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State statute · Utah

Utah Code Ann. tit. 31A, ch. 22, pt. 3

Motor Vehicle Insurance (31A-22-301 to 31A-22-324: PIP, uninsured/underinsured motorist, minimum limits, cancellation, rate/coverage rules)

Publisher
Utah Office of Legislative Research and General Counsel
Edition
Utah Code, current official text on le.utah.gov
Last checked
2026-09-29
Status
US state statute
Edition and licensing notes

Publisher. Utah Office of Legislative Research and General Counsel (le.utah.gov)

Edition. Utah Code, current official text on le.utah.gov (chapter PDF, pipeline extraction 2026-09-29; source running head 'Utah Code')

Status. US state statute; public domain.

Read the official textPractice questions from this source

What this document is

Utah Code Ann. tit. 31A, ch. 22, pt. 3 - Motor Vehicle Insurance (31A-22-301 to 31A-22-324: PIP, uninsured/underinsured motorist, minimum limits, cancellation, rate/coverage rules) is a state statute published by Utah Office of Legislative Research and General Counsel (le.utah.gov). It is one of the Utah documents that insurance license exam questions are written from, including utah personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

  • Utah Code Ann. 31A-22-305.5(3) (Uninsured motorist property damage coverage -- Coverage limitations)
    “(3) The coverage provided under this section shall be payable only if: (a) the occurrence causing the property damage involves actual physical contact between the covered motor vehicle and an uninsured motor vehicle; (b) the owner, operator, or license plate number of the uninsured motor vehicle is...”
  • Utah Code § 31A-22-302(4)(b) (Required components of motor vehicle insurance policies; no PIP for operators of motorcycles and similar vehicles)
    “(b) Owners and operators of motorcycles, off-highway vehicles, street-legal all-terrain vehicles, trailers, and semitrailers are not covered by personal injury protection coverages in connection with injuries incurred while operating any of these vehicles.”
  • Utah Code § 31A-22-302.5(2) (Named driver exclusions; conditions for effectiveness)
    “(2) The named driver exclusion under Subsection (1) is effective only if: (a) at the time of the proposed exclusion, each person excluded from coverage satisfies the owner's or operator's security requirement under Section 41-12a-301, independently of the named insured's proof of owner's or...”
  • Utah Code § 31A-22-305(5)(a) (Uninsured motorist coverage; rejection by express writing on the insurer's form)
    “(a) (i) Except as provided in Subsection (5)(b), the named insured may reject uninsured motorist coverage by an express writing to the insurer that provides liability coverage under Subsection 31A-22-302(1)(a). (ii) This rejection shall be on a form provided by the insurer that includes a...”
  • Utah Code § 31A-22-309(2)(a)(i) (Limitations, exclusions, and conditions to personal injury protection; occupying another vehicle furnished for regular use)
    “(2) (a) An insurer issuing personal injury protection coverage under this part may only exclude from this coverage benefits: (i) for an injury the insured sustains while occupying another motor vehicle owned by or furnished for the regular use of the insured or a resident family member of the...”
  • Utah Code § 31A-22-320(2) (Use of credit information; motor vehicle related insurance policies)
    “(a) except as provided in Subsection (2)(b), may not use credit information for the purpose of determining for the motor vehicle related insurance policy: (i) renewal; (ii) nonrenewal; (iii) termination; (iv) eligibility; (v) underwriting; or (vi) rating; and (b) notwithstanding Subsection (2)(a),...”
  • Utah Code § 31A-22-304(2)(a)(ii)-(iii) (Motor vehicle liability policy minimum limits; policies issued or renewed on or after January 1, 2025)
    “(ii) subject to the limit for one person in Subsection (2)(a)(i), in the amount of $65,000 because of liability for bodily injury to or death of two or more persons arising out of the use of a motor vehicle in any one accident; and (iii) in the amount of $25,000 because of liability for injury to,...”
  • Utah Code § 31A-22-307(1)(b)(i) (Personal injury protection coverages and benefits; income loss benefit)
    “(i) the lesser of $250 per week or 85% of any loss of gross income and loss of earning capacity per person from inability to work, for a maximum of 52 consecutive weeks after the loss, except that this benefit need not be paid for the first three days of disability, unless the disability continues...”
  • Utah Code § 31A-22-305.5(2)(a) (Uninsured motorist property damage coverage; coverage limitations)
    “(a) Except as provided under Subsection (5), the coverage provided under this section shall include payment for loss or damage to the motor vehicle described in the policy, not to exceed the motor vehicle's actual cash value or $3,500, whichever is less.”

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Questions about this source

Utah Code Ann. tit. 31A, ch. 22, pt. 3 - Motor Vehicle Insurance (31A-22-301 to 31A-22-324: PIP, uninsured/underinsured motorist, minimum limits, cancellation, rate/coverage rules) is a state statute published by Utah Office of Legislative Research and General Counsel (le.utah.gov). Edition: Utah Code, current official text on le.utah.gov (chapter PDF, pipeline extraction 2026-09-29; source running head 'Utah Code').

No. This page summarizes the document and links to the official version. Always rely on the text published by Utah Office of Legislative Research and General Counsel (le.utah.gov) for the current law.

Practice questions for Utah Personal Lines cite this document.

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