California Insurance Law — Property & Casualty Practice Test 2026
California state-law practice for the Property & Casualty insurance producer license — the California Insurance Code rules (concurrent causation, Residential Property Insurance Disclosure, FAIR Plan, valued policies, Standard Fire Policy, replacement cost, state-of-emergency provisions) that compose with the national core to mirror California's real exam. Spanish included; California administers the real exam in English, Spanish, Chinese, Vietnamese, Korean and Tagalog. Practice every question free, then sit a 150-question mock scored to the real 60% pass line.
🎯 Practice by Topic
California Property State Law
California-specific property insurance law: efficient proximate cause / concurrent causation (Ins. Code 10088.5), the California Residential Property Insurance Disclosure (10101-10102, 678(e)), the FAIR Plan, valued policies (2053-2054) and valuation types, the Standard Fire Policy (2070-2071), replacement cost (2051.5), state-of-emergency provisions (2060, 10103.7), classes of insurance, and cancellation/nonrenewal rules.
California Automobile Insurance Law
California-specific automobile insurance law: uninsured/underinsured motorist coverage (Ins. Code 11580.2), the Financial Responsibility Law and current 30/60/15 minimum limits (Veh. Code 16056, 16021), Proposition 103 rating factors, prior-approval rates and the Good Driver Discount (Ins. Code 1861.02, 1861.025, 1861.05), auto cancellation/nonrenewal rules and notice periods (660-663), and the California Low Cost Automobile Insurance Program (11629.7).
California Producer Licensing Law
California producer licensing law: property and casualty license classes and the definition of a licensee (Ins. Code 1625), the requirement to be licensed to transact insurance and the misdemeanor penalty for transacting without a license (1631, 1633), notices of appointment and solicitor appointment (1704), surrender of a license (1708), producer fiduciary duties for premium funds and theft liability (1733), application investigation, license qualifications and grounds for denial (1666, 1668), change-of-address notice (1729), license-number disclosure on business documents (1725.5), prohibited acts with nonadmitted insurers unless a surplus line broker (703), and disclosure of the effective date of coverage for personal lines (1730.5).
California Insurance Ethics & Unfair Practices
California insurance ethics and the Unfair Practices Article: the general prohibition against unfair or deceptive acts in the business of insurance (Ins. Code 790.02), the defined unfair methods of competition and deceptive acts including misrepresentation and twisting, false advertising, boycott/coercion/intimidation, false financial statements and book entries, unfair discrimination, false guarantee-association claims, and the enumerated unfair claims settlement practices (790.03), the 12-hour ethics continuing-education requirement and its content limits (1749.1), the Insurance Frauds Prevention Act (1871), and the Insurance Information and Privacy Protection Act (791).
California Workers' Compensation Law
California workers' compensation law for the property and casualty producer: the compulsory duty of every employer to secure the payment of compensation by insurance or self-insurance (Lab. Code 3700), the no-fault and exclusive-remedy nature of compensation and the arising-out-of-and-in-the-course-of-employment conditions (Lab. Code 3600), the consequence when an employer fails to secure coverage — the injured worker may sue at law (Lab. Code 3706), the State Compensation Insurance Fund (Ins. Code 11770), the workers' compensation rating organization and pure premium rates (Ins. Code 11750.3), and workers' compensation and incidental employer's liability insurance (Ins. Code 11750.1).