Utah property and casualty practice exam

1. How many CE hours must a Utah resident producer (other than a title producer) complete, and how many must be ethics?

1. 12 hours, including 2 hours of ethics
2. 24 hours, including 6 hours of ethics
3. 20 hours, with no ethics requirement
4. 24 hours, including 3 hours of ethics

2. For a Utah resident producer's 24 CE hours, no more than how many hours may come from courses provided by insurers?

1. 3 hours
2. 12 hours
3. 6 hours
4. 24 hours

3. How often does a Utah individual producer license renew, and how long after expiration can it be reinstated without reapplying as a new applicant?

1. Every two years in the birth month; reinstatement is allowed within one year of expiration
2. Every year on December 31; reinstatement is allowed within 30 days
3. Every two years in the birth month; reinstatement is allowed within 90 days
4. Every three years; reinstatement is allowed within two years

4. Within how many days must a Utah licensee report an address change to the Insurance Department?

1. 10 days
2. 60 days
3. 30 days
4. 90 days

1. For motor vehicle policies issued or renewed on or after January 1, 2025, Utah Code 31A-22-304 sets minimum liability limits of:

1. $25,000 per person, $65,000 per accident, and $15,000 property damage
2. $30,000 per person, $65,000 per accident, and $25,000 property damage
3. $25,000 per person, $50,000 per accident, and $25,000 property damage
4. $30,000 per person, $60,000 per accident, and $15,000 property damage

1. Utah Code 31A-22-307 requires a Utah auto policy to include personal injury protection (PIP) medical expense coverage of not less than:

1. $1,000 per person
2. $5,000 per person
3. $10,000 per person
4. $3,000 per person

2. Utah PIP work loss benefits are the lesser of $250 per week or 85 percent of lost gross income, for a maximum of how long?

1. 13 weeks
2. 26 weeks
3. 104 weeks
4. 52 consecutive weeks

3. Which statement about Utah PIP coverage under 31A-22-307 is correct?

1. The insured may reject PIP entirely in writing
2. Deductibles are not permitted, and the named insured and spouse may waive only the gross income loss benefit
3. PIP may carry a deductible of up to $500
4. Only the medical expense benefit may be waived

1. Under Utah Code 31A-21-303, a personal lines insurer cancelling for nonpayment of premium must give written notice effective no sooner than how many days after delivery or mailing?

1. 5 days
2. 15 days
3. 10 days
4. 30 days

2. Under Utah Code 31A-21-303, a personal lines insurer that intends not to renew a policy must give notice at least how many days before the policy expires or completes an anniversary?

1. 30 days
2. 10 days
3. 45 days
4. 60 days

1. Under Utah Code 31A-28-207, the Utah Property and Casualty Guaranty Association's obligation on a covered claim includes only the amount that is:

1. less than $100,000
2. less than $300,000
3. less than $500,000
4. less than $1,000,000

2. How does Utah Code 31A-28-207 treat a covered claim arising out of a workers compensation policy of an insolvent insurer?

1. The association pays the full amount of the covered claim
2. It pays only amounts under $300,000
3. It pays only amounts under $100,000
4. It does not pay workers compensation claims

1. Once an injury is reported to a Utah employer, how many days does the employer have to report the claim to its workers compensation carrier?

1. 24 hours
2. 14 days
3. 30 days
4. 7 days

1. According to the Utah Insurance Department, how long does an insurer have to accept or deny a claim, and how quickly must it substantively respond to a claimant's request?

1. 15 days to accept or deny, and 5 days to respond
2. 60 days to accept or deny, and 30 days to respond
3. 30 days to accept or deny, and 15 days to respond to a request
4. 90 days to accept or deny, and 45 days to respond