Free Pennsylvania Property & Casualty Practice Exam 2026

Pennsylvania property and casualty insurance exam sample questions and answers

6 of the 150 practice questions, one from each topic, with the answer explained.

1. 1. PennDOT finds a vehicle was registered without the required financial responsibility. The usual sanction is a registration suspension of:

   • A.One year
   • B.Three months
   • C.One month
   • D.Six months

   Answer: B. 75 Pa.C.S. 1786(d)(1) requires a three-month registration suspension, and a three-month suspension of operating privilege if the owner drove or allowed driving without coverage. A lapse under 31 days with no driving is excused.

2. 2. Under the commercial crime forms, 'robbery' means:

   • A.Any theft of money
   • B.Taking property from the premises by forcible entry leaving visible marks
   • C.Taking property by trick or deceit
   • D.Taking property from a person by force or threat

   Answer: D. Robbery requires a person to be present and threatened or harmed. Forcible entry with marks is burglary, and taking by trick is theft but not robbery.

3. 3. A retired producer let her license expire. Her former agency may still pay her:

   • A.Renewals on her past sales
   • B.Commissions on new sales
   • C.Fees for quoting new clients
   • D.Bonuses on this year's sales

   Answer: A. Section 672-A(b)(1) allows renewal or other deferred commissions to a person who is no longer licensed if she was licensed when the sale was made, unless her license was revoked. Paying an unlicensed person for new sales is prohibited.

4. 4. A homeowner receives a notice of cancellation. To have the Insurance Commissioner review it, she must request review in writing within:

   • A.30 days of receipt
   • B.60 days of receipt
   • C.10 days of receipt
   • D.5 days of receipt

   Answer: C. Section 5(a)(9)(iv) of the Unfair Insurance Practices Act and 31 Pa. Code 59.6(7) give the insured ten days from receipt of the notice to ask the commissioner in writing to review the insurer's action.

5. 5. After a Pennsylvania commercial claims-made policy is canceled or nonrenewed, the insured may buy extended reporting (tail) coverage within:

   • A.90 days
   • B.10 days
   • C.60 days
   • D.30 days

   Answer: C. Section 5 of Act 86 of 1986 requires insurers to allow 60 days after a claims-made policy is canceled or nonrenewed to buy an extended reporting endorsement, effective as of the date the policy ended.

6. 6. A Pennsylvania pet insurance buyer may return the policy for a full refund within 30 days of receipt unless:

   • A.She has already filed a claim
   • B.The premium was paid yearly
   • C.The pet is over 10 years old
   • D.The policy has a wellness rider

   Answer: A. 40 Pa.C.S. 4704 (Act 19 of 2024) lets a pet insurance buyer return the policy within 30 days of receipt for a refund paid within 30 days, voiding it from the start, except when the insured has filed a claim under the policy.