Free Personal Automobile Policy Practice Questions
Utah Casualty exam (series 17-23) — 103 practice questions.
Subtopics: Minimum liability limits, Combined single limit, Prior minimum limits, Rental fleet limits, Required components, PIP exempt vehicles, Insurance card, PIP medical minimum, PIP lost income, PIP household services, PIP death and funeral, PIP deductibles, PIP waiting period, PIP suit deadline, PIP pedestrians, PIP territory, Tort threshold, Tort threshold dollars, Threshold and UM, PIP exclusions, PIP and workers comp, PIP primary policy, Overdue PIP, PIP reimbursement, UM default limits, UM minimum limits, Hit-and-run, Disputed coverage as UM, UM arbitration, UIM definition, UIM stacking on liability, UIM household vehicles, Named driver exclusion, Excluded driver at fault, Permissive users, Liability territory, Resident relatives, Sudden medical emergency, Rescission and third parties, Owner security requirement, Nonresident owners, Driving uninsured, Repeat uninsured offense, SR-22, Proof duration, UMID reporting, Assigned risk plan, Credit information, Comparative fault, Proportionate fault, Total loss settlement, Steering third parties, Deductible recovery, Citations and claims, Policy limits disclosure, Persons insured, Physical damage, Uninsured motorists, Medical payments, PAP structure, Your covered auto, Newly acquired auto, Family member, You and your, Part A exclusions, Supplementary payments, Out of state coverage, Other insurance, Part B medical payments, Part C uninsured motorists, Underinsured motorists, Part D collision vs OTC, Part D transportation expenses, Part D nonowned auto, Part D exclusions, Part D limit of liability, Part D appraisal, Part E duties, Policy territory, Part F termination, Part F two-or-more autos, Auto financial responsibility, No-fault concepts, Auto insurance plans, Part D coverage
Read the Personal Automobile Policy study guide
Sample questions & answers
1. For a Utah auto liability policy issued or renewed on or after January 1, 2025, the minimum split limits are:
$30,000 / $65,000 / $25,000
Utah Code 31A-22-304(2) sets minimums of $30,000 per person and $65,000 per accident for bodily injury and $25,000 for property damage on policies issued or renewed on or after January 1, 2025.
2. Instead of split limits, a Utah auto policy issued or renewed in 2026 may satisfy the minimum liability requirement with a single limit per accident of at least:
$90,000
Utah Code 31A-22-304(2)(b) allows $90,000 in any one accident for bodily injury and property damage combined for policies issued or renewed on or after January 1, 2025.
3. A Utah auto policy was last renewed on December 1, 2024 and runs a full year. Its minimum property damage liability limit is:
$15,000
Under 31A-22-304(1), policies issued or renewed on or before December 31, 2024 had minimums of 25/65/15; the 30/65/25 minimums apply to policies issued or renewed on or after January 1, 2025.
4. Under Utah law, which policy may still carry minimum limits of 25/65/15 after January 1, 2025?
A policy for a self-insured, private rental fleet
Utah Code 31A-22-304(3) sets 25/65/15 (or $80,000 single limit) minimums for a policy for a self-insured, private rental fleet.
Practice: Personal Automobile Policy
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
