4 HRs Personal Auto and Umbrella Insurance - Pennsylvania

4 HRs Personal Auto and Umbrella Insurance - Pennsylvania

✅ Approved by Pennsylvania Insurance Department | Provider #156967 | Course #140036 | Only $19.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 4 approved hours toward your Pennsylvania insurance licence continuing education with a course approved by the Pennsylvania Insurance Department for only $19.99. The hours apply to the 24 credit hours Pennsylvania requires in each two-year licence period, and you can enrol online and work through the course on your own schedule.

The course is 100% online and self-paced. Pennsylvania places no cap on self-study, so all 4 hours count in full. Log in and out as often as you need without losing progress. Your certificate is emailed the moment you finish, and 1st Choice CE reports your completion to the Pennsylvania Insurance Department.

✅ Course Details

• Course name: 4 HRs Personal Auto and Umbrella Insurance
• Approved by: Pennsylvania Insurance Department
• Provider number: 156967
• Course number: 140036
• Course length: 4 hours
• Course category: Property & Casualty
• Course format: 100% online, self-paced
• Price: $19.99 — no added or hidden fees
• Certificate: emailed immediately after completion
• Reporting: 1st Choice CE reports your completion to the Pennsylvania Insurance Department
• Page URL: https://1stchoice-ce.com/courses/checkout/pennsylvania/4-hrs-personal-auto-umbrella-pennsylvania/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Course?

• Licensed property and casualty agents and producers
• Personal lines producers who quote and service auto policies
• Agents who explain uninsured and underinsured motorist options to clients
• Producers who recommend personal umbrella coverage
• Agency staff who handle household driver and vehicle changes
• Agents who need property and casualty credit toward Pennsylvania's renewal total

✅ Does This Course Satisfy the State Requirement?

This course provides 4 approved hours toward the 24 credit hours a Pennsylvania resident producer must complete in each two-year licence period. It does not satisfy the requirement on its own, and it is general credit – it does not count toward the 3 hours of ethics that Pennsylvania also requires.

Pennsylvania places no cap on self-study or online hours, so all 4 hours count in full. After this course you will need the balance of your 24 hours, including the 3-hour ethics requirement, from separately approved courses.

✅ Pennsylvania Continuing Education Requirements

Pennsylvania requires 24 credit hours of approved continuing education in each two-year licence term, and since 29 April 2025 at least 3 of those hours must cover ethics. Producers licensed before that date had until 29 April 2026, or the end of their current licence period if later, to bring the ethics hours in. The ethics hours count inside the 24 rather than on top of them.

• 24 credit hours of approved continuing education in each two-year licence term
• At least 3 of the 24 must be ethics
• Property & Casualty licensees must also complete at least 2 hours on flood insurance
• Licences renew every two years on the producer's birthday
• Up to 24 hours may be carried over into the next licence term
• The same course cannot be repeated for credit inside one two-year period

Two product gates sit outside the general requirement. Producers selling long-term care must complete an initial 8-hour training course and a 4-hour refresher each period after that. Producers licensed after 20 June 2022 who sell annuities must complete a 4-hour Annuity Best Interest course. Nonresident producers are exempt from Pennsylvania's continuing education requirement entirely, as are licensees holding only limited lines or surplus lines authority. Failing to complete the minimum results in the voluntary termination of the licence.

How this course helps: This 4-hour course contributes 4 of the 24 credit hours required in each two-year licence period. It is general credit, so it does not count toward the 3-hour ethics requirement. The balance of your 24 hours must be completed separately.

✅ When Do Licensees Renew?

Pennsylvania producer licences run on a two-year term and renew on the producer's birthday. Continuing education must be complete before you renew – the Department will not process a renewal for a licensee who has not met the requirement, and failing to complete it results in the voluntary termination of the licence. Confirm your own expiration date on your licence record rather than assuming a calendar deadline.

✅ How to Renew Your Pennsylvania License

1. Confirm your licence expiration date and your lines of authority. Pennsylvania renews on your birthday, every second year.
2. Work out what you still owe: 24 hours in total, at least 3 of them ethics, plus at least 2 hours of flood if you hold Property & Casualty authority.
3. Check whether a product gate applies – the 8-hour initial and 4-hour ongoing long-term care training, or the 4-hour Annuity Best Interest course if you were licensed after 20 June 2022 and sell annuities.
4. Complete your hours from courses individually approved in Pennsylvania. Each course requires progressive completion by topic, study quizzes passed at 70 percent, and a certificate exam passed at 70 percent.
5. Allow reporting time. Certificates process within two business days and are reported to the state in the same window, but do not leave it to the final days.
6. Check your transcript through Sircon and confirm the ethics and flood hours posted in the right categories rather than as general credit.
7. Renew your licence and confirm it shows active with an updated expiration date.

Pennsylvania allows up to 24 hours of carryover into the next licence term, so finishing early is not wasted the way it is in a no-carryover state. A course still cannot be repeated for credit inside the same two-year period.

✅ What You Will Learn

• Apply the personal auto policy definitions that decide who and what is covered
• Explain split and combined single liability limits and the insurer's defense obligation
• Handle permissive use, resident relatives and household driver questions correctly
• Compare uninsured and underinsured motorist coverage and explain why it matters
• Distinguish comprehensive from collision and set client expectations on each
• Show a client what a personal umbrella actually sits above and where it will not respond

✅ Course Content Overview

Hour 1 – Personal Auto Policy Foundations and Liability Coverage

Personal auto policy structure and the key definitions — covered auto, insured, family member and newly acquired vehicle — that decide who and what is protected. Covers liability coverage and its exclusions, the difference between split limits and a combined single limit, and claim scenario practice that shows how the definitions control the outcome.

Hour 2 – First-Party Auto Coverages: UM/UIM, PIP/MedPay and Physical Damage

Uninsured and underinsured motorist coverage, including stacking, rejection requirements and how limits interact with the at-fault driver's policy. Covers personal injury protection and medical payments coverage, the difference between comprehensive and collision, and case studies applying all of it to real loss situations.

Hour 3 – Endorsements, Special Exposures and Policy Customization

The endorsements agents use most, and the driver and vehicle exposures that require them — youthful and excluded drivers, business use, trailers, motorcycles, classic and custom vehicles. Covers underwriting and rating considerations, and how to customize a policy so it matches the household as it actually is rather than as it was written.

Hour 4 – Personal Umbrella Liability: How It Works, When It Responds and Compliance

Umbrella policy fundamentals and what an umbrella is and is not. Covers the triggers, required underlying limits, self-insured retention concepts and the common exclusions; the high-severity liability scenarios that make an umbrella essential; and the sales practices and documentation expectations that apply when an umbrella is offered or declined.

✅ Other Pennsylvania Insurance CE Courses & Packages

Save with a package – everything in one purchase:

• 24-Hour Life and Health CE Package - Pennsylvania – $69.99
• 24-Hour Property and Casualty CE Package - Pennsylvania – $69.99

Individual Pennsylvania insurance CE courses:

• 3 Hour Ethics for Insurance Agents - Pennsylvania – $19.99
• 3 HRs Emerging Risks and Specialty Coverages - Pennsylvania – $19.99
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) - Pennsylvania – $19.99
• 3-Hour Flood Insurance (NFIP) - Pennsylvania – $19.99
• 4 HRs Commercial Lines Insurance Essentials - Pennsylvania – $19.99
• 4 HRs Health Insurance and Affordable Care Act Updates - Pennsylvania – $19.99
• 4 HRs Homeowners Insurance Overview - Pennsylvania – $19.99
• 4 HRs Medicare Advantage and Part D Update - Pennsylvania – $19.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training - Pennsylvania – $19.99
• 4-Hour Annuity Best Interest/Suitability - Insurance Agent CE- Pennsylvania – $19.99
• 5 HRs Life Insurance Products and Retirement Planning - Pennsylvania – $19.99
• 8 Hours Initial Long-Term Care Insurance Partnership Training - Pennsylvania – $39.99

All courses are Pennsylvania-approved, 100% online and self-paced, with your certificate emailed as soon as you finish. Questions? Call or text 1-800-698-2770.

✅ Why Choose 1st Choice CE?

• Approved provider and approved course in Pennsylvania
• Affordable at $19.99
• 100% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate
• We report your completion for you
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in 4 HRs Personal Auto and Umbrella Insurance for $19.99 and complete your 4 approved hours online, on your schedule. Questions before you buy? Call or text 1-800-698-2770.