Utah Property & Casualty Insurance License Exam — All Questions

How is Utah's auto insurance system best characterized?

• a.A pure tort state with no first-party benefit requirement
• b.A state with no compulsory auto insurance
• c.A no-fault state that requires personal injury protection (PIP) coverage✓
• d.An assigned-risk-only state

Utah is a no-fault state: drivers must carry personal injury protection (PIP), so minor injury claims are paid first-party regardless of fault, and lawsuits for pain and suffering are limited unless a statutory threshold is met (Utah DMV; Utah Code 31A-22-306 et seq.). Confirm current requirements with the Utah Insurance Department.

What is the minimum personal injury protection (PIP) medical benefit Utah requires on an auto policy?

• a.Not less than $3,000 per person✓
• b.Not less than $10,000 per person
• c.Not less than $25,000 per person
• d.Utah does not require PIP

Under Utah Code 31A-22-307, an auto policy must provide PIP with a minimum medical benefit of not less than $3,000 per person, along with other no-fault benefits. Because figures can change, verify the current PIP minimum with the Utah Insurance Department.

For a Utah auto policy issued or renewed on or after January 1, 2025, what are the minimum bodily-injury and property-damage liability limits?

• a.$25,000 / $50,000 / $10,000
• b.$25,000 / $65,000 / $15,000
• c.$30,000 / $65,000 / $25,000✓
• d.$50,000 / $100,000 / $25,000

Utah Code 31A-22-304 sets minimum limits of $30,000 per person, $65,000 per accident for bodily injury, and $25,000 for property damage (30/65/25) for policies issued or renewed on or after January 1, 2025 (the prior minimums were 25/65/15). Note the distinctive $65,000 per-accident figure. Verify current limits with the Utah Insurance Department.

A Utah driver wants to satisfy the liability requirement with a single combined limit instead of split limits. For policies on or after January 1, 2025, what is that combined single limit?

• a.$80,000
• b.$90,000✓
• c.$65,000
• d.$100,000

Utah Code 31A-22-304 allows a combined single limit of $90,000 for policies issued or renewed on or after January 1, 2025 (it was $80,000 under the earlier limits). Confirm the current figure with the Utah Insurance Department.