UTAH PROPERTY & CASUALTY INSURANCE PRODUCER PRACTICE EXAM Questions and Correct Answers (Verified Answers) Plus Rationales 2026 Q&A | Instant Download Pdf

UTAH PROPERTY & CASUALTY INSURANCE PRODUCER
PRACTICE EXAM Questions and Correct Answers (Verified
Answers) Plus Rationales 2026 Q&A | Instant Download Pdf.



1. How many hours of continuing education (CE) must a Utah property and
casualty producer complete in each renewal period?

 A) 12 hours
 B) 24 hours
 C) 30 hours
 D) 40 hours



2. What is the maximum penalty the Utah Insurance Commissioner can impose per
violation of the Utah Insurance Code?

 A) $1,000
 B) $5,000
 C) $10,000
 D) $25,000
*Per Utah Code §31A-2-308, the Commissioner may impose a civil penalty of up to
$10,000 for each violation of the Insurance Code.*

3. Which type of insurance is NOT considered "property and casualty" under Utah
law?

 A) Auto insurance
 B) Homeowners insurance
 C) Life insurance

, D) Workers' compensation



4. How many days does a Utah producer have to notify the Insurance Department
of a change of address?

 A) 30 days
 B) 15 days
 C) 45 days
 D) 60 days



5. Which of the following is an unfair trade practice in Utah?

 A) Twisting
 B) Underwriting
 C) Risk classification
 D) Loss adjustment



6. Utah's mandatory Uninsured Motorist (UM) coverage limit is:

 A) $15,000/$30,000
 B) $25,000/$65,000
 C) $30,000/$60,000
 D) $50,000/$100,000
*Utah requires UM limits equal to the state's minimum liability limits: $25,000 per person
/ $65,000 per accident for bodily injury.*

7. What is Utah's Financial Responsibility law commonly called?

 A) No-fault law
 B) Safety Responsibility Act
 C) Comparative negligence act
 D) Good driver discount law



8. Utah is considered what type of auto insurance state?

, A) No-fault state
 B) Tort state with add-on no-fault features
 C) Pure no-fault state
 D) Choice no-fault state



9. How long does a producer have to respond to a Department inquiry?

 A) 15 working days
 B) 10 working days
 C) 20 working days
 D) 30 calendar days
*Under Utah Administrative Rule R590-246, producers must respond to Department
inquiries within 15 working days.*

10. Which entity oversees insurance regulation in Utah?

 A) Utah Department of Commerce
 B) Utah Insurance Department
 C) Utah Financial Institutions Division
 D) Utah Attorney General's Office



11. A Utah producer who knowingly submits a false claims report may be guilty of:

 A) A civil violation only
 B) A third-degree felony
 C) An infraction
 D) A class B misdemeanor
*Under Utah Code §31A-2-308, knowingly submitting false claims or reports is a third-
degree felony.*

12. What is the minimum bodily injury liability coverage required for a private
passenger vehicle in Utah?

 A) $15,000 per person / $30,000 per accident
 B) $25,000 per person / $65,000 per accident
 C) $30,000 per person / $60,000 per accident
 D) $50,000 per person / $100,000 per accident
*Utah's minimum bodily injury liability limits are 25/65 as of recent legislative updates.*

, 13. What is the minimum property damage liability coverage required in Utah?

 A) $15,000
 B) $10,000
 C) $25,000
 D) $20,000



14. How long must a Utah producer maintain records of insurance transactions?

 A) 3 years
 B) 5 years
 C) 2 years
 D) 7 years



15. A non-resident producer applying for a Utah license must:

 A) Retake the Utah exam
 B) Submit a completed application and pay the fee
 C) Complete Utah-specific CE before applying
 D) Have a Utah business address



16. Utah's "prior approval" law applies to which type of insurance rates?

 A) Workers' compensation
 B) Auto insurance
 C) Homeowners insurance
 D) Commercial package policies



17. A producer who commingles premium funds with personal funds is guilty of:

 A) Negligence
 B) Conversion
 C) Rebating