Free Personal Auto Policy Practice Questions
Utah Personal Lines exam (series 17-20) — 184 practice questions.
Subtopics: Minimum auto limits, Per-accident aggregate, PIP requirement, Tort threshold, UM and UIM, Financial responsibility, Proof of insurance, Liability coverage, Medical payments, Uninsured motorist, Collision, Comprehensive, Deductible, Duties after loss, Covered auto, Family member, Exclusions, No-fault benefits, Split limits calculation, Combined single limit, Loss settlement, Prior minimum limits, Required components, PIP exempt vehicles, Insurance card, PIP lost income, PIP household services, PIP death and funeral, PIP deductibles, PIP income waiver, PIP pedestrians, Tort threshold dollars, Threshold and UM, PIP exclusions, PIP primary policy, Overdue PIP, UM default limits, UM minimum limits, Hit-and-run, Insolvent insurer as UM, UM arbitration, UM rejection duration, UIM definition, UIM stacking on liability, Named driver exclusion, Excluded driver as passenger, Permissive users, Resident relatives, Rescission and third parties, Owner security requirement, Nonresident owners, Security exemptions, Driving uninsured, Repeat uninsured offense, Proof duration, UMID reporting, Assigned risk plan, Credit information, Comparative fault, Total loss settlement, Steering third parties, Deductible recovery, Loss of use, Citations and claims, Part A liability, Part B medical payments, Part C UM, Part D collision, Other than collision, Covered persons liability, Newly acquired auto, Temporary substitute, Supplementary payments, Liability exclusion intentional, Liability exclusion livery, Split limits, Transportation expenses, Towing and labor, Loss settlement physical damage, Duties after accident, Territory, Covered auto definition, Trailers coverage, Non-owned auto, Rented auto coverage, Glass breakage, Exclusion racing, Exclusion few wheels, Exclusion auto business, Exclusion owned property, Exclusion no reasonable belief, Out of state coverage, Other insurance non-owned, UM dispute resolution, Electronic equipment limit, Appraisal physical damage, No-fault PIP, Right to recover, Collision settlement, Definitions - spouse, Definitions - leased autos, Definitions - family member, Definitions - occupying, Temporary substitute auto, Part A insureds, Part A insuring agreement, Part A exclusions, Ridesharing, Livery exclusion exceptions, Auto business exclusion, Business use exclusion, Reasonable belief exclusion, Vehicle sharing, Fewer than four wheels, Regular use exclusion, Racing exclusion, Flying vehicles, Limit of liability, Other insurance, Medical payments insureds, Medical payments exclusions, Medical payments other insurance, Uninsured motor vehicle, Hit and run, UM exclusions, Collision definition, Non-owned auto deductible, Part D exclusions, Custom equipment, Part D limits, Trailers and campers, Governmental confiscation, Part D valuation, Betterment, Payment of loss, Other sources of recovery, Rental car exclusion, Cancellation, Nonrenewal, Automatic termination, Policy territory, Limited Mexico coverage, Transfer of interest, Two or more auto policies, Subrogation, Legal action, Residual markets, Medical payments calculation, Part D coverage, Uninsured motorists, Extended non-owned coverage, Miscellaneous type vehicle
Read the Personal Auto Policy study guide
Sample questions & answers
1. Utah's minimum auto liability limits for policies issued or renewed on or after January 1, 2025 are:
30/65/25
Utah Code 31A-22-304(2) sets minimums of $30,000 per person, $65,000 per accident for bodily injury and $25,000 property damage (or $90,000 combined) for policies issued or renewed on or after January 1, 2025; earlier policies used 25/65/15.
2. A notable feature of Utah's minimum auto liability limits is that the per-accident bodily injury minimum is:
65,000 dollars
Utah Code 31A-22-304 sets the per-accident bodily injury minimum at $65,000, both before and after the January 1, 2025 increase in the per-person and property damage minimums.
3. Utah requires every private passenger auto policy to include personal injury protection (PIP) with a minimum medical benefit per person of:
3,000 dollars
Utah Code 31A-22-307(1)(a) requires PIP medical expense coverage of not less than $3,000 per person.
4. Under Utah's no-fault auto law, an injured person covered by PIP may sue the at-fault driver for general damages such as pain and suffering only if:
Medical expenses exceed $3,000 or a listed serious injury occurs
Utah Code 31A-22-309(1)(a) permits a general damages action only for death, dismemberment, permanent disability or impairment, permanent disfigurement, a bone fracture, or medical expenses over $3,000.
Practice: Personal Auto 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.
