CertQuestUSA
Transportation70+AK/AL/AR +moreConstruction & Safety39+CAEnvironmental98+AL/AR/AZ +moreHealthcare & Clinical183+AL/AR/AZ +moreProfessional Licensing307+AL/AR/AZ +moreEducation & Teacher Certification17Aviation & FAA Certification9Finance & Securities Licensing19View all sectors ›

Personal Lines Insurance Producer License (SC)

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team
TL;DR

Personal Lines Insurance Producer License (SC): a 30-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 30 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily S.C. Code Ann. (100%) of this exam's citations.

Not sure where you stand? Take the free diagnostic — 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.
Start diagnostic
3
full papers, no repeats
30
questions per paper
30
questions in the bank
What this exam covers
5 real sample questions
What are the four standard coverage parts of a typical Personal Auto Policy (PAP)?
A. Liability, Medical Payments, Uninsured/Underinsured Motorists, and Physical Damage (Comprehensive and Collision)
B. Liability, Fire, Theft, and General Liability
C. Bodily Injury, Property Damage, Workers' Compensation, and Umbrella
D. Comprehensive, Collision, Business Use, and Fleet
Source: General national personal auto policy (PAP) content
A South Carolina Personal Lines producer is advising a client on personal auto liability limits. What are South Carolina's statutory minimum limits under S.C. Code Ann. § 38-77-140?
A. $25,000 bodily injury per person / $50,000 bodily injury per accident / $25,000 property damage
B. $10,000/$20,000/$10,000
C. $50,000/$100,000/$50,000
D. There is no state-mandated minimum; coverage is entirely optional
Source: S.C. Code Ann. § 38-77-140
South Carolina recognizes Personal Lines as a distinct line of authority for insurance producers. A producer who holds only the Personal Lines line of authority may generally sell which type of coverage?
A. Commercial general liability policies for a business
B. Personal auto, homeowners, and other individual/family lines of insurance
C. Group life insurance for an employer
D. Workers' compensation coverage for a construction company
Source: S.C. Code Ann. § 38-43-20
What happens under South Carolina law if a producer who holds only a Personal Lines license negotiates a commercial general liability policy for a small business client?
A. Nothing, because Personal Lines authority automatically extends to small commercial accounts
B. It exceeds the producer's line of authority and violates South Carolina's licensing requirement, since CGL is a commercial-lines product outside the personal lines scope
C. It is permitted once per year as a courtesy exception
D. It is allowed if the client signs a waiver
Source: S.C. Code Ann. § 38-43-20
A personal auto client asks whether they can decline uninsured motorist (UM) coverage entirely to lower their premium. What should the Personal Lines producer explain?
A. UM coverage can be fully waived with a simple signed form, just like comprehensive coverage
B. South Carolina requires UM coverage to be included at no less than the statutory minimum liability limits and does not allow it to be rejected outright, though higher optional limits may generally be selected
C. UM coverage is only available to commercial fleet policyholders
D. UM coverage is automatically included at no cost and cannot be adjusted upward
Source: S.C. Code Ann. §§ 38-77-140, 38-77-150
Same exam, other states
ALARAZCACOCTDCFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSNCNENHNJNMNVNYOHOKORPATNTXUTVAWAWIWV
Real-world data for this exam
Insurance Sales Agents: real median wage (SC)May 2025$61,350/yr

Frequently asked questions

How many questions are on the CertQuestUSA Personal Lines Insurance Producer License (SC) practice test?
30 questions total, split into 3 full papers of 30 each with no repeats across papers.
What topics does the Personal Lines Insurance Producer License (SC) test cover?
7 domains, with the heaviest weight on Homeowners Personal (27%), Sc Producer Licensing (20%), and Auto Sc Personal (17%).
Where do CertQuestUSA's Personal Lines Insurance Producer License (SC) questions come from?
Primarily S.C. Code Ann. (100%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free diagnostic for Personal Lines Insurance Producer License (SC)?
Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.
Composing your paper...