Insurance FAQs

Generally no. Insurance contracts require the policyholder to be at least 18, so a licensed teenager under 18 cannot hold a policy in their own name. A parent typically buys the policy and lists the teen as a driver. Once the teenager turns 18, they can hold the policy themselves.

Yes. A high school diploma or equivalent is the typical entry-level education for claims adjusters, examiners, and investigators, and no college degree is required to enter the field. Some positions require a bachelor's degree or insurance-related work experience. Entry-level adjusters generally work on small claims under supervision before moving to larger, more complex claims.

Yes, buying car insurance without a license is possible, though some insurers decline unlicensed customers. Insurers usually ask for a driver's license number to check driving history; without one, they may price the policy using a licensed primary driver's record instead. The unlicensed policyholder is often listed as an excluded driver, which means claims that happen while that person is driving are not covered.

Answered for 2 states. Pick your state to see its answer.

Often yes, but it depends on your state. Prelicensing courses can typically be completed online, and many states offer remotely proctored exams: California offers remote online proctoring for all its insurance licensing exams, and New York, Colorado, and Illinois also allow online testing. Other states require testing in person. Texas, for example, discontinued remote exams in March 2024 and requires candidates to test at Pearson VUE test centers.

Answered for 1 state. Pick your state to see its answer.

Yes, in many states. Prelicensing courses are widely available online, and several states offer remote-proctored licensing exams: Colorado makes its insurance licensing exams available online through Pearson VUE's OnVUE platform, and California offers remote exams through PSI. Not every state allows it; Texas discontinued online-proctored exams in March 2024 and requires testing in person at Pearson VUE test centers.

In many states, yes. Prelicensing coursework can typically be completed online, and several states offer remote online proctored exams, including California, which offers remote testing through PSI for all insurance licensing exams, and Illinois, which offers online proctoring through Pearson OnVUE. Exam delivery varies by state: Texas requires testing in person at a Pearson VUE test center, since it discontinued remote exams in March 2024.

Answered for 4 states. Pick your state to see its answer.

Answered for 2 states. Pick your state to see its answer.