A person holds both an independent and a public adjuster license in Utah. What does Utah Code 31A-26-304 forbid?Utah Code 31A-26-304
A Utah insured signs a contract with a public adjuster. Within how long may the insured rescind it by written notice?Utah Code 31A-26-311(1)
After a catastrophe, how long may a Utah emergency adjuster license stay in force before any extension?Utah Code 31A-26-212
How much continuing education must a Utah adjuster complete in each two-year licensing period, and how much of it in ethics?Utah Code 31A-26-206(2)
In the Utah producer lines of authority listed in Utah Code 31A-23a-106, what does the casualty line include?Utah Code 31A-23a-106(2)
On what basis may a Utah insurer or insured not pay the person who represents it in a claim adjustment?Utah Code 31A-26-310(1)
What may a nonadmitted insurer not issue to an employer located in Utah, apart from the listed exceptions such as stop loss for a self-insured employer?Utah Code 31A-15-103(5)
Which is a Utah independent adjuster license classification under Utah Code 31A-26-204?Utah Code 31A-26-204(1)
Who is a company adjuster under Utah Code 31A-26-102?Utah Code 31A-26-102(1)
Who may adjust claims in Utah without an adjuster license under Utah Code 31A-26-201?Utah Code 31A-26-201(2)
Who must place Utah insurance with a nonadmitted insurer under Utah Code 31A-15-103?Utah Code 31A-15-103(3)
Whom does a Utah independent adjuster represent in insurance adjusting?Utah Code 31A-26-102(5)
Whom does a Utah public adjuster represent in insurance adjusting?Utah Code 31A-26-102(9)
Show all 65 questions (52 more)
Claim practices and suits on the policy 7
A Utah insured files a proof of loss after the policy's deadline. When does the late filing not invalidate the claim?Utah Code 31A-21-312(1)
A Utah insurer holds up the clear part of a claim under one coverage to gain leverage on another coverage of the same policy. What does Utah Code 31A-26-303 call this?Utah Code 31A-26-303(2)
In whose name may a Utah insurer bring a subrogation action under Utah Code 31A-21-108?Utah Code 31A-21-108
To which claims does Utah's timely payment section, Utah Code 31A-26-301, apply?Utah Code 31A-26-301(3)
Which act is an unfair claim settlement practice in Utah only when done so often as to indicate a general business practice?Utah Code 31A-26-303(3)
Which single act is an unfair claim settlement practice in Utah, with no need to show a general business practice?Utah Code 31A-26-303(2)
Within what time must a person commence an action on a written policy of first party insurance in Utah?Utah Code 31A-21-313(1)
Cancellation, renewal and binders 12
A Utah cancellation notice does not state the facts behind the insurer's decision. How soon after the policyholder's written request must the insurer send them?Utah Code 31A-21-303(7)
A Utah commercial lines policy is canceled for nonpayment. Besides the policyholder and named assignees, who must get the written notice?Utah Code 31A-21-303(2)
A Utah motor vehicle policy is canceled for nonpayment of premium. Who else must the insurer notify, if it has the name and mailing address?Utah Code 31A-21-303(8)
A Utah policy is written for a term longer than one year. How far before an anniversary date must its cancellation clause have the insurer give notice?Utah Code 31A-21-303(3)
A Utah policyholder's right to renewal ends if the insurer sends notice of intention not to renew at least how long before the policy expires?Utah Code 31A-21-303(4)
The cancellation limits of Utah Code 31A-21-303(2) do not apply to a never-renewed contract that has been in effect for less than how long?Utah Code 31A-21-303(2)
For which kind of insurance may a binding oral contract not be made in Utah under Utah Code 31A-21-102?Utah Code 31A-21-102(2)
How long is a Utah binder valid if no policy is issued and the commissioner has not approved an extension?Utah Code 31A-21-102(3)
When does a Utah midterm cancellation for grounds, other than nonpayment of premium, take effect?Utah Code 31A-21-303(2)
When does cancellation of a Utah personal lines policy for nonpayment of premium take effect?Utah Code 31A-21-303(2)
Which is one of the grounds for midterm cancellation of a property or casualty policy named in Utah Code 31A-21-303?Utah Code 31A-21-303(2)
Within what window before a Utah renewal premium is due must the insurer send the notice that lets the right to renew end for nonpayment?Utah Code 31A-21-303(4)
Rates and rate service organizations 4
A Utah driver's car is vandalized and the driver is not at fault. May the personal lines rate filing allow a premium increase for that motor vehicle claim?Utah Code 31A-19a-212(1)
A Utah policyholder phones the insurer with a question and files no claim. What do Utah personal lines rate filings have to provide about that call?Utah Code 31A-19a-212(1)
What must a rate service organization include with its application for a Utah license under Utah Code 31A-19a-302?Utah Code 31A-19a-302(1)
When are Utah rates not excessive under Utah Code 31A-19a-201?Utah Code 31A-19a-201(2)
Auto: limits, personal injury protection and security 15
A person with Utah personal injury protection may sue for general damages after an auto accident only on meeting a threshold. Which injury meets it?Utah Code 31A-22-309(1)
After how much time in Utah must a nonresident owner's motor vehicle carry the owner's security Utah requires of residents?Utah Code 41-12a-301(2)
For which vehicle is a Utah security policy not required to carry personal injury protection?Utah Code 31A-22-302(2)
How may a Utah named insured reject uninsured motorist coverage?Utah Code 31A-22-305(5)
What are the minimum split limits for a Utah motor vehicle liability policy issued or renewed on or after January 1, 2025?Utah Code 31A-22-304(2)
What does Utah personal injury protection pay for loss of gross income?Utah Code 31A-22-307(1)
What does Utah personal injury protection pay to a person's heirs on account of death?Utah Code 31A-22-307(1)
What is the least fine a Utah court orders on a first conviction for operating a motor vehicle without owner's or operator's security?Utah Code 41-12a-302(4)
What is the least fine for a second offense of driving without security within three years of a prior Utah conviction?Utah Code 41-12a-302(4)
What is the minimum medical expense coverage per person under Utah personal injury protection?Utah Code 31A-22-307(1)
What is the most Utah personal injury protection pays for funeral, burial or cremation?Utah Code 31A-22-307(1)
What single limit satisfies Utah's minimum for a motor vehicle liability policy issued or renewed on or after January 1, 2025?Utah Code 31A-22-304(2)
What special damage allowance does Utah personal injury protection give for household services the injured person can no longer perform?Utah Code 31A-22-307(1)
Which coverage must a Utah policy bought to satisfy the owner's security requirement include unless it is affirmatively waived?Utah Code 31A-22-302(1)
Whom may a Utah personal lines auto policy specifically exclude from coverage as a named driver under Utah Code 31A-22-302.5?Utah Code 31A-22-302.5(1)
Property and Casualty Guaranty Association 3
A Utah personal lines policyholder claims unearned premium from an insolvent insurer. Which claims does the guaranty association take?Utah Code 31A-28-207(1)
Outside workers' compensation, when does the Utah guaranty association's obligation to one insured and its affiliates on covered claims of a single insolvent insurer cease?Utah Code 31A-28-207(1)
The Utah Property and Casualty Insurance Guaranty Association's obligation covers only the part of each covered claim below what amount?Utah Code 31A-28-207(1)
Workers' compensation 11
A Utah claim for temporary total disability is barred unless the employee files an application for hearing within what time?Utah Code 34A-2-417(2)
Besides the employer, against whom is Utah workers' compensation the exclusive remedy under Utah Code 34A-2-105?Utah Code 34A-2-105(1)
Utah pays no compensation for the first three days after the injury, unless total temporary disability lasts more than how long?Utah Code 34A-2-408(2)
Utah temporary total disability compensation may not exceed how many weeks at the maximum rate over 12 years from the injury?Utah Code 34A-2-410(1)
What are the two ways a Utah employer secures the payment of workers' compensation benefits under Utah Code 34A-2-201?Utah Code 34A-2-201
What does a Utah employee receive while temporary disability is total?Utah Code 34A-2-410(1)
What does a Utah employer lose during a period when it has not secured workers' compensation benefits?Utah Code 34A-2-207(1)
What is the base weekly minimum for Utah temporary total disability, before the additions for dependents?Utah Code 34A-2-410(1)
What is the weekly maximum for Utah temporary total disability compensation?Utah Code 34A-2-410(1)
What offense does a Utah employer commit by failing to secure workers' compensation as Utah Code 34A-2-201 requires?Utah Code 34A-2-209(1)
Within how long must a Utah employee give notice of an industrial injury to the employer or the division?Utah Code 34A-2-407(3)
How this list was compiled: Own questions, written from the Utah Code as the Utah Legislature publishes it at https://le.utah.gov/xcode/Title31A/31A.html, read in the chapter files on October 12, 2026: Title 31A (Insurance Code), chapters 15, 19a, 21, 22, 23a, 26 and 28; Title 34A, chapter 2 (Workers' Compensation Act); and Title 41, chapter 12a (Financial Responsibility of Motor Vehicle Owners and Operators Act). Each question names its section and links to it. The topics follow the Insurance Regulation section and the Utah items of the Producer's Combined Property and Casualty Exam content outline (Series 17-04, 150 questions, 2.5 hours; outline effective January 1, 2020) 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: https://www.prometric.com/files/ut-insurance/Utah-LIB.pdf). 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
These unofficial property and casualty insurance Utah practice tests ask the state law the Producer's Combined Property and Casualty Exam covers: 65 free questions from the Utah Code. Policy forms are not asked. Not affiliated with the Utah Insurance Department.
Read the full guide
Study guide for property and casualty exam in Utah: where the law sits
The outline for Series 17-04 gives Insurance Regulation 11 percent and puts Utah law inside other sections too: required provisions, auto laws, workers compensation laws, rating organizations and surplus lines. The groups here follow that: adjusters and surplus lines, claims, cancellation, auto, rates, the guaranty association and workers' compensation.
What this Utah bank leaves out
Homeowners, dwelling, commercial package and businessowners forms fill most of the exam and are not asked. Producer licensing is in the Utah life and health law bank. The R590 rules were not read. Every answer links to its section on le.utah.gov.
Personal injury protection: $3,000 medical, the lesser of $250 a week or 85% of lost income, $1,500 funeral, $3,000 death (Utah Code 31A-22-307).
Cancellation: 30 days for grounds, 10 days for nonpayment; notice not to renew 30 days before expiry (Utah Code 31A-21-303).
Questions and answers
How many questions are on the Utah property and casualty exam?
The Producer's Combined Property and Casualty Exam, Series 17-04, has 150 questions and a 2.5-hour time limit under the Department's bulletin effective September 25, 2025. Exam mode here draws 25 as a set size only.
What score passes the Utah property and casualty exam?
The Department's licensing information bulletin prints no pass mark, so this page does not guess one. It says the score report gives the percentage you answered correctly and tells you if you passed or failed.
Are these Utah property and casualty practice tests free?
Yes, every set. Nothing is sent anywhere; your answers stay on your device. Each question was written for this page from the Utah Code, and the Utah Insurance Department has not reviewed them.
What are Utah's minimum auto liability limits?
For a policy issued or renewed on or after January 1, 2025, Utah Code 31A-22-304 sets $30,000 for one person, $65,000 for two or more persons and $25,000 for property of others, or $90,000 in any one accident.