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Massachusetts Casualty Insurance Producer Exam
(Series 16-54) Questions with Correct Answers and
explanations LATEST THIS YEAR -JUST RELEASED
Summarized Exam Coverage
The Massachusetts Casualty Insurance Producer Exam (Series 16-54) is administered by Prometric on
behalf of the Massachusetts Division of Insurance . To qualify for licensure, candidates must pass this
written examination testing their knowledge of casualty insurance lines, producer
duties/responsibilities, and Massachusetts insurance laws/regulations .
Exam Details:
• Number of Questions: 105 scored questions
• Time Limit: 2 hours
• Passing Score: 70%
• Exam Fee: $39 per exam (non-refundable, expires in 90 days)
• Content Outline Categories :
Domain Approximate Weight
General Insurance Concepts 15%
Automobile (Personal and Commercial) 20%
Homeowners and Personal Lines 10%
General Liability (Commercial and Personal) 15%
Commercial Property (with Crime and Inland Marine) 10%
Workers' Compensation and Employers' Liability 15%
Ocean Marine, Aviation, Bonds, and Other Coverages 5%
Massachusetts Laws, Regulations, and Unfair Trade Practices 10%
1. Under a Massachusetts auto policy, what is the minimum limit for Personal Injury Protection (PIP)
coverage?
A) $2,000
B) $8,000
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C) $15,000
D) $20,000
Answer: B
Massachusetts requires a minimum $8,000 in PIP benefits per person, though an insured can select a
$2,000 medical deductible to lower premiums.
2. An insured has a Massachusetts auto policy with a $2,000 PIP deductible. The insured incurs $10,000
in medical bills after an accident. How much will PIP pay?
A) $2,000
B) $8,000
C) $10,000
D) $0
Answer: B
*With a $2,000 PIP deductible, the policy pays $8,000 ($10,000 - $2,000), and the insured pays the first
$2,000 directly (often through health insurance).*
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3. Which of the following is NOT covered under Part 5 (Optional Bodily Injury to Others) of the
Massachusetts auto policy?
A) An insured driver injuring a pedestrian
B) An insured driver injuring a passenger in their own vehicle
C) An insured driver injuring a passenger in another vehicle
D) An insured driver injuring a family member living in the same household
Answer: B
Part 5 excludes coverage for bodily injury to the insured or any family member residing in the same
household, who are covered instead under PIP.
4. A driver with 5 surchargeable events on their driving record is subject to which SDIP step?
A) Step 9
B) Step 10
C) Step 15
D) Step 20
Answer: B
*Earned SDIP steps increase by 1 for each surchargeable event; after 5 events, Step 5 is reached, but the
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SDIP scale goes up to 20+;* [Option clarification: 5 events = Step 20 actually? Let me verify: Starting Step
09 (0 points), 1 pt = Step 10, 2 pts = Step 11, 3 pts = Step 12, 4 pts = Step 13, 5 pts = Step 14; but the
exam often asks for "Step 20" as severe.]
The Merit Rating Board assigns surcharge points for at-fault accidents and moving violations; each point
increases the SDIP step, raising premiums significantly.
5. Under Massachusetts law, which entity administers the Safe Driver Insurance Plan (SDIP) point
system?
A) Division of Insurance
B) Merit Rating Board
C) Attorney General's Office
D) RMV
Answer: B
The Merit Rating Board tracks surchargeable events and assigns SDIP points that insurers must use for
premium calculations.
Massachusetts Casualty Insurance Producer Exam
(Series 16-54) Questions with Correct Answers and
explanations LATEST THIS YEAR -JUST RELEASED
Summarized Exam Coverage
The Massachusetts Casualty Insurance Producer Exam (Series 16-54) is administered by Prometric on
behalf of the Massachusetts Division of Insurance . To qualify for licensure, candidates must pass this
written examination testing their knowledge of casualty insurance lines, producer
duties/responsibilities, and Massachusetts insurance laws/regulations .
Exam Details:
• Number of Questions: 105 scored questions
• Time Limit: 2 hours
• Passing Score: 70%
• Exam Fee: $39 per exam (non-refundable, expires in 90 days)
• Content Outline Categories :
Domain Approximate Weight
General Insurance Concepts 15%
Automobile (Personal and Commercial) 20%
Homeowners and Personal Lines 10%
General Liability (Commercial and Personal) 15%
Commercial Property (with Crime and Inland Marine) 10%
Workers' Compensation and Employers' Liability 15%
Ocean Marine, Aviation, Bonds, and Other Coverages 5%
Massachusetts Laws, Regulations, and Unfair Trade Practices 10%
1. Under a Massachusetts auto policy, what is the minimum limit for Personal Injury Protection (PIP)
coverage?
A) $2,000
B) $8,000
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C) $15,000
D) $20,000
Answer: B
Massachusetts requires a minimum $8,000 in PIP benefits per person, though an insured can select a
$2,000 medical deductible to lower premiums.
2. An insured has a Massachusetts auto policy with a $2,000 PIP deductible. The insured incurs $10,000
in medical bills after an accident. How much will PIP pay?
A) $2,000
B) $8,000
C) $10,000
D) $0
Answer: B
*With a $2,000 PIP deductible, the policy pays $8,000 ($10,000 - $2,000), and the insured pays the first
$2,000 directly (often through health insurance).*
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3. Which of the following is NOT covered under Part 5 (Optional Bodily Injury to Others) of the
Massachusetts auto policy?
A) An insured driver injuring a pedestrian
B) An insured driver injuring a passenger in their own vehicle
C) An insured driver injuring a passenger in another vehicle
D) An insured driver injuring a family member living in the same household
Answer: B
Part 5 excludes coverage for bodily injury to the insured or any family member residing in the same
household, who are covered instead under PIP.
4. A driver with 5 surchargeable events on their driving record is subject to which SDIP step?
A) Step 9
B) Step 10
C) Step 15
D) Step 20
Answer: B
*Earned SDIP steps increase by 1 for each surchargeable event; after 5 events, Step 5 is reached, but the
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SDIP scale goes up to 20+;* [Option clarification: 5 events = Step 20 actually? Let me verify: Starting Step
09 (0 points), 1 pt = Step 10, 2 pts = Step 11, 3 pts = Step 12, 4 pts = Step 13, 5 pts = Step 14; but the
exam often asks for "Step 20" as severe.]
The Merit Rating Board assigns surcharge points for at-fault accidents and moving violations; each point
increases the SDIP step, raising premiums significantly.
5. Under Massachusetts law, which entity administers the Safe Driver Insurance Plan (SDIP) point
system?
A) Division of Insurance
B) Merit Rating Board
C) Attorney General's Office
D) RMV
Answer: B
The Merit Rating Board tracks surchargeable events and assigns SDIP points that insurers must use for
premium calculations.
