Free Personal Automobile Policy Practice Questions
Utah Property & Casualty exam (series 17-04) — 86 practice questions.
Subtopics: No-fault purpose, Split limits, Underinsured motorist, Non-owned auto, Towing and labor, Temporary substitute, Supplementary payments, Glass damage, Custom equipment, Vandalism, Bodily injury definition, Each person limit, Trailers, PIP calculation, Minimum liability limits, Combined single limit, Required components, PIP exempt vehicles, PIP lost income, PIP death and funeral, PIP deductibles, PIP suit deadline, Tort threshold, Tort threshold dollars, PIP exclusions, PIP and workers comp, Overdue PIP, PIP reimbursement, UM default limits, Hit-and-run, UM rejection duration, UIM stacking on liability, Named driver exclusion, Permissive users, Rescission and third parties, Owner security requirement, Driving uninsured, Proof of insurance, UMID reporting, Assigned risk plan, Credit information, Comparative fault, Proportionate fault, Total loss settlement, Deductible recovery, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, Medical payments, Uninsured motorist, Collision coverage, Other than collision, Transportation expenses, Newly acquired autos, Definitions, Liability exclusions, Uninsured motorists, Physical damage exclusions, Duties after loss, Policy territory, Termination, Residual market
Read the Personal Automobile Policy study guide
Sample questions & answers
1. One purpose of Utah's no-fault auto law is to:
Pay injured insureds promptly and limit minor-injury suits
Utah's no-fault system pays an insured's own PIP benefits regardless of fault and, under 31A-22-309(1), bars suits for general damages unless a serious-injury or $3,000 medical threshold is met.
2. In a 30/65/25 split-limit auto policy, the third number represents the maximum the insurer will pay for:
Property damage liability per accident
In split limits, the third number is the property damage liability limit per accident.
3. Underinsured motorist coverage is designed to protect the insured when the at-fault driver:
Has liability limits too low for the injuries
Underinsured motorist coverage applies when the at-fault driver has some liability insurance but not enough to fully cover the insured's injuries.
4. Coverage that protects an insured while driving a borrowed car they do not own is generally provided through the policy's:
Coverage for non-owned autos
The personal auto policy generally extends coverage to the insured's use of a non-owned auto with permission, subject to the policy terms.
All Property & Casualty topics
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.
