1. Exam Prep
  2. Pennsylvania
  3. Property & Casualty
  4. Personal Automobile Policy

Free Personal Automobile Policy Practice Questions

Pennsylvania Property & Casualty exam (series 16-06) — 20 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, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions

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 a lower premium but is generally restricted from recovering for pain and suffering except under stated exceptions

Limited tort lowers premiums but limits recovery of non-economic damages (pain and suffering) unless an exception applies; full tort preserves unrestricted suit rights.

All Property & Casualty topics

Practice: Personal Automobile Policy

Take a randomized, timed-style practice test. Answer choices are shuffled and your results are scored instantly with an explanation for every question.

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 Pennsylvania Insurance Department and the exam administrator before relying on it.