Utah Car Insurance
Utah has some of the most progressive auto insurance laws in the nation. Utah drivers are required to carry minimum liability insurance of $25,000 per person, $65,000 per accident for bodily injury and $15,000 minimum coverage for property damage. Utah is also a no fault insurance state. The total of these amounts is greater than any other state in the nation. The State of Utah also requires you to buy a minimum of $3,000 in Personal Injury Protection (PIP) coverage.
Without proof of carrying these coverage types, Utah drivers can face substantial fines from the police for not having proof of insurance, among other penalties. Uninsured drivers may also be forced to comply with state financial responsibility laws and have to purchase more expensive SR–22 Insurance coverage.
PIP coverage pays for medical expenses, lost wages, loss of household services and funeral expenses following an accident, regardless of who is at fault. PIP coverage is the primary form of medical insurance for accident related bills. Once the PIP limits are exhausted, a driver may be able to use their health insurance coverage to pay for additional medical bills. Because it is such an important form of coverage, state law requires all Utah drivers to purchase PIP coverage.
Optional Insurance Coverage
Other important optional coverage types available to Utah drivers include Uninsured/Underinsured Motorist (UIM) coverage, Collision, and Comprehensive. With UIM coverage, a driver is insured up to the UIM limits in the event the other driver does not have insurance or does not have a sufficient amount of insurance for the damages caused in an accident.
Keep Your Car Insurance Current
Utah drivers should always know when their auto insurance policy expires to avoid a lapse in coverage. Without insurance, in addition to facing fines for violating the law, a driver can be financially responsible for all damages caused in an accident. Some auto accidents involve damages amounting to hundreds of thousands of dollars. Driving without auto insurance is fiscally irresponsible and can lead to financial ruin.
Each day, hundreds of Utah drivers are involved in car accidents. Drivers should consider purchasing additional insurance coverage for liability, PIP, UIM, and other coverage types beyond the minimum limits. It can make a big difference in the event you are in an accident.
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Drivers in Utah have dozens of insurance companies to choose from. In addition to larger insurers such as Allstate, Progressive, Geico, Travelers, American Family, and Nationwide drivers also have smaller, more local insurers to choose from.
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