Knowing the reflection, transmission, and absorption properties of the yarns from which the woven fabric is made, prediction of a fabric’s UV-protective properties is simple. Using the geometrical properties of monofilament yarns and fabrics, which were determined optically, and following the cover factor theory, we have determined the areas of fabrics covered with no yarns, only one yarn, and two yarns. From a special selected set of high-module polyethylene terephthalate (PET) monofilament materials (e.g., fabrics), we have elaborated a method for determining the reflection, transmission, and absorption of yarns. By first defining the differently covered areas of fabrics, we were able to use them in a mathematical model for calculating and predicting the UV-protective properties of the fabrics. The calculated and measured values of the UV-protective properties of the selected test fabrics were highly correlated, with a correlation coefficient >0.98.