Last reviewed: July 20, 2026

Georgia Property & Casualty Insurance Practice Exam Free - 2026

Use this free Georgia property and casualty insurance practice exam page to review licensing concepts before exam day. The page includes crawlable Georgia regulator and exam-source context, while the interactive practice test loads on the same URL.

Georgia property and casualty exam quick facts

State: Georgia
License category: Property & Casualty Insurance
Regulator: Georgia Office of Commissioner of Insurance and Safety Fire
Exam vendor/source note: Georgia OCI lists Pearson VUE as a primary licensing-related contact, and Georgia OCI states that Property and Casualty applicants must complete the required course and pass the Property and Casualty examination.
Core practice topics: property insurance, casualty insurance, liability, auto, homeowners, commercial coverage, claims basics, ethics, and state-specific insurance rules.
Practice resource type: Independent free study aid with instant practice questions and explanations.

Georgia P&C exam facts (verified July 2026)

Exam structure	Combined 'P&C Agent COMBO' exam, with separate Property and Casualty agent exam options
Exam vendor	Pearson VUE (for Georgia Office of Commissioner of Insurance and Safety Fire)
Number of questions	135 questions on the COMBO exam (125 scored + 10 pretest); single-line exams: 90 each (80 scored + 10 pretest)
Time limit	150 minutes for the COMBO exam (120 minutes for a single-line exam)
Passing score	70% correct (set by the Georgia Insurance Department)
Exam fee	$67 per examination
Prelicensing education	16 hours for combined P&C (8-hour Property + 8-hour Casualty, within 12 months before application); waivers for CPCU, CIC, CISR, CRM and insurance degrees

Source: Georgia Insurance Licensing Candidate Handbook (Pearson VUE). Verified 2026-07-20. Exam details change - always confirm against the current official candidate handbook before scheduling.

Official Georgia sources to verify

Use these official or exam-vendor resources to confirm the current candidate handbook, scheduling process, fees, identification rules, retake rules, prelicensing rules, fingerprint/background rules where applicable, and license-specific requirements.

State-specific preparation notes

Georgia does not license just Property or just Casualty for this path; verify the combined P&C selection before applying.
Study Georgia-specific licensing requirements along with national property, casualty, liability, auto, homeowners, and commercial concepts.
Use the current Pearson VUE/Georgia candidate resources to verify scheduling, fees, and content outlines.

Suggested study flow

Open the official candidate handbook or content outline for Georgia.
Take a practice set on this page without looking up answers.
Review every missed explanation and group weak areas by topic.
Return to the official outline and study state-specific sections separately from national insurance concepts.
Before exam day, verify scheduling, identification, testing environment, and retake rules through official sources.

Independent study disclaimer

Insurance Exam Practice is an independent educational resource. It is not affiliated with Georgia Office of Commissioner of Insurance and Safety Fire, Pearson VUE, NIPR, NAIC, or any other exam administrator unless specifically stated. Practice questions are for study support only and do not guarantee exam results, licensing eligibility, or licensing approval.

Free Georgia Property & Casualty practice questions with answers

These free Georgia property and casualty exam questions come with complete answers and explanations - the same material the interactive mock exam draws from.

Question 1: In personal auto insurance, bodily injury liability coverage is primarily designed to pay for what?

A. Injuries to others for which the insured is legally liable
B. Damage to the insured's own vehicle from collision
C. Routine maintenance on the insured auto
D. Depreciation after a vehicle is sold

Correct answer: A. Injuries to others for which the insured is legally liable

Explanation: Bodily injury liability coverage can pay for covered injuries to others when the insured is legally responsible, subject to the policy limit and conditions.

Question 2: Property damage liability in an auto policy most directly applies to which situation?

A. The insured's car is stolen
B. The insured damages another person's vehicle in a covered accident
C. The insured needs roadside assistance
D. The insured wants a lower deductible

Correct answer: B. The insured damages another person's vehicle in a covered accident

Explanation: Property damage liability may pay for covered damage the insured legally causes to another person's property, such as another vehicle, fence, or building.

Question 3: Collision coverage in a personal auto policy generally covers which type of loss?

A. Damage to the covered auto from impact with another vehicle or object
B. Medical bills for pedestrians only
C. Theft of household property from a home
D. Legal liability from professional advice

Correct answer: A. Damage to the covered auto from impact with another vehicle or object

Explanation: Collision coverage generally applies to physical damage to a covered auto caused by collision or overturn, subject to policy terms and deductible.

Question 4: Comprehensive coverage in a personal auto policy is commonly associated with which type of loss?

A. Wear and tear to tires
B. Damage from theft, fire, vandalism, or falling objects
C. A business liability lawsuit
D. A workers compensation claim

Correct answer: B. Damage from theft, fire, vandalism, or falling objects

Explanation: Comprehensive, often called other-than-collision coverage, commonly applies to covered losses such as theft, fire, vandalism, falling objects, and certain weather events.

Question 5: Uninsured motorist coverage is generally intended to protect the insured when what happens?

A. The insured drives without a license
B. An at-fault driver has no applicable liability insurance
C. The insured wants to insure a boat trailer
D. The insured misses a premium payment

Correct answer: B. An at-fault driver has no applicable liability insurance

Explanation: Uninsured motorist coverage may protect insureds when they are injured by a driver who does not have applicable liability insurance, subject to policy and state requirements.

Question 6: Underinsured motorist coverage is generally triggered when what is true?

A. The at-fault driver has some liability insurance, but not enough to cover the insured's damages
B. The insured has no auto insurance at all
C. The insured wants to insure commercial cargo
D. The vehicle is damaged by hail only

Correct answer: A. The at-fault driver has some liability insurance, but not enough to cover the insured's damages

Explanation: Underinsured motorist coverage is designed for situations where the responsible driver has liability insurance but the limits are insufficient for the covered loss.

Question 7: Medical payments coverage in an auto policy usually pays for what?

A. Covered medical expenses for insured persons after an auto accident, regardless of fault
B. Damage to the other driver's car only
C. The insured's legal defense costs only
D. Lost business income after a fire

Correct answer: A. Covered medical expenses for insured persons after an auto accident, regardless of fault

Explanation: Medical payments coverage generally pays covered medical expenses for insured persons after an auto accident, regardless of fault, subject to limits and policy terms.

Question 8: A split liability limit of 100/300/50 commonly means what?

A. $100 deductible, $300 premium, $50 fee
B. $100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage
C. 100 days of coverage, 300 miles, 50 claims
D. $100,000 property damage, $300,000 collision, $50,000 comprehensive

Correct answer: B. $100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage

Explanation: A split limit usually lists bodily injury per person, bodily injury per accident, and property damage per accident in that order.

Question 9: Which personal auto coverage is most likely to have a deductible?

A. Bodily injury liability
B. Property damage liability
C. Collision coverage
D. Uninsured motorist bodily injury

Correct answer: C. Collision coverage

Explanation: Physical damage coverages such as collision and comprehensive often use deductibles. Liability coverages generally do not use deductibles in standard personal auto policies.

Question 10: A named non-owner auto policy is most likely used for a person who does what?

A. Owns a fleet of commercial trucks
B. Does not own a car but needs personal auto liability coverage when driving non-owned autos
C. Wants to insure a houseboat
D. Needs workers compensation coverage

Correct answer: B. Does not own a car but needs personal auto liability coverage when driving non-owned autos

Explanation: A named non-owner policy may provide personal auto liability coverage for a person who does not own a vehicle but regularly drives borrowed or rented vehicles.

Question 11: Liability insurance primarily protects against which type of exposure?

A. The insured's own property wearing out
B. Legal responsibility for covered injury or damage to others
C. Investment market losses
D. Premium billing errors only

Correct answer: B. Legal responsibility for covered injury or damage to others

Explanation: Liability insurance is designed to respond when the insured is legally responsible for covered bodily injury, property damage, or certain other covered claims.

Question 12: The duty to defend in a liability policy generally means the insurer may do what?

A. Defend the insured against covered or potentially covered claims
B. Guarantee the insured will win the lawsuit
C. Pay every claim without investigation
D. Cancel the policy after every lawsuit

Correct answer: A. Defend the insured against covered or potentially covered claims

Explanation: The duty to defend generally requires the insurer to provide a legal defense for claims covered or potentially covered by the policy, subject to policy language.

Want more than 12 questions? The interactive test on this page draws from the full 270-question Property & Casualty bank, and you can download the free Property & Casualty questions and answers PDF to study offline.

Georgia property and casualty practice exam FAQ

Is this Georgia property and casualty practice exam official?

No. This page is an independent study resource and is not an official exam from Georgia Office of Commissioner of Insurance and Safety Fire, Pearson VUE, Pearson VUE, PSI, Prometric, NIPR, NAIC, or any other regulator or exam administrator.

What should I study for the Georgia P&C insurance exam?

Start with the current candidate handbook or content outline, then review property insurance, casualty insurance, liability, auto, homeowners, commercial coverage, claims basics, ethics, and state-specific insurance rules.

Can this practice test guarantee that I will pass in Georgia?

No. Practice questions can help you find weak areas, but they do not guarantee passing, licensing eligibility, or application approval.

Where should I verify Georgia P&C exam rules?

Verify scheduling, fees, identification, prelicensing, retake, fingerprinting, and application rules through Georgia Office of Commissioner of Insurance and Safety Fire and the current exam-vendor resources.

How should I use this page before exam day?

Take a practice set, review missed explanations, compare weak topics against the official Georgia outline, and re-test only after reviewing the relevant coverage concepts and state rules.

Also preparing for another license in Georgia?

Property & Casualty practice exams in nearby states:

Browse all states on the Property & Casualty Insurance practice test hub, or Property & Casualty Exam Questions and Answers PDF (Free Download).