Free Personal Auto Policy Practice Questions
Pennsylvania Personal Lines exam (series 16-16) — 200 practice questions.
Subtopics: Minimum BI limits, Minimum PD limit, First-party medical minimum, First-party benefits, Limited tort, Full tort, Tort election binding, Uninsured motorist offer, Underinsured motorist, Stacking, Assigned risk plan, Proof of financial responsibility, Penalty for lapse, Cancellation notice, Permissible cancellation reasons, Income loss benefit, Funeral benefit, Accidental death benefit, Extraordinary medical benefit, UM and UIM rejection, UM and UIM limits, Stacking waiver, Default tort, Nonpayment cancellation, Midterm cancellation, Nonrenewal notice, Newly acquired auto, Collision coverage, Comprehensive coverage, Repair facility choice, Financial responsibility, Tort election, Limited tort exceptions, Serious injury, First party benefits, Combination benefit, Medical cost containment, Rental vehicles, UM and UIM, Assigned Claims Plan, Assigned Risk Plan, Required offers, Physical damage, Premium surcharges, Return premium, Required discounts, Required notices, Loaner vehicles, Lapse of coverage, Proof of coverage, Minimum policy, Definitions, Physical damage appraisal, Part A liability, Part B medical payments, Part C UM, Part D collision, Other than collision, Covered persons liability, Temporary substitute, Supplementary payments, Liability exclusion intentional, Liability exclusion livery, Split limits, Transportation expenses, Towing and labor, Loss settlement physical damage, Duties after accident, Territory, Covered auto definition, Trailers coverage, Non-owned auto, Rented auto coverage, Glass breakage, Exclusion racing, Exclusion few wheels, Exclusion auto business, Exclusion owned property, Exclusion no reasonable belief, Out of state coverage, Other insurance non-owned, UM dispute resolution, Electronic equipment limit, Appraisal physical damage, No-fault PIP, Right to recover, Collision settlement, Total loss settlement, Definitions - spouse, Definitions - leased autos, Definitions - family member, Definitions - occupying, Temporary substitute auto, Part A insureds, Part A insuring agreement, Part A exclusions, Ridesharing, Livery exclusion exceptions, Auto business exclusion, Business use exclusion, Reasonable belief exclusion, Vehicle sharing, Fewer than four wheels, Regular use exclusion, Racing exclusion, Flying vehicles, Split limits calculation, Limit of liability, Other insurance, Medical payments, Medical payments insureds, Medical payments exclusions, Medical payments other insurance, Uninsured motor vehicle, Hit and run, UM exclusions, UM arbitration, Collision definition, Non-owned auto deductible, Part D exclusions, Custom equipment, Part D limits, Trailers and campers, Governmental confiscation, Part D valuation, Betterment, Payment of loss, Other sources of recovery, Rental car exclusion, Duties after loss, Cancellation, Nonrenewal, Automatic termination, Policy territory, Limited Mexico coverage, Transfer of interest, Two or more auto policies, Subrogation, Legal action, Residual markets, Medical payments calculation, Part D coverage, Uninsured motorists, Extended non-owned coverage, Miscellaneous type vehicle
Read the Personal Auto Policy study guide
Sample questions & answers
1. Pennsylvania's minimum bodily injury liability limits for a private passenger auto are:
15/30
Pennsylvania requires minimum BI liability limits of 15000 dollars per person and 30000 dollars per accident.
2. The minimum property damage liability limit required for a Pennsylvania auto policy is:
5000 dollars
Pennsylvania requires a minimum property damage liability limit of 5000 dollars (the 15/30/5 minimum).
3. The minimum first-party medical benefit (PIP) a Pennsylvania auto policy must include is:
5000 dollars
Pennsylvania requires at least 5000 dollars of first-party medical benefits for each insured.
4. First-party benefits under a Pennsylvania auto policy pay the insured's covered expenses:
Regardless of fault
First-party benefits (medical and optional income loss, etc.) are paid without regard to fault.
Practice: Personal Auto Policy
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
