10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The OK-PC exam has 150 questions and runs 2 hours 30 minutes.
These 10 free OK-PC questions are organized by exam domain, so you can see how each part of the Oklahoma Property & Casualty Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
Forty-five days before the proposed nonrenewal date, an Oklahoma insurer mails notice based on an ordinary underwriting reason not listed in 36 O.S. § 3639.1(A). Under the current personal-residential notice rule, how should the notice be treated?
Correct answer: B - Untimely because at least 60 days is required
During a shift, an employee suffers a deep laceration with uncontrolled bleeding. The employer knows of the injury but has not arranged a treating physician. Under Oklahoma workers' compensation law, what is the appropriate immediate response?
Correct answer: B - Obtain necessary emergency treatment at the employer's expense
Lightning damages a commercial building after it has been vacant for 75 consecutive days. How does the standard commercial property vacancy condition affect this otherwise covered loss?
Correct answer: C - The loss remains covered, but payment is reduced by 15%
A commercial building has a replacement value of $1,250,000 and an 80% coinsurance requirement. The insured carries a $750,000 limit. A covered fire causes $240,000 in damage, and the deductible is $5,000. What amount is payable under the standard property coinsurance method?
Correct answer: C - $175,000
After an earthquake ruptures a gas line, the resulting fire damages a home. The policy excludes earth movement but expressly preserves coverage for ensuing fire. Which treatment is consistent with that wording?
Correct answer: C - Cover the fire damage and exclude direct earth-movement damage
Coverage is accepted for a warehouse fire, but the parties disagree only about the property's preloss value and repair amount. Which policy process resolves that dispute without deciding coverage?
Correct answer: D - Appraisal
While the insured's declared SUV is withdrawn from normal use for transmission repairs, the insured rents a sedan for three days. Under a standard Personal Auto Policy, how is the rental most accurately classified?
Correct answer: A - A temporary substitute auto; Part D still depends on selected coverage
Three weeks after a shopping-center owner accepts a roofing contractor's completed metal-panel installation, an improperly secured panel falls and injures a shopper. Which commercial general liability hazard applies?
Correct answer: D - Completed operations
Employees of a consulting firm use their personally owned cars on company errands. The firm neither owns nor hires autos and wants business auto liability to cover only that exposure. Which Business Auto Coverage Form symbol belongs in the declarations?
Correct answer: D - Symbol 9 - Nonowned autos only
Before work begins, a general contractor receives a certificate of insurance listing it as certificate holder under a subcontractor's CGL policy. No additional-insured endorsement or automatic policy provision applies. After a loss, what does the certificate establish?
Correct answer: A - It evidences the listed policy but does not confer additional-insured status
The OK-PC exam also covers these domains. Drill them in the full free practice test:
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