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199+ Free PA Property & Casualty Practice Questions

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Which state agency is responsible for regulating insurance companies and producers in Pennsylvania?

A
B
C
D
to track
2026 Statistics

Key Facts: PA Property & Casualty Exam

54%

Est. First-Time Pass Rate

PA Ins. Dept. 2024

150 Q

Exam Questions

PA Ins. Dept.

24 hrs

Pre-License Education

Required

15/30/5

Auto Minimums

PA Code

$300K

Guaranty Assoc. Limit

Per claim

$48

Exam Fee

PSI

Pennsylvania's P&C exam has an estimated 54% first-time pass rate. Pennsylvania is a choice no-fault state — drivers can choose full tort or limited tort for auto insurance. The state requires 24 hours of pre-license education, 150 questions in 2.5 hours, and 70% to pass. PA's Insurance Guaranty Association provides $300,000 per claim coverage. Workers compensation is mandatory for most employers.

Sample PA Property & Casualty Practice Questions

Try these sample questions to test your PA Property & Casualty exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 199+ question experience with AI tutoring.

1Which state agency is responsible for regulating insurance companies and producers in Pennsylvania?
A.Pennsylvania Insurance Commission
B.Pennsylvania Department of Insurance (PA DOI)
C.Pennsylvania Bureau of Insurance Regulation
D.Pennsylvania Department of Finance, Insurance Division
Explanation: The Pennsylvania Department of Insurance (PA DOI), known officially as the Pennsylvania Insurance Department, is the state agency responsible for regulating all insurance activities. It is headed by the Insurance Commissioner, who is appointed by the Governor. The other agencies listed do not exist as named.
2How is the Pennsylvania Insurance Commissioner selected?
A.Elected by popular vote in a statewide election
B.Appointed by the Governor
C.Appointed by the Pennsylvania Legislature
D.Selected by a board of insurance industry representatives
Explanation: In Pennsylvania, the Insurance Commissioner is appointed by the Governor and serves at the Governor's pleasure. Unlike some states where the insurance commissioner is elected, Pennsylvania's commissioner is a gubernatorial appointee. The Legislature and industry representatives have no role in the selection process.
3How many hours of pre-licensing education must a candidate complete before taking the Pennsylvania property and casualty insurance producer exam?
A.16 hours
B.20 hours
C.24 hours
D.40 hours
Explanation: Pennsylvania requires 24 hours of approved pre-licensing education before a candidate can sit for the property and casualty insurance producer licensing exam. This education must be completed through a Pennsylvania-approved education provider and covers general property and casualty insurance concepts as well as Pennsylvania-specific insurance law.
4How many hours of continuing education (CE) must a Pennsylvania property and casualty insurance producer complete per biennial renewal period?
A.12 hours
B.20 hours
C.24 hours
D.30 hours
Explanation: Pennsylvania requires licensed property and casualty insurance producers to complete 24 hours of approved continuing education every two-year (biennial) renewal period. This must include at least 3 hours of ethics education. Failure to complete the required CE hours before the renewal date can result in license suspension or non-renewal.
5Within how many days must a Pennsylvania insurance producer notify the Insurance Department of an address change?
A.10 days
B.30 days
C.45 days
D.60 days
Explanation: Pennsylvania insurance law requires producers to notify the Insurance Department within 30 days of any change in their business or home address. Failure to provide timely notification can result in administrative action against the producer's license. This requirement ensures the Department can maintain current contact information for all licensed producers.
6Which of the following is a requirement for obtaining a temporary insurance producer license in Pennsylvania?
A.The applicant must pass the licensing exam within 30 days
B.It may be issued due to the death or disability of an existing producer, for a period not to exceed 180 days
C.Temporary licenses are not available in Pennsylvania
D.The applicant must have at least 2 years of industry experience
Explanation: Pennsylvania may issue a temporary insurance producer license for up to 180 days in certain circumstances, such as the death, disability, or military deployment of an existing licensed producer. The temporary license allows the designee to manage the producer's existing business. It is not a substitute for completing the pre-licensing education and passing the licensing exam.
7Under Pennsylvania law, which of the following actions would be grounds for the Insurance Commissioner to revoke a producer's license?
A.Failing to attend an industry conference
B.Using a trade name not approved by the Department
C.Being convicted of a felony involving dishonesty or breach of trust
D.Changing insurance agencies without prior Department approval
Explanation: A conviction for a felony involving dishonesty or breach of trust is one of the most serious grounds for license revocation under Pennsylvania insurance law. This aligns with the NAIC model language adopted by Pennsylvania. Failing to attend conferences and changing agencies without approval are not grounds for revocation, though using an unapproved trade name could be a lesser violation.
8In Pennsylvania, how many hours of the biennial continuing education requirement must be dedicated to ethics?
A.2 hours
B.3 hours
C.4 hours
D.6 hours
Explanation: Of the 24 hours of biennial continuing education required in Pennsylvania, at least 3 hours must be specifically dedicated to ethics. This ensures that producers maintain knowledge of ethical standards, unfair trade practices, and professional conduct requirements throughout their careers.
9The Pennsylvania Insurance Department has the authority to do all of the following EXCEPT:
A.Examine the financial affairs of domestic insurance companies
B.Approve or disapprove insurance policy forms filed by insurers
C.Directly set premium rates for all property and casualty insurance lines
D.Impose fines and penalties for violations of the Insurance Code
Explanation: While the Pennsylvania Insurance Department has broad regulatory authority including examining insurer finances, approving policy forms, and imposing penalties, it does not directly set premium rates for all lines. Pennsylvania uses a file-and-use or prior-approval system depending on the line of insurance, where insurers propose rates and the Department reviews them for adequacy, fairness, and non-discrimination. The Department can disapprove rates that are excessive, inadequate, or unfairly discriminatory.
10A Pennsylvania insurance producer who allows their license to lapse may reinstate it without re-examination if they apply within what time frame?
A.6 months of lapse
B.12 months of lapse
C.24 months of lapse
D.Reinstatement without re-examination is never permitted
Explanation: In Pennsylvania, a producer whose license has lapsed may apply for reinstatement within 12 months without having to retake the licensing exam, provided they pay any applicable late fees and complete any outstanding continuing education requirements. After 12 months, the producer would need to apply as a new applicant and meet all initial licensing requirements, including passing the exam again.

About the PA Property & Casualty Exam

The Pennsylvania property and casualty insurance exam covers PA Insurance Department licensing requirements, Pennsylvania Insurance Code, the choice no-fault auto system, homeowners coverage, commercial insurance, workers compensation, and Pennsylvania-specific consumer protections including the PA Property Insurance Association (FAIR Plan) and the PA Insurance Guaranty Association.

Questions

150 scored questions

Time Limit

2 hours 30 minutes

Passing Score

70%

Exam Fee

$48 (Pennsylvania Insurance Department / PSI)

PA Property & Casualty Exam Content Outline

25%

PA Insurance Dept. & Licensing

PA Insurance Dept. licensing, 24 hrs pre-license education, license types, appointment, CE (24 hrs/2 yrs)

25%

PA Property Insurance

Homeowners, PA FAIR Plan (Property Insurance Association), commercial property, flood

25%

PA Casualty/Auto Insurance

PA choice no-fault, full tort vs. limited tort, 15/30/5 minimums, workers compensation

25%

PA Ethics & Practices

PA Insurance Code, unfair practices, Guaranty Association, producer conduct, penalties

How to Pass the PA Property & Casualty Exam

What You Need to Know

  • Passing score: 70%
  • Exam length: 150 questions
  • Time limit: 2 hours 30 minutes
  • Exam fee: $48

Keys to Passing

  • Complete 500+ practice questions
  • Score 80%+ consistently before scheduling
  • Focus on highest-weighted sections
  • Use our AI tutor for tough concepts

PA Property & Casualty Study Tips from Top Performers

1Master PA choice no-fault system — full tort vs. limited tort differences
2Know PA 15/30/5 auto minimums and $5,000 first-party medical benefits
3Understand PA FAIR Plan (Property Insurance Association) for high-risk properties
4Learn PA workers compensation mandatory coverage rules and medical provider panels
5Study PA Insurance Guaranty Association $300K per claim limit

Frequently Asked Questions

How hard is the Pennsylvania property and casualty insurance exam?

The PA P&C exam has an estimated 54% first-time pass rate with 150 questions in 2.5 hours, requiring 70% to pass. Pennsylvania's unique choice no-fault auto system (full tort vs. limited tort) is heavily tested.

How does Pennsylvania's choice no-fault auto insurance work?

Pennsylvania allows drivers to choose between full tort and limited tort. Full tort allows unlimited right to sue for pain and suffering. Limited tort limits the right to sue to 'serious injury' but has lower premiums. Minimum coverage is 15/30/5 with first-party medical benefits of $5,000.

What is the PA Property Insurance Association (FAIR Plan)?

The PA Property Insurance Association provides property insurance to property owners who cannot obtain coverage in the voluntary market. It covers dwelling fire and extended coverage. All property insurers in PA must participate in the plan proportionally to their market share.

Is workers compensation required in Pennsylvania?

Yes, workers compensation insurance is mandatory for nearly all Pennsylvania employers. PA uses a no-fault system for workplace injuries. The state has unique provisions including 90-day waiting period for new hires under employer panel requirements for medical providers.