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Free Pennsylvania Personal Lines Practice Exam Online

Official exam: Personal Lines Insurance Producer (Pennsylvania)

Take a free Pennsylvania Personal Lines practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 135-question bank and the timed simulator are $14.99 for 30 days.

First published: September 2, 2026Bank updated: September 2, 2026Published by CertQuestUSA · review process
TL;DR

Personal Lines Insurance Producer (Pennsylvania): a 135-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 2 full papers of 50 questions each with no repeats, every question written to the regulation it comes from.

Where these questions come from

Every question in this bank cites a source -- primarily iii.org (32%) and iiat.org (23%) of this exam's citations.

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2
full papers, no repeats
50
questions per paper
135
questions in the bank
What this exam covers
5 real sample questions
Under 75 Pa.C.S. § 1731, what must an insurer do regarding uninsured and underinsured motorist (UM/UIM) coverage before a private passenger auto policy can be delivered or issued in Pennsylvania?
A. Offer both UM and UIM coverage to the applicant, though the applicant may reject either or both in writing
B. Automatically include both coverages at limits equal to the state minimum liability limits
C. Include UM coverage only, since UIM coverage is optional and need not be offered
D. Offer UM/UIM coverage only if the applicant specifically requests it in writing first
Show answer and reasoning

Correct answer: A. Offer both UM and UIM coverage to the applicant, though the applicant may reject either or both in writing

  • B: Section 1731 does not make UM/UIM coverage automatic at minimum limits; it must be offered, and the insured may decline it in writing.
  • C: Both UM and UIM coverage must be offered under § 1731; UIM is not exempt from the offer requirement.
  • D: The statute places the offer obligation on the insurer, not on the applicant to request it first.
Source: 75 Pa.C.S. § 1731 (Availability, scope and amount of coverage)
Under 75 Pa.C.S. § 1731(c), which of the following is required for a named insured's rejection of uninsured motorist coverage to be valid?
A. The rejection may be given orally to the producer and later confirmed by the insurer's file notes
B. The rejection must be a signed, dated writing using the statutorily prescribed rejection language
C. The rejection must be printed on a form combined with the limited tort election notice
D. The rejection is valid only if countersigned by every listed driver on the policy
Show answer and reasoning

Correct answer: B. The rejection must be a signed, dated writing using the statutorily prescribed rejection language

  • A: An oral rejection does not satisfy § 1731(c); the statute requires a signed writing.
  • C: Section 1731's UM rejection form is a separate, distinct writing from the § 1705 tort election notice, not a combined form.
  • D: The statute requires the signature of the first named insured, not every listed driver, for the rejection to bind the household.
Source: 75 Pa.C.S. § 1731(c) (Availability, scope and amount of coverage)
An insurer in Pennsylvania uses a UM rejection form that omits the exact statutory rejection language set out in 75 Pa.C.S. § 1731(c). What is the legal effect of that rejection?
A. The rejection is still valid as long as the insured's intent to reject coverage is clear from context
B. The rejection is valid for one policy term only and must be redone at renewal
C. The rejection is void, and UM coverage is deemed to remain in force despite the signed form
D. The rejection becomes the producer's personal liability but does not affect the policy's validity
Show answer and reasoning

Correct answer: C. The rejection is void, and UM coverage is deemed to remain in force despite the signed form

  • A: Pennsylvania courts and the statute require strict, not substantial, compliance with the prescribed rejection language.
  • B: The defect described is not a durational problem; a noncompliant form is void from the outset, not merely time-limited.
  • D: While a noncompliant form can expose the insurer/producer to liability, the immediate statutory effect described in § 1731(c) is that the rejection itself is void, restoring coverage.
Source: 75 Pa.C.S. § 1731(c) (Availability, scope and amount of coverage)
Under 75 Pa.C.S. § 1734, if a named insured does not make a written election otherwise, what UM/UIM limits are conclusively presumed to apply relative to the policy's bodily injury liability limits?
A. UM/UIM limits equal to the Pennsylvania financial responsibility law minimums, regardless of the liability limits purchased
B. No UM/UIM coverage at all until the insured affirmatively requests a specific limit
C. UM/UIM limits set at half of the bodily injury liability limits carried on the policy
D. UM/UIM limits equal to the bodily injury liability limits carried on the policy
Show answer and reasoning

Correct answer: D. UM/UIM limits equal to the bodily injury liability limits carried on the policy

  • A: The default under § 1734 tracks the policy's own bodily injury liability limits, not the separate statutory minimums.
  • B: UM/UIM is not absent by default; § 1731 requires the offer and § 1734 sets the default matching limit absent a differing written request.
  • C: Section 1734 does not impose an automatic 50% reduction; the presumed limit matches the liability limits absent a written election.
Source: 75 Pa.C.S. § 1734 (Request for lower or higher limits of coverage)
A Pennsylvania personal auto policyholder wants UM/UIM limits lower than the bodily injury liability limits shown on the same policy. Under 75 Pa.C.S. § 1734, how must that request be made?
A. By a written request from the named insured specifying the amount of coverage desired
B. By verbal instruction to the producer at the point of sale, which the producer notes in the file
C. It cannot be done; UM/UIM limits can never be set lower than the liability limits in Pennsylvania
D. By the insurer's unilateral decision based on the applicant's credit-based insurance score
Show answer and reasoning

Correct answer: A. By a written request from the named insured specifying the amount of coverage desired

  • B: The statute requires a written request from the named insured, not merely a verbal instruction memorialized by the producer.
  • C: Section 1734 expressly permits a named insured to elect different (including lower) UM/UIM limits than the liability limits, so long as it is a written election.
  • D: Nothing in § 1734 ties the UM/UIM limit election to a credit-based score; the mechanism is the insured's written request.
Source: 75 Pa.C.S. § 1734 (Request for lower or higher limits of coverage)
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (PA)May 2025$73,370/yr

Frequently asked questions

Where can I take a free Pennsylvania Personal Lines practice exam online?
Right here. CertQuestUSA's free Pennsylvania Personal Lines practice exam online is a full 50-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 135-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
How many questions are on the CertQuestUSA Personal Lines Insurance Producer (Pennsylvania) practice test?
135 questions total, split into 2 full papers of 50 each with no repeats across papers.
What topics does the Personal Lines Insurance Producer (Pennsylvania) test cover?
13 domains, with the heaviest weight on Homeowners, Dwelling, Renters, and Condo Coverage (22%), Personal Auto Coverage (19%), and Personal Insurance Contracts and Risk Basics (15%).
Where do CertQuestUSA's Personal Lines Insurance Producer (Pennsylvania) questions come from?
Primarily iii.org (32%) and iiat.org (23%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Personal Lines Insurance Producer (Pennsylvania) practice test?
Yes -- one full 50-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
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