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
Show answer and reasoning
Correct answer: A. $30,000 in bodily injury liability coverage per person
Correct. In Utah's 30/65/25 minimum liability summary, the first figure, $30,000, is the minimum bodily injury liability coverage required per person injured in an accident.
- B: The property damage liability figure in the 30/65/25 summary is the last number, $25,000, not the first.
- C: The 30/65/25 figures describe liability coverage dollar limits, not a grace period for obtaining coverage.
- D: Utah's minimum PIP requirement is a separate $3,000 figure under Utah Code § 31A-22-309, not part of the 30/65/25 liability summary.
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
Show answer and reasoning
Correct answer: C. Total bodily injury liability coverage per accident for all persons injured
Correct. The middle figure, $65,000, represents the total bodily injury liability coverage available per accident for all persons injured, under Utah Code § 31A-22-302's current minimum requirement.
- A: Property damage liability is the third figure in the 30/65/25 summary, $25,000, not the middle figure.
- B: Bodily injury liability per person is the first figure, $30,000, not the middle figure.
- D: Utah's minimum PIP benefit is a separate $3,000 per-person requirement under Utah Code § 31A-22-309, unrelated to the liability limits summarized as 30/65/25.
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
Show answer and reasoning
Correct answer: A. PIP pays medical expenses and a portion of lost income for the insured and passengers, regardless of who caused the accident
Correct. PIP is no-fault coverage: it pays medical expenses and a portion of lost income (and related expenses) for the insured driver and passengers regardless of who was at fault for the accident, up to the minimum $3,000 per person or higher purchased limits.
- B: PIP applies regardless of fault; conditioning payment on a fault determination would defeat the purpose of no-fault coverage.
- C: Utah still separately requires liability insurance under Utah Code § 31A-22-302; PIP does not replace that requirement.
- D: PIP addresses injury-related expenses, not physical damage to the vehicle, which is instead addressed by collision or comprehensive coverage.
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
Show answer and reasoning
Correct answer: B. Comprehensive coverage
Correct. Comprehensive coverage pays for damage to the insured's own vehicle from causes other than collision, such as theft, vandalism, fire, hail, flooding, or a cracked windshield, subject to a deductible.
- A: Collision coverage responds to damage from striking another vehicle or object, or from overturning, not from non-collision causes like theft or hail.
- C: Bodily injury liability covers the insured's legal responsibility for injuries to others; it does not address damage to the insured's own vehicle.
- D: Medical payments coverage pays medical expenses for the insured and passengers; it does not address vehicle damage from theft or weather.
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
Show answer and reasoning
Correct answer: B. Rejects it in an express writing, on a form the insurer provides that explains the coverage's purpose
Correct. Under Utah Code § 31A-22-305, UM coverage is included by default unless the named insured rejects it through an express writing, using a form the insurer provides that reasonably explains the coverage's purpose.
- A: Utah does allow UM coverage to be declined, provided the statutory written-rejection procedure is followed; it is not an absolute, unwaivable requirement.
- C: Silence or an informal verbal omission during a phone call does not satisfy the statute's requirement of an express written rejection.
- D: Utah's statute conditions the decline on a written rejection procedure, not on payment of a special removal fee.
Source: Utah Code § 31A-22-305
