10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The UT P&C exam has 155 questions and runs 2 hours 30 minutes.
These 10 free UT P&C questions are organized by exam domain, so you can see how each part of the Utah Property & Casualty Insurance Exam blueprint is tested. Reveal the answer and explanation under each question.
A Utah producer's license expired eight months ago. The producer has not transacted insurance since expiration and has no disciplinary issue. What must the producer ordinarily do to reinstate the license?
Correct answer: B - Complete required continuing education and pay the reinstatement fee
An insurer privately restricts a producer's binding authority but continues listing the producer as authorized and supplying binding forms. A reasonable applicant relies on that outward conduct. Which type of authority could bind the insurer?
Correct answer: A - Apparent authority
After a negligence trial, a Utah jury assigns 47% fault to the claimant and 53% to the defendant. What happens to the claimant's compensatory award?
Correct answer: B - It is reduced by 47%
Under an unendorsed DP-3 Special Form, direct physical loss to Coverage C personal property is insured only when:
Correct answer: D - A listed broad-form peril causes the loss and no exclusion applies
Corrosion gradually weakens an HO-3 insured's water heater, which suddenly ruptures and damages hardwood flooring. The policy excludes wear and tear, and no other exclusion applies. Which coverage determination is strongest?
Correct answer: C - Exclude the worn heater, but cover the resulting floor damage
A Utah driver is unable to work for 12 consecutive days after a covered auto injury and loses $200 in earnings per week. PIP pays the lesser of 85% of lost income or $250 weekly, and the first three days need not be paid unless disability lasts more than two consecutive weeks. Utah PIP treats the claim as follows:
Correct answer: D - $170 weekly, with the first three days not payable
Fire destroys a firm's billing records, leaving valid invoices uncollectible and forcing the firm to reconstruct the receivable records. Which commercial inland marine form best addresses both consequences?
Correct answer: B - Accounts Receivable
A BOP includes BP 04 30 and schedules P-1, an automatic sprinkler system. A failed control valve disables the sprinkler, and repairs will take several days. What should the owner do under the protective-safeguards endorsement?
Correct answer: C - Notify the insurer and restore the sprinkler as the endorsement requires
A Utah employee suffers an otherwise compensable injury because the employee willfully refused to use a required safety device. The employer proposes denying the entire workers compensation claim. How does Utah law treat the claim?
Correct answer: A - The claim remains compensable, with a 15% reduction in disability compensation
A commercial umbrella requires $500,000 of underlying auto liability, but the insured carries only $300,000. A covered judgment is $800,000, and the umbrella has ample limits. How is the judgment allocated under the maintenance-of-underlying provision?
Correct answer: D - Underlying insurer $300,000; insured $200,000; umbrella $300,000
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