Pennsylvania property and casualty practice exam
Free property and casualty practice for the Pennsylvania producer exam: 367 general questions plus 17 Pennsylvania state law questions, each with an explanation.
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Getting your Pennsylvania property and casualty license
Pennsylvania offers a combined PSI property and casualty exam for $55, or property and casualty as separate $45 exams. Fingerprinting comes last: you register with IdentoGO only after you pass and apply.
- Exam provider
- PSI. Schedule on the PID PSI site or at 1-888-818-5822.
- Exam fee
- Combined property and casualty: $55. Property and allied lines, or casualty and allied lines, alone: $45 each.
- Passing score
- 70 percent
- License fee
- $55 for a Pennsylvania resident
- Fingerprints
- Required for new resident licenses, at an IdentoGO center. Register only after you pass the exam and apply.
- Retakes
- No limit on attempts. You cannot retest the same day.
How to plan your retake
Retake rules by state - Continuing education
- At least 24 credit hours each 2-year licensing cycle
Official links
- Pennsylvania Insurance Department - official state insurance department
- PID, Initial Insurance Producer Licensing Process - exam provider information
Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Pennsylvania Insurance Department and your exam's candidate handbook before you register.
Pennsylvania state law questions
Every Pennsylvania question with its answer, explanation, and the law it comes from.
Licensing and CE
2 questions
1. How much continuing education must a Pennsylvania producer complete in each licensing cycle?
- At least 15 credits every two years
- At least 24 credits every two years
- At least 12 credits every year
- At least 30 credits every three years
Show answer
Pennsylvania producers must complete at least 24 continuing education credits in each two-year licensing cycle. Fifteen credits is New York's figure, not Pennsylvania's.
2. What happens if a Pennsylvania producer fails to meet the minimum continuing education requirement?
- The license is renewed with a fine
- The license is suspended for 90 days
- The license is voluntarily terminated
- Nothing until the next audit
Show answer
In Pennsylvania, failing to complete the minimum CE results in voluntary termination of the license. Waivers are granted only case by case, usually for military service or other well-documented hardship.
Auto Insurance
5 questions
1. What are the minimum auto liability limits required in Pennsylvania?
- $15,000 per person, $30,000 per accident, and $5,000 property damage
- $25,000 per person, $50,000 per accident, and $10,000 property damage
- $15,000 per person, $30,000 per accident, and $10,000 property damage
- $25,000 per person, $50,000 per accident, and $25,000 property damage
Show answer
Pennsylvania's minimums are $15,000 per person and $30,000 per accident for bodily injury, plus $5,000 for property damage. Some insurers instead offer a $35,000 combined single limit, which meets both minimums.
2. What is the minimum first-party medical benefits limit on a Pennsylvania auto policy?
- $2,500
- $10,000
- $50,000
- $5,000
Show answer
Pennsylvania requires at least $5,000 of medical benefits, which pay the insured's own medical bills after an accident. Higher amounts like $10,000 or $50,000 are optional or belong to other states' no-fault systems.
3. If a Pennsylvania auto insured does not specifically elect the limited tort option, the insured is:
- Deemed to have elected limited tort
- Deemed to have elected full tort
- Not covered until an election is made
- Required to choose at the first claim
Show answer
In Pennsylvania, anyone who does not specifically choose limited tort is treated as having chosen full tort. Full tort keeps unrestricted rights to sue the negligent driver.
4. Under the limited tort option in Pennsylvania, the insured gets a lower premium in exchange for:
- Giving up all medical benefits
- Giving up property damage liability coverage
- Generally giving up the right to recover for pain and suffering unless an exception applies
- Agreeing to a $1,000 deductible on all claims
Show answer
Limited tort lowers the premium, but the insured generally cannot recover damages such as pain and suffering unless an exception applies. Medical benefits and the insured's own liability coverage are not given up.
5. Under Pennsylvania law, stacked uninsured and underinsured motorist coverage:
- Applies unless the insured rejects it
- Is never allowed
- Must be purchased separately
- Applies only to commercial policies
Show answer
Pennsylvania applies stacked UM and UIM coverage by law unless the insured rejects it. Stacking multiplies the limit by the number of vehicles, and rejecting it lowers the premium.
Residual Markets
2 questions
1. Which insurers must participate in the Pennsylvania Assigned Risk Plan?
- Only insurers that volunteer
- Only insurers with more than 5 percent of the state's auto market
- Only nonprofit insurers
- All insurers writing auto insurance in Pennsylvania
Show answer
Every insurer writing auto insurance in Pennsylvania must participate in the Assigned Risk Plan. Drivers who cannot get coverage on their own are assigned to insurers in proportion to each company's Pennsylvania business.
2. What does the Pennsylvania FAIR Plan guarantee for homeowners who cannot get coverage elsewhere?
- Full replacement-cost homeowners coverage
- The availability of basic fire insurance for the home
- Flood insurance
- Personal liability coverage only
Show answer
The Pennsylvania FAIR Plan guarantees the availability of basic fire insurance for a home when coverage cannot be found in the regular market. It is a basic safety net, not a full homeowners package.
Cancellation and Nonrenewal
4 questions
1. How long a grace period does Pennsylvania law require auto insurers to give for a late premium?
- 10 days
- None; Pennsylvania law does not require a grace period
- 15 days
- 31 days
Show answer
Pennsylvania law does not require auto insurers to give a grace period, so the company can cancel if the premium is not received by the due date. A grace period, if any, comes from the insurer's own policy terms.
2. A Pennsylvania auto insured who disagrees with a cancellation or nonrenewal must get a written statement to the Insurance Department within:
- 10 days of receiving the notice
- 60 days of the effective date
- 30 days of the company's mailing of the notice
- The next policy anniversary
Show answer
For auto, the insured's written disagreement must reach the Pennsylvania Insurance Department within 30 days of the company's mailing of the notice. The homeowners deadline is shorter: 10 days from receiving the notice.
3. A Pennsylvania homeowner who disputes a cancellation or nonrenewal must get a written statement to the Insurance Department within:
- 10 days of receiving the notice
- 30 days of the company's mailing of the notice
- 45 days of receiving the notice
- 60 days of the effective date
Show answer
For homeowners policies, the written statement must reach the Pennsylvania Insurance Department within 10 days of receiving the notice. The 30-day deadline from the mailing date applies to auto policies, not homeowners.
4. Under Pennsylvania law, an insurer may NOT terminate a homeowners policy because of:
- Nonpayment of premium
- An unrepaired hazard the insurer identified
- Fraud in the application
- The insured's claims or loss history
Show answer
Pennsylvania does not allow insurers to terminate a homeowners policy because of claims or loss history. Nonpayment and failure to correct an identified hazard can lead to termination.
Guaranty Association
2 questions
1. For covered claims other than return of unearned premium, the Pennsylvania Property and Casualty Insurance Guaranty Association pays no more than:
- $100,000 per claimant
- $500,000 per claimant
- $300,000 per claimant
- $1,000,000 per claimant
Show answer
PPCIGA pays up to $300,000 per claimant for covered claims other than unearned premium. Workers compensation is not covered by PPCIGA at all, because it is excluded from the definition of a property and casualty policy.
2. How much will the Pennsylvania Property and Casualty Insurance Guaranty Association pay for return of unearned premium?
- Up to $10,000 per policy
- Up to $1,000 per policy
- Up to $50,000 per policy
- Up to $300,000 per policy
Show answer
PPCIGA's limit for return of unearned premium is $10,000 per policy. The $300,000 limit applies to other covered claims, not refunds of premium.
Workers Compensation
2 questions
1. Which Pennsylvania employers must carry workers compensation coverage?
- Only employers with 5 or more employees
- Only employers in hazardous industries
- Only employers with a payroll over $100,000
- Any employer with at least one employee, unless all employees fall under an exclusion
Show answer
Pennsylvania requires workers compensation for any employer with at least one employee, unless every employee falls under an exclusion such as federal or railroad workers. Insurance can come from a private carrier, the State Workers' Insurance Fund, or approved self-insurance.
2. In Pennsylvania, wage-loss benefits are payable only if disability lasts more than how many days, and once owed, must begin within how many days of the employer's knowledge of the injury?
- 3 days; 14 days
- 7 days; 21 days
- 14 days; 30 days
- 30 days; 60 days
Show answer
Pennsylvania pays wage-loss benefits only when disability exceeds 7 days in total. Unless the claim is denied, payments must start within 21 days of the employer's knowledge or notice of the injury.
Key Pennsylvania terms
18 plain-English cards on Pennsylvania insurance law, from the Pennsylvania flashcard deck.
Licensing and CE
- Pennsylvania P&C exam
- Given by PSI with a 70 percent passing score. The combined property and casualty exam costs $55.
- Pennsylvania fingerprint step
- New resident applicants are fingerprinted at an IdentoGO center, registering only after passing the exam and applying.
- Pennsylvania CE requirement
- At least 24 credits every two-year licensing cycle.
- Pennsylvania CE noncompliance
- A producer who misses the CE minimum has the license voluntarily terminated. Waivers are case by case.
Auto Insurance
- Pennsylvania auto liability minimums
- 15/30/5: $15,000 per person and $30,000 per accident bodily injury, $5,000 property damage.
- Pennsylvania first-party medical benefits
- Every auto policy must carry at least $5,000 of medical benefits for the insured's own injuries.
- Limited tort
- A Pennsylvania auto option with a lower premium; the insured generally gives up suing for pain and suffering unless an exception applies.
- Full tort
- The Pennsylvania auto option that keeps unrestricted rights to sue. An insured who does not choose limited tort is deemed to have full tort.
- Pennsylvania stacked UM/UIM
- Stacked uninsured and underinsured motorist coverage applies by law unless the insured rejects it.
Residual Markets
- Pennsylvania Assigned Risk Plan
- Auto coverage for drivers who cannot get it on their own. Every insurer writing auto in Pennsylvania must participate.
- Pennsylvania FAIR Plan
- Guarantees basic fire insurance for a home when coverage cannot be found in the regular market.
Cancellation and Nonrenewal
- Pennsylvania auto grace period
- State law does not require one; an insurer can cancel if premium is not received by the due date.
- Pennsylvania auto termination dispute
- An insured who disagrees with an auto cancellation or nonrenewal must get a written statement to PID within 30 days of the mailing.
- Pennsylvania homeowners termination dispute
- A homeowner must get a written statement to PID within 10 days of receiving a cancellation or nonrenewal notice.
- Pennsylvania homeowners loss history rule
- An insurer may not terminate a homeowners policy because of the insured's claims or loss history.
Guaranty Association
- Pennsylvania P&C guaranty limit
- PPCIGA pays up to $300,000 per claimant for covered claims and up to $10,000 per policy for unearned premium. It does not cover workers comp.
Workers Compensation
- Pennsylvania workers comp requirement
- Any employer with at least one employee must carry it unless every employee falls under an exclusion.
- Pennsylvania wage-loss waiting period
- Wage-loss benefits are payable only if disability lasts more than 7 days; payments must start within 21 days unless denied.
Keep studying
The general topics make up most of the exam.
Pennsylvania exam questions
Is the Pennsylvania property and casualty exam one test or two?
Either. PSI offers a combined property and casualty exam for $55, or property and casualty as separate exams for $45 each.Source: PSI, Pennsylvania Insurance Candidate Information Bulletin (Jan 2026)
When do I get fingerprinted in Pennsylvania?
After you pass the exam and submit your license application. PID says not to book an IdentoGO appointment before then.Source: PID, Initial Insurance Producer Licensing Process
How many times can I retake the Pennsylvania exam?
As many as you need. There is no limit, but you cannot retest on the same day.Source: PSI, Pennsylvania Insurance Candidate Information Bulletin (Jan 2026)
How much of the Pennsylvania property and casualty exam is state law?
State law is usually around 20 to 30 percent of a state's producer exam. Check the Pennsylvania candidate handbook from your testing provider for the exact content outline.
What does the Pennsylvania state law section cover?
Common areas include licensing and continuing education, auto liability minimums, cancellation and nonrenewal notice rules, and the guaranty fund. This page covers: Licensing and CE, Auto Insurance, Residual Markets, Cancellation and Nonrenewal, Guaranty Association, Workers Compensation.
Where do these state questions come from?
Each state question is written from the state's statutes, regulations, or insurance department guidance, and the source is linked under the answer so you can read it yourself.
Do I still need the general questions?
Yes. Most of the exam is general property and casualty knowledge. The full exam option here mixes 367 general questions with the Pennsylvania state law questions.