide focuses on Delaware state-specific content for both exams:

Chapter 1: Delaware Insurance Regulation & Licensing

• Delaware Department of Insurance structure
• Insurance Commissioner powers (appointed position)
• Producer licensing requirements and procedures
• Continuing education (24 hours/2 years)
• Title 18 Delaware Code overview

Chapter 2: Delaware Property Insurance Laws

• Homeowners insurance requirements
• Coastal property considerations
• Hurricane and flood coverage
• NFIP requirements in flood zones
• Policy cancellation and non-renewal rules

Chapter 3: Delaware Casualty Insurance Laws

• Auto insurance minimums (25/50/10)
• PIP/No-Fault system (unique to Delaware)
• UM/UIM coverage requirements
• Workers' compensation requirements
• Commercial liability insurance

Chapter 4: Ethics & Consumer Protection

• Prohibited practices (rebating, twisting, misrepresentation)
• Claims handling requirements
• Delaware Insurance Guaranty Association
• Producer conduct standards

Note: This guide covers ONLY Delaware state law. Complete the national Property & Casualty exam prep first for foundational insurance knowledge.

Study Tips for Success

Key Numbers to Memorize

Delaware-Specific Topics to Know

1. TWO Separate Exams - Must pass Property AND Casualty
2. PIP/No-Fault State - Delaware uses no-fault auto insurance
3. 25/50/10 - Auto liability minimums (lower PD than most states)
4. 90-Day Criminal History - Report must be within 90 days
5. Insurance Commissioner - Appointed by Governor
6. Title 18 - Delaware Code governs insurance
7. Coastal Exposure - Hurricane and flood risks important

Next Steps

Ready to begin? Here's your action plan:

1. Complete this FREE study guide - Read all 4 chapters
2. Study national P&C concepts - See our Property & Casualty exam prep
3. Take chapter quizzes - Test your knowledge
4. Register with Pearson VUE - Schedule BOTH exams (same day recommended)
5. Pass both exams - At the scaled score on your score report
6. Order your criminal history - Delaware State Police ($85)
7. Apply for license - Through NIPR ($125)
8. Start your career - Sell P&C insurance in Delaware

Remember: No pre-licensing is required in Delaware, but you must pass TWO separate exams. Thorough preparation is essential for the scaled passing score on both the Property and Casualty exams!

Let's get started with Chapter 1: Delaware Insurance Regulation & Licensing!