Pass The P&C Exam | Insurance Laws and Regulations That Actually Matter

Описание: General Laws & Regulations for Property & Casualty Insurance Exams (National-Level)
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This lesson covers the national-level Property & Casualty insurance laws, regulations, producer duties, and market rules that appear on every P&C, Personal Lines, and Commercial Lines exam in all 50 states + D.C. These concepts are universal and form the foundation of your state licensing exam.
🧠 In this video, you'll learn:

The role and authority of the Commissioner / Director / Superintendent
Licensing rules for producers, agencies, and nonresidents
Appointment, termination, CE rules, renewals & reporting requirements
Types of authority (express, implied, apparent)
Fiduciary duties & proper handling of premium funds
Unfair trade practices (rebating, coercion, misrepresentation, etc.)
Unfair claims settlement practices
Recordkeeping rules & compliance standards
Binders, cancellation rules, nonrenewals, reinstatements
Auto financial responsibility basics (national standards)
UM/UIM general rules
Workers Compensation basic structure
Residual market mechanisms (Assigned Risk Plans, FAIR Plans, JUAs)
National Flood Insurance Program (NFIP) overview
What's universal nationwide vs. what varies by state

This video gives you the complete framework for the P&C side of your exam. After this, all you'll need to add are your state's specific numbers, timeframes, and penalty rules.

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🎥 Next Steps:
Once you finish this general overview, make sure you watch your state-specific Property & Casualty Laws & Regulations playlist, where we cover:

State-specific auto limits
Cancellation & nonrenewal timelines
Licensing requirements
Homeowners & commercial rules unique to your state
Special state funds & programs
Exact penalties, fines & regulatory timelines

New state lessons are added weekly — Texas, Florida, Illinois, and more coming soon!
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