For the Utah Personal Lines exam, the Personal Auto Policy (PAP) is tested two ways: the national policy structure and the Utah auto rules layered on top of it. This standalone guide walks through the lettered parts every PAP uses, then focuses on the Utah rules an agent applies every day—the no-fault system with mandatory PIP, the tort threshold for suing, the new 30/65/25 financial-responsibility minimums, the requirement to offer uninsured- and underinsured-motorist coverage, and how policies can be cancelled or nonrenewed. Spend your study time on the Utah overlay; that is where the state questions live.

The national fundamentals (quick version)

The Personal Auto Policy insures individuals and families for the vehicles they own and drive. It is divided into clearly labeled parts:

• Part A — Liability Coverage: pays for bodily injury (BI) and property damage (PD) the insured is legally responsible for, with a duty to defend and defense costs paid on top of the limit.
• Part B — Medical Payments: pays reasonable medical and funeral expenses for the insured and passengers regardless of fault (in Utah, first-party medical is driven mainly by PIP).
• Part C — Uninsured/Underinsured Motorists (UM/UIM): pays your injuries when the at-fault driver has no insurance or too little.
• Part D — Coverage for Damage to Your Auto: Collision (impact or upset) and Other Than Collision (Comprehensive) (theft, fire, hail, hitting an animal), each with a deductible, paid at Actual Cash Value (ACV).
• Part E — Duties After an Accident or Loss and Part F — General Provisions set the rules.

An insured generally includes the named insured, the resident spouse, resident family members, and anyone using the covered auto with permission. The policy also extends the named insured's liability coverage to a non-owned auto the insured borrows with permission. Eligible vehicles are private passenger autos owned by individuals and households, not commercial trucks or buses. That skeleton is the same nationwide; Utah changes the dollar limits and the legal environment around it.

Utah is a no-fault (PIP) state

Utah does not use a pure at-fault system. It is a no-fault state, which means every auto policy must carry Personal Injury Protection (PIP). After a crash, an injured insured turns first to their own PIP for medical bills, partial lost wages, and certain other expenses—regardless of who was at fault. The mandatory PIP medical benefit is commonly cited at $3,000 per person (verify the current figure), with additional limited wage-loss, survivor, and funeral benefits.

Because routine injuries are paid by the insured's own PIP, no-fault is designed to keep smaller claims out of the courts. Train yourself to think PIP first in Utah, then liability.

The tort threshold for lawsuits

No-fault limits—but does not eliminate—the right to sue. A Utah claimant may break out of the no-fault system and pursue the at-fault driver for pain-and-suffering (general) damages only after meeting a tort threshold:

• a monetary threshold—medical expenses exceeding an amount commonly cited at $3,000 (verify); or
• a verbal/injury threshold—a serious or permanent injury such as permanent disability, permanent impairment, dismemberment, or a fracture.

Below the threshold, the injured person is generally confined to PIP and cannot sue for pain and suffering. The exam likes to test that Utah uses both a dollar threshold and an injury-type threshold.

Financial responsibility: the 30/65/25 minimums

Utah drivers must demonstrate financial responsibility, almost always by buying liability insurance meeting the state's minimum split limits. Effective January 1, 2025 (House Bill 113 of 2023) those minimums are 30/65/25:

• $30,000 bodily injury per person
• $65,000 bodily injury per accident
• $25,000 property damage per accident

Agents say this aloud as "30/65/25" (the previous minimum was 25/65/15**, which renewals trued up to the new floor on or after Jan 1, 2025). A policy can alternatively meet the law with a $90,000 Combined Single Limit. Watch the distinctive middle figure: the $65,000 per-accident bodily-injury aggregate stayed the same in 2025, so Utah's per-person-to-per-accident spread is unusually tight—do not "correct" the 65 to a more common number. A driver who cannot find coverage in the voluntary market may obtain it through the state's assigned-risk / automobile insurance plan* (verify the current program)*.

Uninsured and underinsured motorist coverage

Here is a point Utah agents must apply: insurers writing auto liability must offer UM and UIM coverage, and a customer who declines generally must reject it in writing (verify).

• Uninsured Motorist (UM) bodily injury coverage responds when the insured is injured by an at-fault driver who carries no liability insurance, including a hit-and-run driver.
• Underinsured Motorist (UIM) applies when the at-fault driver has insurance but at limits too low to cover the insured's damages.
• UIM pays the difference between the other driver's lower BI limit and your UIM limit, so a client with strong UIM is protected even against a bare-minimum at-fault driver.

The recurring theme: Utah requires the insurer to offer UM/UIM, and these coverages respond only when the other driver is legally at fault.

Coverages, limits, and loss settlement

• In a 30/65/25 limit, the third number (25) is the property-damage liability limit per accident; the first two are BI per person and the unusual $65,000 per accident.
• PIP is mandatory first-party coverage; medical payments may add extra first-party medical on top of PIP; collision pays impact/upset damage; comprehensive pays theft, fire, hail, vandalism, and animal strikes.
• The deductible is the amount the insured pays before the insurer covers the rest of a covered physical-damage loss; rental reimbursement and towing and labor are common add-ons.
• Exclusions to remember: organized racing for prize money is excluded, as is intentional or business use beyond the policy's scope.
• After a loss the insured's duties include promptly notifying the insurer and cooperating in the investigation. The named insured may cancel the policy at any time by notifying the insurer.

Cancellation and nonrenewal notice

Utah limits how and when an insurer can end a personal auto policy:

• Mid-term cancellation generally requires the insurer to provide the policyholder the advance written notice the law requires.
• Nonrenewal (declining to continue at the end of the term) likewise requires advance notice within the required time, so the insured can shop for replacement coverage.
• On cancellation the insurer retains only the earned premium and refunds the unearned portion; an insurer-initiated cancellation refunds pro rata without penalty.

Required vs. optional coverages in Utah

Key Utah numbers to memorize

Common exam traps

• Utah is no-fault, not at-fault—PIP is mandatory, not optional.
• Forgetting the tort threshold—below it, the insured stays in PIP and generally cannot sue for pain and suffering.
• Misstating the minimums—current is 30/65/25 (effective 2025); the old 25/65/15 is a common distractor.
• "Fixing" the $65,000—the per-accident BI aggregate is unusual and did not change in 2025.
• Treating UM/UIM as automatic or skippable—it must be offered, with written rejection if declined (verify).
• Hitting an animal is Comprehensive, not Collision.
• Collision/Comprehensive pay ACV on a total loss; the deductible is the insured's share first.

Quick recap

• The PAP keeps its national Parts A–F structure; Utah changes the limits and legal context.
• Utah is a no-fault state that requires PIP (medical commonly $3,000 per person, verify), with a tort threshold (a dollar amount or a serious/permanent injury) controlling lawsuits.
• Financial-responsibility minimums are 30/65/25 effective Jan 1, 2025 (up from 25/65/15), or a $90,000 CSL, with an unusual $65,000 per-accident BI aggregate.
• Uninsured and underinsured motorist coverage must be offered, with written rejection if declined; Med Pay and physical-damage coverages are optional.
• Mid-term cancellation and nonrenewal require the advance written notice the law specifies, with unearned premium refunded.