A claimant gives notice of loss to a Utah insurer's agent. What is the effect under R590-190-6?Answer: It is notice to the insurer. Source: Utah Admin. Code R590-190-6
A claimant on a Utah automobile claim asks for a release on a separate document, not on the back of the check. What does R590-190-12 require?Answer: The insurer may not refuse a separate release document. Source: Utah Admin. Code R590-190-12
A claimant on a Utah automobile claim asks the insurer for the policy limits. Under R590-190-12, what must the insurer not do?Answer: Refuse to disclose them. Source: Utah Admin. Code R590-190-12
A first party claimant in Utah does not make the damaged property available for inspection. When may the insurer deny the claim for that?Answer: Only with a documented breach of a policy provision. Source: Utah Admin. Code R590-190-5
A Utah automobile insurer refuses to settle a claim solely because the police issued no traffic citation. How does R590-190-12 treat that?Answer: As an unfair claim settlement practice. Source: Utah Admin. Code R590-190-12
Show all 84 questions (79 more)
Claim settlement rule R590-190, continued
A Utah insured asks the insurer not to pay a claim made against the insured. When may the insurer refuse to pay solely on that request?Answer: When the policy lets the insured consent to settlement. Source: Utah Admin. Code R590-190-9
A Utah insurer bases a cash settlement of an automobile total loss on comparable automobiles in the local market area. On the cost of at least how many?Answer: 2. Source: Utah Admin. Code R590-190-11
A Utah insurer has written proof of a covered loss and its amount. Failing to deliver or mail the amount owed within how long is an unfair claim settlement practice?Answer: 30 days. Source: Utah Admin. Code R590-190-9
A Utah insurer is still negotiating with a claimant who has no lawyer or public adjuster. How far ahead must it notify the claimant of the date the statute of limitation expires?Answer: 60 days. Source: Utah Admin. Code R590-190-10
A Utah insurer recovers the full amount in subrogation. To what is the recovery applied first?Answer: Reimbursing the first party claimant's deductible. Source: Utah Admin. Code R590-190-11
A Utah insurer starts a subrogation demand after paying a first party automobile claim. What must the demand include?Answer: The first party claimant's deductible, if any. Source: Utah Admin. Code R590-190-11
A Utah insurer's investigation of a first party claim stays open after its first notice that it needs more time. How often must it send a letter giving the reasons?Answer: Every 45 days. Source: Utah Admin. Code R590-190-10
A Utah replacement cost policy pays to replace damaged siding, and the new pieces do not match the old in color. What must the insurer do?Answer: Repair or replace items for a reasonably uniform look. Source: Utah Admin. Code R590-190-13
After a cash settlement of a Utah total loss, the first party claimant gives notice within 30 days that no comparable vehicle can be bought at market value. What must the insurer do?Answer: Reopen its claim file. Source: Utah Admin. Code R590-190-11
After a complete proof of loss, how soon must a Utah insurer finish its investigation and notify a first party claimant of acceptance or denial, if that can reasonably be done?Answer: 30 days. Source: Utah Admin. Code R590-190-10
Besides property and casualty insurers and their authorized agents, to which other insurers does Utah rule R590-190 apply?Answer: Title insurers. Source: Utah Admin. Code R590-190-2
For a Utah total loss cash settlement, the comparable automobiles must have been available to consumers in the local market area within the last how many days?Answer: 90 days. Source: Utah Admin. Code R590-190-11
How does a loss of use payment on a Utah automobile claim relate to the payment for the value of the automobile?Answer: It is an amount in addition to it. Source: Utah Admin. Code R590-190-11
How far may a release that a Utah insurer requires an insured to sign extend?Answer: No further than the occurrence or cause of action behind the claim payment. Source: Utah Admin. Code R590-190-9
How must a Utah insurer communicate the basis for denying a claim to a first party claimant?Answer: Promptly, in writing. Source: Utah Admin. Code R590-190-10
How soon must a Utah insurer acknowledge receiving a notice of loss, unless it pays within that time?Answer: 15 days. Source: Utah Admin. Code R590-190-6
In a bailment, a permissive user of a vehicle was negligent. Under Utah's R590-190-12, what may an automobile insurer not do?Answer: Impute the user's negligence to the owner of the vehicle. Source: Utah Admin. Code R590-190-12
In Utah rule R590-190, what is a "general business practice"?Answer: A pattern of conduct in a business. Source: Utah Admin. Code R590-190-3
In Utah's claim settlement rule R590-190, what does "day" mean?Answer: Calendar day. Source: Utah Admin. Code R590-190-3
One Utah automobile insurer covers both the tort feasor and the claimant. What must it tell the claimant, and when?Answer: That it represents both, as soon as that becomes known to it. Source: Utah Admin. Code R590-190-9
Under R590-190-9, when is a Utah claim payment not overdue even after the 30 days?Answer: When the insurer has reasonable evidence to dispute its responsibility for payment. Source: Utah Admin. Code R590-190-9
When is a Utah insurer excused from sending the 45-day letters about an incomplete investigation?Answer: When the claimant has legal counsel or a public adjuster. Source: Utah Admin. Code R590-190-10
When may a Utah insurer deduct expenses from a claimant's deductible recovered in subrogation?Answer: Only when an outside attorney is retained to collect the recovery. Source: Utah Admin. Code R590-190-11
When may a Utah insurer deduct, from a claim payment under one policy, the premiums the insured owes on another policy?Answer: Only if the insured consents. Source: Utah Admin. Code R590-190-9
Which pay arrangement does R590-190-9 name as an unfair claim settlement practice in Utah?Answer: Pay based on savings to the insurer from denying payment of a claim. Source: Utah Admin. Code R590-190-9
Which statement to a claimant does R590-190-9 forbid a Utah insurer to make?Answer: That the claimant will receive less money if an attorney is used. Source: Utah Admin. Code R590-190-9
Adjuster licensing 30
A criminal prosecution is brought against a licensed Utah adjuster. The report to the commissioner is due within 30 days of what?Answer: The initial appearance before a court. Source: Utah Code 31A-26-203(2)
A neighbor helps a Utah homeowner with an insurance claim and expects nothing in return. Does the neighbor need an adjuster license?Answer: No; advice or assistance without compensation is exempt. Source: Utah Code 31A-26-201(2)
A nonresident's adjuster license in the home state is no longer active. What happens to the Utah license?Answer: It lapses. Source: Utah Code 31A-26-214.5
A person licensed in another state moves to Utah. To become a resident licensee without a new examination, how soon after establishing legal residence must the person apply?Answer: 90 days. Source: Utah Code 31A-26-207(3)
A Utah adjuster license application is denied. What happens to the application fee?Answer: It is not refunded. Source: Utah Code 31A-26-202(1)
A Utah adjuster license is voluntarily surrendered. Within how long after the surrender may it be reinstated, if still in the same license period?Answer: 1 year. Source: Utah Code 31A-26-214.5
A Utah adjuster wants to do business under a name other than the adjuster's legal name. What must the adjuster do?Answer: Notify the commissioner before using the assumed name. Source: Utah Code 31A-26-209(2)
A Utah adjuster's record of a transaction must stay available to the commissioner for at least the current calendar year plus how many years?Answer: 3 years. Source: Utah Code 31A-26-306(4)
A Utah adjusting organization reports to the commissioner, in good faith, the cause for which it terminated an individual licensee's designation. What protection does it have?Answer: Immunity from civil action, civil penalty or damages. Source: Utah Code 31A-26-210(4)
A Utah business knows that the person it hires to adjust its claims has no adjuster license. What does Section 31A-26-201 say?Answer: A person may not use adjusting services of one known to be unlicensed. Source: Utah Code 31A-26-201(1)
After a catastrophe, how soon after beginning claims adjustment must a Utah emergency adjuster license be applied for?Answer: 1 week. Source: Utah Code 31A-26-212
An applicant for a Utah adjuster license is required to submit to a criminal background check. Besides the Federal Bureau of Investigation, who runs the fingerprint check?Answer: The Utah Bureau of Criminal Identification. Source: Utah Code 31A-26-203(3)
An order revoking a Utah adjuster license names no waiting time. Without the commissioner's express approval, how long must the former licensee wait to apply for a new license?Answer: 5 years. Source: Utah Code 31A-26-213
An unlicensed person adjusted a Utah claim in violation of the license requirement. Is the claim settlement between the insurer and the insured invalid for that reason?Answer: No; the settlement may not be considered invalid for that. Source: Utah Code 31A-26-201(3)
Another state takes administrative action against a licensed Utah adjuster. How soon after the final disposition must the adjuster report it to the commissioner?Answer: 30 days. Source: Utah Code 31A-26-203(2)
For how long after a two-year licensing period ends must a Utah adjuster keep documentation of the continuing education completed for it?Answer: 2 years. Source: Utah Code 31A-26-206(7)
For how long, at most, may the Utah commissioner place an adjuster licensee on probation?Answer: 24 months. Source: Utah Code 31A-26-214
How old must a natural person be to qualify for a Utah adjuster license?Answer: 18 years. Source: Utah Code 31A-26-205
How soon must a licensed Utah adjuster notify the commissioner of a change of address, telephone number or business email address?Answer: 30 days. Source: Utah Code 31A-26-306(1)
To which licensee do Utah's adjuster continuing education requirements not apply?Answer: A member of the Utah State Bar. Source: Utah Code 31A-26-206(4)
What is a "claims liaison" under Utah Code 31A-26-211?Answer: A person an insurer designates to receive the commissioner's claim inquiries. Source: Utah Code 31A-26-211
What must an organization licensed as an adjuster in Utah designate in order to do business in the state?Answer: A licensed individual adjuster to act on its behalf. Source: Utah Code 31A-26-210(1)
What share of a Utah adjuster's required continuing education hours must come from classroom hours of insurance-related instruction?Answer: At least half. Source: Utah Code 31A-26-206(2)
When may a Utah insurance producer adjust a claim without an adjuster license?Answer: For a licensed class, at the request of the producer's insurer. Source: Utah Code 31A-26-201(2)
Which activity is "insurance adjusting" under Utah Code 31A-26-102?Answer: Directing the settlement of a claim under a policy. Source: Utah Code 31A-26-102(6)
Which is not one of the independent adjuster license classifications that Utah Code 31A-26-204 lists?Answer: Life insurance. Source: Utah Code 31A-26-204(1)
Which of these must a Utah adjuster's record of transactions include?Answer: The fee or other compensation received for each adjustment. Source: Utah Code 31A-26-306(2)
Which person may do insurance adjusting in Utah without an adjuster license?Answer: An umpire the claimant and insurer pick to set the amount. Source: Utah Code 31A-26-201(2)
Who is exempt from paying the Utah adjuster license fee?Answer: A service member stationed in Utah with a current license elsewhere. Source: Utah Code 31A-26-202(4)
Who is responsible for the claims practices of an independent adjuster working under a Utah emergency license?Answer: The insurer that contracts with the adjuster. Source: Utah Code 31A-26-212
Claim practices, conduct and penalties 23
A contractor offers a Utah independent adjuster a fee for sending insureds its way. What does Section 31A-26-312 say?Answer: The adjuster may not accept a fee for referring an insured. Source: Utah Code 31A-26-312(1)
A person intentionally violates an insurance statute of Utah. What grade of offense is that under Section 31A-2-308?Answer: A class B misdemeanor. Source: Utah Code 31A-2-308(9)
A Utah adjuster keeps violating an order of the commissioner. How are the days counted for the forfeiture?Answer: Each day the violation continues is a separate violation. Source: Utah Code 31A-2-308(1)
A Utah claimant entitled to money in settlement of a claim makes a timely request for payment by accepted check. What must the insurer do?Answer: Pay with a check accepted by the drawee. Source: Utah Code 31A-26-305
A Utah independent adjuster adjusts a claim on a damaged building. What may the adjuster not do with that building?Answer: Take part in its reconstruction, repair or restoration. Source: Utah Code 31A-26-312(1)
A Utah insurer altered a policy application without notice to the insured and uses it as the basis for refusing to settle a claim. How does Section 31A-26-303 treat that?Answer: As an unfair claim settlement practice, even as a single act. Source: Utah Code 31A-26-303(2)
A Utah insurer cannot determine who is entitled to receive a claim payment. Under Section 31A-26-301, on what condition is the payment not overdue during that time?Answer: The insurer promptly notifies the claimant and offers to pay when it can. Source: Utah Code 31A-26-301(2)
A Utah insurer settles part of a claim against its insured under a liability policy. Is the settlement an admission that the insured is liable on other claims from the same event?Answer: No; it is not an admission by the insured or the insurer. Source: Utah Code 31A-26-308
An attorney asks a Utah public adjuster to get an insured's signature on the attorney's representation agreement. May the adjuster do it?Answer: No; an adjuster may not act for an attorney in that way. Source: Utah Code 31A-26-312(1)
As a general practice, a Utah insurer requires a preliminary claim report and then formal proof of loss forms with substantially the same information. How does the law treat that?Answer: As an unfair claim settlement practice. Source: Utah Code 31A-26-303(3)
Before defining further unfair claim settlement practices by rule, what must the Utah commissioner find about them?Answer: That they are misleading, deceptive, unfairly discriminatory, overreaching or an unreasonable restraint on competition. Source: Utah Code 31A-26-303(4)
Does Utah's unfair claim settlement practices section create a private cause of action?Answer: No. Source: Utah Code 31A-26-303(5)
In addition to any other forfeiture, a person who violates a Utah insurance statute forfeits to the state up to what amount tied to the profit gained from the violation?Answer: Twice the profit. Source: Utah Code 31A-2-308(1)
May a Utah independent adjuster recommend a specific attorney to an insured?Answer: Yes; a recommendation is not forbidden. Source: Utah Code 31A-26-312(2)
On the Utah commissioner's request, what must a licensed adjuster connected with a loss report?Answer: All facts relative to the loss or claim. Source: Utah Code 31A-26-307
Utah Code 31A-26-303 makes it unfair to knowingly misrepresent material facts in connection with a claim. Does that provision include the failure to disclose information?Answer: No; it does not include the failure to disclose information. Source: Utah Code 31A-26-303(2)
What is the most the Utah commissioner may order an individual adjuster to forfeit to the state for each violation of an insurance statute or rule?Answer: $2,500. Source: Utah Code 31A-2-308(1)
Which is one of the purposes of Utah's insurance adjusters chapter, as Section 31A-26-101 states them?Answer: To encourage fair and rapid settlement of claims. Source: Utah Code 31A-26-101
Which of these may the Utah commissioner prescribe by rule under Section 31A-26-301?Answer: The reasonable interest rates to be charged on late claim payments. Source: Utah Code 31A-26-301(1)
Which pay arrangement for a person who adjusts claims does Utah Code 31A-26-310 allow?Answer: One based on the discovery or proof of fraudulent claims. Source: Utah Code 31A-26-310(2)
Which practice is an unfair claim settlement practice in Utah when performed with such frequency as to indicate a general business practice?Answer: Appealing substantially all arbitration awards won by insureds. Source: Utah Code 31A-26-303(3)
While adjusting a Utah loss, an adjuster has reason to believe a policy was entered into illegally by an insurer not authorized in the state. What must the adjuster do?Answer: Immediately report the policy to the commissioner. Source: Utah Code 31A-15-110(1)
With respect to claims for compensation and benefits, to which body are Utah workers' compensation insurers subject besides the Insurance Code?Answer: The Labor Commission. Source: Utah Code 31A-26-103
How this list was compiled: Own questions, written from Utah Code Title 31A (Insurance Code), Chapter 26, Insurance Adjusters, and Sections 31A-2-308 and 31A-15-110, read on October 15, 2026 in the chapter files the Utah Legislature publishes (https://le.utah.gov/xcode/Title31A/31A.html), and from Utah Administrative Code R590-190, Unfair Property, Casualty, and Title Claims Settlement Practices Rule (effective June 7, 2024), read the same day on the state's rules site (https://adminrules.utah.gov/public/rule/R590-190/Current%20Rules). The topics follow section 1.0, Insurance Regulation, of the Adjuster's Property and Casualty Exam content outline (Series 17-11, 150 questions, 2.5 hours; outline effective January 1, 2020), which cites Sections 31A-26-301 and 31A-26-303 and R590-190-1 to 14, in the Utah Insurance Department Licensing Information Bulletin (effective September 25, 2025), which the Department links from https://insurance.utah.gov/licensees/producers/exam/ (the bulletin itself: https://www.prometric.com/files/ut-insurance/Utah-LIB.pdf). Each question names its section and links to it. Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
This unofficial Utah adjuster study guide drills the state-law part of the Adjuster's Property and Casualty Exam: 84 of our own questions from Utah's Insurance Code and rule R590-190, each naming its section. Not affiliated with the Utah Insurance Department.
Read the full guide
What the exam covers
The outline of the Adjuster's Property and Casualty Exam, Series 17-11, effective January 1, 2020, gives 8 percent to insurance regulation, 23 percent to insurance basics, 24 percent to adjusting losses and 45 percent to policies, from dwelling to workers' compensation.
What to study for the law part
The outline names Sections 31A-26-301 and 31A-26-303 and rule R590-190 on claim settlement, with licensing, license maintenance and discipline from the adjusters chapter. Utah's auto and workers' compensation statutes are asked on the Utah property and casualty page.
Acknowledge a notice of loss in 15 days and accept or deny within 30 days of a complete proof of loss (R590-190-6, R590-190-10).
Adjusters complete 24 hours of continuing education every two years, 3 in ethics and at least half in a classroom (Section 31A-26-206).
An emergency adjuster license is applied for within a week and lasts no more than 90 days unless extended (Section 31A-26-212).
Questions and answers
How many questions are on the Utah adjuster exam?
150 questions with a 2.5-hour time limit on the Adjuster's Property and Casualty Exam, Series 17-11, by the Licensing Information Bulletin effective September 25, 2025. The bulletin adds that unscored experimental questions may be included.
What score passes the Utah adjuster exam?
The bulletin prints no pass mark. It says the score report shows the percentage of questions answered correctly and whether you passed or failed.
Is this Utah adjuster study guide free?
Yes. All 84 questions are open, and your answers stay in your browser. The questions were written for this page from the Code and the rule; none comes from the state exam, and the Utah Insurance Department did not write or review them.
Who needs an adjuster license in Utah?
Under Section 31A-26-201, nobody may perform insurance adjusting without a license. The section exempts, among others, an insurer's regular salaried employee, an attorney acting for a client, and a person who helps without pay.