Utah Auto Insurance
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Utah Auto Insurance Requirements
In a no-fault state (like Utah), the insurance provider for each party involved in an accident assumes the responsibility of paying its respective insured’s bodily injury and property damage claims. Typically the insurer of the party at-fault makes payment, but no-fault state laws are different. Still, Utah auto insurance law requires that drivers carry PIP or Personal Injury Protection coverage. PIP assists with payment for certain expenses like health care, lost wages, and funeral costs. Drivers with comprehensive health insurance policies may find minimum PIP limits sufficient.
Utah law requires drivers to purchase liability insurance
Because there are times when a driver in a no-fault state is held liable for a portion of the other driver’s expenses, Utah law requires drivers to purchase liability insurance. State liability minimums for bodily injury are $25,000 for a single-occupant vehicle, and $65,000 for the combined bodily injury expenses of multiple occupants, per accident. The property damage liability minimum is $15,000 and covers the repair costs of property damaged in an accident, including damage to the other driver’s vehicle, up to payment limits.
Not enough coverage? You may have to pay balance out of pocket
When a driver is held responsible for the expenses incurred by another driver, and his/her liability limits are insufficient to cover all costs, the liable driver is required to pay balance out of pocket. Given the rapidly escalating costs for health care and vehicle repair, drivers shopping for auto insurance should consider purchasing more than Utah state minimums.
Consider purchasing Comprehensive/Collision coverage
Utah drivers may also wish to consider purchasing Comprehensive/Collision insurance that pays repair expenses, minus the chosen deductible, for damage done to an insured’s vehicle in a collision or roll-over, or that are the result of reasons beyond the insured’s control. Vandalism, theft, adverse weather, and animal encounters are instances under which comprehensive insurance could protect the insured.
Uninsured/Underinsured Coverage in Utah
Uninsured/Underinsured Motorist insurance is another non-mandated type of auto insurance that protects the insured in the event he/she is involved in a hit-and-run accident or an accident that’s caused by a driver without any auto insurance. This coverage may also protect drivers when the at-fault driver’s insurance coverage is insufficient to cover all eligible accident-related expenses.
Utah Insurance Department
Visit the Utah Insurance Department at http://www.insurance.utah.gov for more information.