According to the manual, what type of automobile insurance must you maintain on your registered vehicle in Pennsylvania?
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A.
Comprehensive insurance
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B.
Uninsured motorist insurance
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C.
Liability insurance Correct
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D.
Collision insurance
The answer is "Liability insurance"
Pennsylvania state law requires you to maintain automobile liability insurance on your registered vehicle at all times. The pull of D is the assumption that the coverage which repairs your own bumper after a crash must be the state-mandated one, since that is the type most drivers think of first.
The traps in the wrong answers
A. Comprehensive insurance
Comprehensive covers theft, fire, weather, and other non-collision damage to your own vehicle and is not the coverage Pennsylvania law compels every registered vehicle to carry. This answer mistakes the coverage a lender requires on a financed car for the coverage the state requires on every registered vehicle.
B. Uninsured motorist insurance
Uninsured motorist coverage pays you back when another driver hits you without insurance and is not the mandate the manual states. This answer reads the section heading 'Driving Without Insurance' and picks the coverage type that shares the word 'uninsured.'
D. Collision insurance
Collision pays for damage to your own vehicle in a crash and is not what state law compels you to carry on a registered vehicle. This answer assumes the coverage that repairs your own bumper after a crash must be the state-mandated one, because that is the coverage most drivers think of first.
This question tests your knowledge of Insurance & Financial Responsibility in Pennsylvania. Source: Pennsylvania Driver Manual, "Driving Without Insurance," p.80..
Related Pennsylvania questions
- How long may your vehicle be without insurance before PennDOT will suspend your registration? →
- PennDOT determines that your vehicle went uninsured for more than 31 days. How long will your vehicle registration be suspended? →
- You operated your vehicle while it had no insurance coverage. In addition to the registration suspension, what happens to your driving privilege? →
- Your driving privilege and registration were suspended for an insurance lapse. According to the manual, what must you submit to have both restored? →
- You are getting ready to take the Non-Commercial Road Test. What must you present to the examiner regarding the vehicle you plan to drive? →
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