Under Utah Code § 31A-22-302, effective January 1, 2025, Utah's minimum required auto liability limits are commonly summarized as 30/65/25. What does the first number, '30,' represent?
A. $30,000 in bodily injury liability coverage per person
B. $30,000 in property damage liability coverage per accident
C. A 30-day grace period to obtain coverage after purchasing a vehicle
D. $30,000 in personal injury protection coverage
Source: Utah Code § 31A-22-302
Under Utah's current 30/65/25 minimum auto liability requirement, the middle figure, $65,000, represents:
A. Property damage liability coverage per accident
B. Bodily injury liability coverage per person
C. Total bodily injury liability coverage per accident for all persons injured
D. The minimum PIP benefit per accident
Source: Utah Code § 31A-22-302
Utah requires drivers to carry personal injury protection (PIP), making it a no-fault state for certain medical benefits. Which statement best describes how PIP works?
A. PIP pays medical expenses and a portion of lost income for the insured and passengers, regardless of who caused the accident
B. PIP only pays if the insured is found to be completely without fault
C. PIP replaces the need for any liability insurance in Utah
D. PIP covers only damage to the insured's vehicle, not injuries
Source: Utah Code § 31A-22-309
Which auto physical damage coverage pays for damage to the insured's own vehicle from non-collision causes such as theft, vandalism, hail, or a cracked windshield?
A. Collision coverage
B. Comprehensive coverage
C. Bodily injury liability coverage
D. Medical payments coverage
Source: General insurance principle
Under Utah Code § 31A-22-305, an auto insurer must generally include uninsured motorist (UM) coverage in a liability policy unless the named insured does what?
A. Nothing; UM coverage cannot legally be declined in Utah under any circumstance
B. Rejects it in an express writing, on a form the insurer provides that explains the coverage's purpose
C. Simply fails to mention it during the initial phone call with the producer
D. Pays an extra fee specifically to have it removed
Source: Utah Code § 31A-22-305
