UT DMV Insurance and Financial Responsibility 2 — Questions and Answers
Question 1: What is the minimum bodily injury liability coverage per person required in Utah?
- $25,000 (Correct answer)
- $15,000
- $50,000
- $10,000
Correct answer: $25,000
Utah requires at least $25,000 in bodily injury liability coverage per person.
Question 2: Utah's minimum property damage liability coverage per accident is:
- $15,000 (Correct answer)
- $5,000
- $25,000
- $65,000
Correct answer: $15,000
Utah law requires at least $15,000 in property damage liability coverage per accident.
Question 3: Utah follows which type of auto insurance system?
- No-fault (Correct answer)
- Pure tort
- Choice tort only
- Comparative liability only
Correct answer: No-fault
Utah is a no-fault state, so your own insurer pays your initial medical costs regardless of fault.
Question 4: What is the minimum Personal Injury Protection (PIP) coverage required in Utah?
- $3,000 (Correct answer)
- $1,000
- $10,000
- $25,000
Correct answer: $3,000
Utah requires a minimum of $3,000 in Personal Injury Protection per person.
Question 5: If you are stopped by police while driving in Utah, you must be able to show:
- Proof of insurance or other owner's security (Correct answer)
- Only your vehicle title
- A notarized bill of sale
- Your Social Security card
Correct answer: Proof of insurance or other owner's security
Utah drivers must carry and present evidence of insurance or other owner's security when requested by an officer.
Question 6: Which of these is NOT an acceptable way to satisfy Utah's financial responsibility law?
- A verbal promise to pay for any damage you cause (Correct answer)
- A liability insurance policy
- A surety bond meeting state requirements
- A qualifying deposit of cash or securities with the state
Correct answer: A verbal promise to pay for any damage you cause
Financial responsibility must be proven with insurance, a bond, or a qualifying deposit, not a verbal promise.
Question 7: In Utah, liability insurance primarily pays for:
- Injuries and damage you cause to others (Correct answer)
- Repairs to your own car after you hit a pole
- Theft of your vehicle
- Hail damage to your vehicle
Correct answer: Injuries and damage you cause to others
Liability coverage pays for injuries and property damage you cause to other people, not your own losses.
UT DMV Insurance and Financial Responsibility 2
What is the minimum bodily injury liability coverage per person required in Utah?