Free Personal Automobile Policy Practice Questions
Pennsylvania Property & Casualty exam (series 16-06) — 121 practice questions.
Subtopics: PA minimum limits, First party benefits, Limited vs full tort, Tort election default, Uninsured motorist, Financial responsibility, Stacking, Assigned risk, Proof of coverage, Income loss benefit, Funeral benefit, Accidental death benefit, Extraordinary medical benefit, UM and UIM rejection, Tort election, Default tort, Nonpayment cancellation, Newly acquired auto, Assigned risk plan, Limited tort exceptions, Serious injury, Combination benefit, Medical cost containment, Rental vehicles, UM and UIM, UM and UIM limits, Assigned Claims Plan, Assigned Risk Plan, Required offers, Physical damage, Premium surcharges, Return premium, Required discounts, Required notices, Loaner vehicles, Lapse of coverage, Nonpayment of judgments, Physical damage appraisal, Policy structure, Definition of insured, Optional coverages, Exclusions, Liability coverage, Medical payments, Collision coverage, Other than collision, Transportation expenses, Underinsured motorist, Towing and labor, Newly acquired autos, Definitions, Supplementary payments, Liability exclusions, Uninsured motorists, Physical damage exclusions, Duties after loss, Policy territory, Termination, Residual market
Read the Personal Automobile Policy study guide
Sample questions & answers
1. Pennsylvania's minimum bodily injury liability limits for a private passenger auto policy are:
$15,000 per person / $30,000 per accident
Pennsylvania financial responsibility requires bodily injury limits of at least $15,000 per person and $30,000 per accident (the 15/30 of 15/30/5).
2. The minimum property damage liability limit required for a Pennsylvania auto policy is:
$5,000
Pennsylvania requires at least $5,000 of property damage liability (the 5 in 15/30/5).
3. The minimum first-party medical benefit that must be included on a Pennsylvania auto policy is:
$5,000
Pennsylvania law requires a medical benefit of at least $5,000, payable regardless of fault.
4. A Pennsylvania insured who elects the limited tort option:
Pays less but generally cannot recover pain and suffering damages
Limited tort lowers premiums but limits recovery of non-economic damages (pain and suffering) unless an exception applies; full tort preserves unrestricted suit rights.
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Practice: Personal Automobile 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.
