18 Free Pennsylvania Personal Auto Insurance Practice Questions (2026)
How to Use This Personal Auto Question Set
The Personal Automobile Policy is 10% of the Pennsylvania Property and Casualty exam (15 of 150 items), and the Motor Vehicle Financial Responsibility Law statute items that go with it — tort election, first-party benefits, uninsured and underinsured motorists, and the Pennsylvania Assigned Risk Plan — are tested alongside it even though LanePrep's course teaches them in the Pennsylvania law chapter instead, because that is where the course gathers Pennsylvania-specific statute detail generally.
It is also where a generic national study guide runs thin. The ISO Personal Automobile Policy itself — who counts as an insured, what collision and comprehensive coverage each pay for, the supplementary payments a liability claim carries — is the same form used across most states, but Pennsylvania's full-tort-or-limited-tort election under 75 Pa.C.S. §1705, the required first-party benefit package under 75 Pa.C.S. §§1711-1725, and the stacking rules for uninsured and underinsured motorists coverage under 75 Pa.C.S. §§1731 et seq. are Pennsylvania-specific and do not carry over from another state's producer exam.
These 18 questions come from chapter 3 of LanePrep's Pennsylvania Property & Casualty quiz bank, plus the Motor Vehicle Financial Responsibility Law items from chapter 8, and follow the three ways the exam approaches the topic: who is insured and what liability and physical damage coverage respond to; the policy's endorsements and the conditions that can jeopardize a claim; and the Motor Vehicle Financial Responsibility Law statutes that sit outside the policy form itself.
Work them before you read the answer. Every question has the explanation folded underneath it. Guessing and then reading is worth more than reading and then agreeing.
Practice Questions 1-6: Who Is Insured and What Physical Damage Coverage Applies
Who the Personal Automobile Policy treats as an 'insured' and which physical damage coverage applies to a given loss are two of the most heavily tested distinctions on this section: permissive use, an excluded driver named by name, and the line between collision and comprehensive for losses like a pothole, an animal strike or a rollover.
Question 1 (Chapter 3)
Under the Personal Automobile Policy (PAP) liability coverage, which of the following individuals is automatically considered an 'insured' while driving the insured's covered auto with permission?
- A) A licensed driver who is excluded by name on the policy declarations.
- B) An unlicensed teenager borrowing the car to run an errand.
- C) A friend using the car without the insured's knowledge or consent.
- D) A neighbor who borrows the truck to move furniture, with the insured's permission.
Show answer & explanation
Answer: D
Under the PAP liability coverage, an 'insured' includes any person using the covered auto with the permission of the named insured. Option D describes permissive use, making the neighbor an insured. Option A is incorrect because an excluded driver is not an insured, even with permission. Option B is incorrect because an unlicensed driver is not automatically an insured; while permissive use may apply, the policy may exclude unlicensed drivers, and they are not automatically covered. Option C is incorrect because use without knowledge or consent is not permissive use, so the friend is not an insured.
Question 2 (Chapter 3)
A Pennsylvania insured lenders their car to a friend who has been excluded by name on the policy. The friend causes an accident while driving the car with the insured's permission. What is the likely outcome regarding liability coverage?
- A) Coverage applies because the friend had permission to drive the car.
- B) Coverage applies, but the insurer will seek reimbursement from the friend.
- C) Coverage does not apply because the friend is an excluded driver.
- D) Coverage applies only if the friend is a licensed driver.
Show answer & explanation
Answer: C
An excluded driver is specifically named in the policy declarations as not being covered. Even if the excluded driver has permission to drive the vehicle, the exclusion overrides permissive use, and no liability coverage applies. Option A is incorrect because permission does not override an exclusion. Option B is incorrect because there is no coverage to trigger reimbursement. Option D is incorrect because licensure is irrelevant; the exclusion applies regardless of the friend's license status.
Question 3 (Chapter 3)
Which of the following is NOT covered under the comprehensive coverage of a Personal Automobile Policy?
- A) Damage from a falling tree branch.
- B) Damage from a fire.
- C) Damage from a collision with a deer.
- D) Damage from hitting a pothole.
Show answer & explanation
Answer: D
Comprehensive coverage (other than collision) covers losses such as falling objects (tree branch), fire, and collision with animals (like a deer). Damage from hitting a pothole is considered a collision loss because it involves impact with the road surface, which is treated as an object under the collision definition. Therefore, pothole damage is not covered under comprehensive; it would require collision coverage. Options A, B, and C are all covered under comprehensive.
Question 4 (Chapter 3)
Under the Personal Automobile Policy, collision coverage applies to damage from which of the following events?
- A) Theft of the insured's vehicle.
- B) Damage caused by a flood.
- C) Damage caused by vandalism.
- D) Impact with a telephone pole.
Show answer & explanation
Answer: D
Collision coverage pays for damage to the insured's vehicle resulting from impact with another vehicle or object, such as a telephone pole, guardrail, or building. Option A (theft) is covered under comprehensive, not collision. Option B (flood) is covered under comprehensive. Option C (vandalism) is covered under comprehensive. Only option C describes a collision event.
Question 5 (Chapter 3)
A Pennsylvania insured's vehicle is damaged when it rolls over while avoiding a deer. The insured has both collision and comprehensive coverage. Which coverage applies to this loss?
- A) Comprehensive coverage applies because the initiating event was avoiding an animal.
- B) Both collision and comprehensive coverage apply, and the insured can choose which to use.
- C) Collision coverage applies because the loss resulted from the vehicle's overturn.
- D) Neither collision nor comprehensive coverage applies; this is a liability-only loss.
Show answer & explanation
Answer: C
Collision coverage applies to upset of the vehicle (including rollover), regardless of the initiating event. Comprehensive coverage does not cover upset/overturn; it covers specific perils like missiles, falling objects, fire, theft, etc. Avoiding a deer does not change the nature of the loss to a comprehensive peril. The insured cannot choose; the policy defines which coverage applies based on the cause of loss.
Question 6 (Chapter 3)
Under the Personal Automobile Policy, which of the following statements about 'physical damage' coverage is correct?
- A) Physical damage coverage includes both collision and comprehensive, and the insured must purchase both together.
- B) Physical damage coverage applies only to vehicles listed on the declarations page and cannot be extended to non-owned autos.
- C) Physical damage coverage pays the replacement cost of the vehicle without deduction for depreciation.
- D) Physical damage coverage under the PAP consists of collision and other than collision (comprehensive) coverage, each purchasable separately and each with its own deductible.
Show answer & explanation
Answer: D
Part D of the Personal Auto Policy provides physical damage coverage in two parts, collision and other than collision (comprehensive), which can be bought separately and carry their own deductibles. Option A is wrong because the two need not be purchased together. Option B is wrong because Part D extends to a non-owned auto the insured is using, subject to the policy's terms. Option C is wrong because the PAP settles physical damage at actual cash value or the cost of repair, whichever is less, not at replacement cost.
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Practice Questions 7-12: Endorsements, Conditions and Policy Math
The policy's own endorsements — towing and labor, miscellaneous type vehicles, joint ownership, extended non-owned coverage, and the Pennsylvania amendment of policy provisions — each have a specific purpose the exam expects by endorsement number. The math questions in this group follow the same pattern as the rest of the exam: split liability limits and medical payments coverage both apply per person, not as a single pool shared by everyone hurt in the accident.
Question 7 (Chapter 3)
A Pennsylvania resident purchases a Personal Automobile Policy and adds the PP 03 03 endorsement for towing and labor costs. After a mechanical breakdown on the highway, the insured has the vehicle towed to a repair shop and pays $150 for the tow and $75 for labor to diagnose the issue. The insurer denies the claim, stating the labor was not related to making the vehicle operable. Which statement is correct regarding the denial?
- A) The denial is correct because towing and labor coverage only applies after a collision.
- B) The denial is correct because the insured must use the insurer's preferred towing service.
- C) The denial is incorrect because towing and labor coverage has no dollar limit per disablement.
- D) The denial is incorrect because labor costs for diagnosing a mechanical breakdown are covered if reasonable.
Show answer & explanation
Answer: D
The PP 03 03 endorsement covers reasonable towing and labor costs incurred at the place of breakdown or towing to a repair shop. Labor costs include those for diagnosing and attempting to make the vehicle operable, such as jump-starts, tire changes, or diagnostic labor, as long as they are reasonable. The denial based on labor not being related to making the vehicle operable is incorrect; diagnostic labor is covered. Option A is wrong because coverage applies to mechanical breakdowns, not just collisions. Option B is wrong as there is no requirement to use a preferred service. Option C is wrong because the endorsement has a per-disablement limit (typically $50 or $100 unless higher limits are purchased).
Question 8 (Chapter 3)
A Pennsylvania resident owns a golf cart used exclusively on a private golf course. They wish to have liability coverage for this vehicle under their Personal Automobile Policy. Which endorsement is required?
- A) PP 03 03 (Towing and labor costs)
- B) PP 03 06 (Extended non-owned coverage for named individual)
- C) PP 03 23 (Miscellaneous type vehicle)
- D) PP 03 34 (Joint ownership coverage)
Show answer & explanation
Answer: C
The PP 03 23 endorsement covers miscellaneous type vehicles, such as golf carts, snowmobiles, or ATVs, when added to the Personal Automobile Policy, subject to restrictions. Option A is for towing and labor. Option B extends liability to a named individual driving non-owned vehicles. Option D covers joint ownership of a vehicle. None of these apply to adding a golf cart for liability coverage.
Question 9 (Chapter 3)
A named insured and their spouse jointly own a vehicle and want to ensure both are covered as insureds under the Personal Automobile Policy. Which endorsement should be added?
- A) PP 01 51 (Amendment of policy provisions—Pennsylvania)
- B) PP 03 03 (Towing and labor costs)
- C) PP 03 06 (Extended non-owned coverage for named individual)
- D) PP 03 34 (Joint ownership coverage)
Show answer & explanation
Answer: D
The PP 03 34 endorsement provides coverage for two or more individuals who jointly own a vehicle, ensuring both are considered insureds under the policy. Option A amends the policy for Pennsylvania compliance but does not address joint ownership. Option B covers towing and labor. Option C extends liability to a named individual driving non-owned vehicles, which does not apply here as the spouses own the vehicle.
Question 10 (Chapter 3)
Which statement accurately describes the 'Amendment of policy provisions—Pennsylvania' (PP 01 51) endorsement?
- A) It extends liability coverage to employees using their personal vehicles for business errands.
- B) It provides coverage for damage to the insured's vehicle from hitting an animal.
- C) It modifies the policy to comply with Pennsylvania laws regarding cancellation, nonrenewal, and changes.
- D) It allows the named insured to drive rental cars without purchasing the rental company's insurance.
Show answer & explanation
Answer: C
The PP 01 51 endorsement amends the Personal Automobile Policy to conform with Pennsylvania statutory requirements, particularly those governing cancellation, nonrenewal, and policy changes, ensuring the policy is valid in the state. Option A describes business use coverage, which is not provided by PP 01 51. Option B describes comprehensive coverage, not an endorsement function. Option D describes liability extension for rental cars, which is typically part of the base PAP liability coverage for temporary substitute vehicles, not PP 01 51.
Question 11 (Chapter 3)
A Pennsylvania driver's Personal Automobile Policy shows liability limits of 50/100/50. If the driver is at fault in an accident causing $75,000 in bodily injury to two people ($40,000 and $35,000), what is the maximum the insurer will pay for bodily injury under this policy?
- A) $50,000
- B) $100,000
- C) $75,000
- D) $150,000
Show answer & explanation
Answer: C
The bodily injury limits are $50,000 per person and $100,000 per accident. The injuries are $40,000 and $35,000, neither exceeding the $50,000 per-person limit, and the total $75,000 is within the $100,000 per-accident limit. Thus, the insurer pays the full $75,000. Option A incorrectly applies the per-person limit to the total. Option B incorrectly ignores the per-person limit. Option D doubles the per-accident limit erroneously.
Question 12 (Chapter 3)
A Pennsylvania insured's Personal Automobile Policy includes medical payments coverage with a limit of $5,000. The insured and two passengers are injured in an accident. The insured incurs $3,000 in medical expenses, Passenger A incurs $4,000, and Passenger B incurs $2,000. Assuming all expenses are reasonable and necessary, what is the maximum the insurer will pay under medical payments coverage?
- A) $9,000 total ($3,000 + $4,000 + $2,000).
- B) $5,000 total, subject to the per-person limit.
- C) $5,000 per person, for a total of $15,000.
- D) $5,000 total, regardless of the number of injured persons.
Show answer & explanation
Answer: A
Medical payments coverage under the PAP applies separately to each injured person, up to the stated limit per person, not as a single aggregate shared by everyone hurt in the accident. Since the insured's $3,000, Passenger A's $4,000, and Passenger B's $2,000 are each below the $5,000 per-person limit, the insurer pays each person's actual expenses in full: $3,000 + $4,000 + $2,000 = $9,000. Option B and Option D incorrectly treat the limit as a shared pool. Option C incorrectly assumes each person is automatically paid the full $5,000 limit rather than their actual expenses.
Practice Questions 13-18: The Motor Vehicle Financial Responsibility Law
The Motor Vehicle Financial Responsibility Law (75 Pa.C.S. Ch. 17) sits outside the Personal Automobile Policy form itself: the tort election made at issuance and renewal, the required first-party benefit package, the stacking rules for uninsured and underinsured motorists coverage, and the Pennsylvania Assigned Risk Plan for drivers the voluntary market will not take.
Question 13 (Chapter 8)
A Pennsylvania-licensed insurer wants to introduce a new commercial property insurance form. Under 40 P.S. § 510, what must the insurer do before using the form in Pennsylvania?
- A) Submit the form to the NAIC for model law compliance review.
- B) Obtain a certificate of authority specifically for commercial property lines.
- C) File the form with the PID for approval at least 30 days prior to use.
- D) Provide 60 days' notice to all policyholders of the form change.
Show answer & explanation
Answer: C
Under 40 P.S. § 510, an insurer must file insurance policy forms with the Pennsylvania Insurance Department for approval before they can be used in the Commonwealth. There is no requirement to submit forms to the NAIC, obtain a separate certificate of authority for specific lines, or provide notice to policyholders for form approval. The PID reviews the form for compliance with state law and regulations.
Question 14 (Chapter 8)
Under the Pennsylvania Motor Vehicle Financial Responsibility Law (75 Pa.C.S. § 1705), when must a named insured make their tort election (full or limited tort)?
- A) At the time of each claim submission.
- B) Annually, on the policy renewal date.
- C) Only if they are involved in an accident.
- D) Initially when the policy is issued and at each renewal thereafter.
Show answer & explanation
Answer: D
Under 75 Pa.C.S. § 1705, the tort election (selection of full or limited tort) must be made by the named insured when the policy is initially issued and again at each renewal period. It is not made per claim, not only annually without regard to renewal, and not only after an accident; the election is a policy-level decision made at inception and renewal.
Question 15 (Chapter 8)
Under the Pennsylvania Motor Vehicle Financial Responsibility Law (75 Pa.C.S. § 1705), what is the effect of selecting the limited tort option on a private passenger auto policy?
- A) The insured cannot sue for any damages, economic or non-economic, after an accident.
- B) The insured can only sue for property damage, not bodily injury.
- C) The insured must first exhaust all first-party benefits before suing for any damages.
- D) The insured retains the right to sue for economic damages but is limited in suing for non-economic damages unless a serious injury threshold is met.
Show answer & explanation
Answer: D
Selecting limited tort under 75 Pa.C.S. § 1705 preserves the right to sue for economic damages (e.g., medical expenses, lost wages) but restricts the right to sue for non-economic damages (e.g., pain and suffering) unless the injury meets the statutory serious injury threshold (e.g., death, serious impairment of bodily function). Options A, B, and C misstate the law: economic damages are still recoverable, property damage suits are not barred, and first-party benefits do not need to be exhausted before suing under limited tort.
Question 16 (Chapter 8)
What is the primary purpose of the Pennsylvania Assigned Risk Plan (75 Pa.C.S. §§ 1741-1744)?
- A) To subsidize auto insurance premiums for low-income drivers.
- B) To investigate and prosecute insurance fraud related to auto claims.
- C) To provide auto insurance to drivers who are unable to obtain coverage in the voluntary market.
- D) To set minimum auto insurance rates for all drivers in Pennsylvania.
Show answer & explanation
Answer: C
The Pennsylvania Assigned Risk Plan exists to provide auto insurance to drivers who are unable to obtain coverage through the voluntary market due to poor driving records, inexperience, or other high-risk factors. It does not subsidize premiums, investigate fraud, or set minimum rates for all drivers.
Question 17 (Chapter 8)
A Pennsylvania auto policyholder is injured in an accident and seeks to stack uninsured motorist (UM) coverage from two vehicles they own, both insured under separate policies. Under 40 P.S. § 2000 and 75 Pa.C.S. §§ 1731 et seq., is stacking permitted in this scenario?
- A) Yes, stacking is permitted by default unless the policyholder signed a written waiver of stacking in exchange for a reduced premium
- B) Yes, but only if the policyholder has selected the full tort option
- C) No, stacking is prohibited unless both vehicles are covered under a single policy
- D) No, because UM coverage cannot be stacked under any circumstances in Pennsylvania
Show answer & explanation
Answer: A
Under 75 Pa.C.S. § 1738, uninsured and underinsured motorist limits stack by default across the vehicles an insured owns, both within one policy and across separate policies, unless the named insured signs the statutory waiver of stacking and takes the lower premium. B is wrong because the tort election affects the right to sue for non-economic damages, not stacking. C invents a single-policy condition. D is wrong because stacking is the default, not a prohibited practice.
Question 18 (Chapter 8)
Under the Pennsylvania Motor Vehicle Financial Responsibility Law (75 Pa.C.S. §§ 1731-1738), what is the effect of selecting stacked uninsured/underinsured motorist (UM/UIM) coverage on the limits available for a claim?
- A) The limits are added together from all vehicles insured under the same policy
- B) The limits remain the same as the highest single vehicle's UM/UIM limit
- C) The limits are multiplied by the number of vehicles insured under the same policy
- D) Stacking doubles the limit regardless of the number of vehicles
Show answer & explanation
Answer: A
Under Pennsylvania law (40 P.S. § 2000 and 75 Pa.C.S. §§ 1731-1738), when stacked UM/UIM coverage is selected, the limits for each vehicle insured under the same policy are added together to determine the total available limit for a claim. For example, two vehicles with $100,000 limits each provide $200,000 in stacked coverage. Option B is incorrect because limits do not remain static. Option C is incorrect because limits are added, not multiplied. Option D is incorrect because stacking does not simply double the limit; it depends on the number of vehicles and their respective limits.
The Personal Auto Mistakes That Cost Marks
Treating an excluded driver as covered because they had permission. Permissive use makes most drivers an insured, but a driver excluded by name on the declarations is not covered even with the named insured's consent — the exclusion overrides permissive use rather than the other way around.
Mixing up collision and comprehensive for the same loss. Collision covers impact with another vehicle or object, including a pothole and an upset or rollover regardless of what caused it. Comprehensive covers everything else — fire, falling objects, vandalism, and collision with an animal such as a deer. The exam tests this boundary with scenarios designed to look like the other coverage.
Applying medical payments or liability limits as a single pool. Medical payments coverage applies separately to each injured person up to the stated limit; split liability limits are per person and per accident, not a single number divided among claimants. Stopping at the per-accident figure without checking the per-person cap first is the most common arithmetic error on this section.
Assuming the tort election is a one-time choice. Under 75 Pa.C.S. §1705, the named insured selects full or limited tort when the policy is issued and again at each renewal, not once for the life of the policy.
Treating UM/UIM stacking as automatic. Stacking of uninsured and underinsured motorists coverage applies only when multiple vehicles are insured under the same policy; it is not available across separate policies, and the stacked limits are added together rather than multiplied.
Forgetting that first-party benefits are capped at the stated limit. An insurer's obligation under 75 Pa.C.S. §§1711-1725 stops at the policy's stated first-party benefit limit; the policyholder may seek additional reimbursement elsewhere, but the insurer does not have to pay medical expenses beyond that limit.
Your Next Step
How did you score?
- 16 or more correct (89%+): You have this section covered. Move to Pennsylvania P&C law, where the Unfair Insurance Practices Act, the FAIR Plan and the Workers' Compensation Act live, and then the 25-question sample for a check across the whole exam.
- 11-15 correct: You are close but not secure on a topic that spans both the policy form itself and a separate set of Pennsylvania statutes. Note whether you missed the Personal Automobile Policy questions or the Motor Vehicle Financial Responsibility Law questions, and re-listen to that part of chapter 3 or chapter 8 before retesting.
- Under 11 correct: Start with chapter 3 of the LanePrep Pennsylvania course and work through the policy form before adding the Motor Vehicle Financial Responsibility Law statutes on top of it.
Chapters 1 and 9 are free at /pa/p-and-c/preview — the full audio and the quiz, no signup. For a full-length timed run, try the practice exam.
Exam format and content weighting come from the PSI content outline Series 16-06 Property and Casualty, in force from 2026-03-01. Read October 2026.
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