4 HRs Personal Auto and Umbrella Insurance - North Carolina

✅ Approved by North Carolina Department of Insurance | Provider #10033461 | Course #223659 | Only $21.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 4 approved hours toward your North Carolina insurance license continuing education with a course approved by the North Carolina Department of Insurance for only $21.99. The hours apply to your 24-credit, two-year requirement and the course is approved in the Property & Casualty category, so you can enroll online and start on your own schedule.

The course is 100% online and self-paced. Log in and out as often as you need without losing progress. Your certificate is emailed the moment you finish, and 1st Choice CE reports your completion to Prometric, the Department's CE administrator.

✅ Course Details

• Course name: 4 HRs Personal Auto and Umbrella Insurance
• Approved by: North Carolina Department of Insurance
• Provider number: 10033461
• Course number: 223659
• Course length: 4 hours
• Course category: Property & Casualty
• Course format: 100% online, self-paced
• Price: $21.99
• Certificate: emailed immediately after completion
• Reporting: 1st Choice CE reports your completion to Prometric, the Department's CE administrator
• Page URL: https://1stchoice-ce.com/courses/checkout/north+carolina/4-hrs-personal-auto-umbrella-north-carolina/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Course?

• Licensed property and casualty agents and producers
• Personal lines producers who quote and service auto policies
• Agents who explain uninsured and underinsured motorist options to clients
• Producers who recommend personal umbrella coverage
• Agency staff who handle household driver and vehicle changes
• Agents who need property and casualty credit toward North Carolina's renewal total

✅ Does This Course Satisfy the State Requirement?

This course provides 4 credits toward the 24 a North Carolina licensee must complete each two-year compliance period. It does not satisfy the requirement on its own, and it does not satisfy the separate 3-hour ethics requirement.

North Carolina sets no limit on self-study or online hours, so all 4 credits count in full. If you hold a property, personal lines or adjuster license, remember that the 3-hour flood requirement is a separate mandated subject in alternating compliance periods.

✅ North Carolina Continuing Education Requirements

North Carolina requires 24 insurance continuing education credits during each biennial compliance period under 11 NCAC 06A .0802. Three of those credits must be ethics, taken from a course approved in the ethics category - general credit will not satisfy it, and the Department states there are no exceptions. Licensees holding a property, personal lines or adjuster license must also complete 3 hours of flood coverage in their first compliance period and every other compliance period after that, which works out to every four years. The 24-hour total is the same regardless of how many licenses you hold; holding more lines changes the mandated subject mix, not the total.

• 24 insurance continuing education credits (ICECs) in each two-year compliance period
• 3 of the 24 must be ethics, from a course approved in the ethics category
• 3 hours of flood, in the first compliance period and every other period after that, for anyone holding a property, personal lines or adjuster license
• 24 hours is the total no matter how many licenses you hold
• No limit on self-study or online hours - all 24 may be completed online
• Excess hours carry forward to the next compliance period as general credit

Your compliance date is set by your birth month and your birth year. Continuing education is due by the last day of your birth month, in odd-numbered years if you were born in an odd year and even-numbered years if you were born in an even year. North Carolina sets no limit on self-study or online hours, so the full 24 may be completed online. Hours above 24 carry forward to the next compliance period, although surplus ethics or flood credits carry over only as general credit and do not pre-satisfy the next period's mandated subjects. The same course does not earn credit twice in one compliance period. Exemptions are narrow - long-term medical disability or active military service only. There is no long-tenured exemption and no professional designation exemption. Nonresident licensees who meet their home state's requirements are deemed to meet North Carolina's.

How this course helps: This 4-hour course contributes 4 of the 24 credits a North Carolina licensee must complete each two-year compliance period. It is general credit and does not satisfy the separate 3-hour ethics requirement, and it does not satisfy the 3-hour flood requirement that applies to property, personal lines and adjuster licensees in alternating compliance periods.

✅ When Do Licensees Renew?

North Carolina is unusual, and it is worth being precise about it. A resident producer license does not renew on a schedule - it stays valid until it is surrendered, cancelled or revoked. What runs on a cycle is the continuing education. Your CE is due by the last day of your birth month, in either odd or even years depending on your birth year. The license does not expire on a renewal date; it expires as a consequence of missing the CE deadline or missing the mandated ethics or flood hours. The January, April and September renewal dates you may have heard of apply to adjusters, business entities and surplus lines licenses, not to resident individual producers.

✅ How to Renew Your North Carolina License

1. Confirm your compliance date. It is the last day of your birth month, in an odd year if you were born in an odd year and an even year if you were born in an even year. New licensees should check the Department's New Licensee CE Chart, because a first period can run longer or shorter than two years.
2. Confirm which mandated subjects apply to you. Everyone needs 3 ethics hours. Anyone holding a property, personal lines or adjuster license also needs 3 flood hours in alternating periods.
3. Complete all 24 credits, including the mandated subjects, before the last day of your birth month in your compliance year.
4. Allow reporting time. Approved providers submit rosters to Prometric within 15 business days of the completion date.
5. Check your CE transcript through Sircon Compliance Express and confirm the ethics and flood hours posted in the correct categories, not as general credit.
6. If you are going to miss the date, request an extension through Sircon between 30 days before and the last day of your compliance period. The fee is $75 and it holds the license in Extended status for 30 days.
7. Verify your license status and NPN through the NAIC lookup, and keep your own CE records for five years as the rule requires.

There is no grace period. Missing the compliance date on total hours, or on the mandated ethics or flood hours, causes the license to expire. You then have four months from the compliance date to complete the outstanding hours and pay a $75 administrative fee to Prometric to reinstate. After that four-month window the license goes inactive and continuing education will not bring it back - you must complete prelicensing education and pass the state exam again for each line of authority to be issued a new license. That is the reason to finish early rather than at the deadline.

✅ What You Will Learn

• Apply the personal auto policy definitions that decide who and what is covered
• Explain split and combined single liability limits and the insurer's defense obligation
• Handle permissive use, resident relatives and household driver questions correctly
• Compare uninsured and underinsured motorist coverage and explain why it matters
• Distinguish comprehensive from collision and set client expectations on each
• Show a client what a personal umbrella actually sits above and where it will not respond

✅ Course Content Overview

Hour 1: Personal auto policy structure and definitions: covered autos, you and family member, resident relatives, newly acquired vehicles, and how a definition rather than an exclusion often decides a claim.

Hour 2: Liability coverage: split limits and combined single limits, the duty to defend and defense costs outside the limit, permissive use and non-owned autos, and the exclusions that most often surprise a client.

Hour 3: Uninsured and underinsured motorist coverage, stacking concepts, personal injury protection and medical payments, and the order in which these coverages respond to an injury claim.

Hour 4: Physical damage and the umbrella: comprehensive versus collision, deductibles, total loss valuation, rental and towing, then the personal umbrella - required underlying limits, the drop-down question, and exposures it does and does not reach.

✅ Other North Carolina Insurance CE Courses

• 3 Hour Ethics for Insurance Agents - North Carolina – $21.99
• 3-Hour Flood Insurance (NFIP) - North Carolina – $21.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training - North Carolina – $21.99
• 4-Hour Annuity Best Interest and Suitability - North Carolina – $21.99
• 8 Hours Initial Long-Term Care Insurance Partnership Training - North Carolina – $44.99
• 5 HRs Life Insurance Products and Retirement Planning - North Carolina – $21.99
• 4 HRs Medicare Advantage and Part D Update - North Carolina – $21.99
• 4 HRs Health Insurance and Affordable Care Act Updates - North Carolina – $21.99

✅ Why Choose 1st Choice CE?

• Approved provider and approved course in North Carolina
• Affordable at $21.99
• 100%% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate
• We report your completion for you
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in 4 HRs Personal Auto and Umbrella Insurance for $21.99 and complete your 4 approved hours online, on your schedule. Questions before you buy? Call or text 1-800-698-2770.