A Guide to Understanding Utah's Auto Insurance Requirements?

Answer 1

Utah residents who don't carry enough auto insurance face stiff fines and possible jail time. As a result, most Utah residents have questions about how much auto insurance they should carry before they drive a motor vehicle.

Here is a quick guide that can help you understand Utah's auto insurance requirements. The guide provides details about Utah's liability, injury and property damage coverage requirements that can help drivers finding adequate auto insurance in Utah. As a result, please use this guide as an aid while searching for adequate auto insurance coverage in Utah.

Utah's auto insurance laws require drivers to purchase bodily injury coverage.

For example, drivers must purchase at least $25,000 of bodily injury liability coverage per each injured person that is injured in an auto accident. Moreover, drivers must also purchase at least $50,000 of bodily injury liability coverage to cover potential accident-related damages. Utah laws require drivers to purchase this coverage because Utah's auto insurance laws feature a "No-Fault" clause that allows drivers to recover damages sustained in an auto accident without having to prove who was At Fault for the accident.

Utah's auto insurance laws also require drivers to purchase property liability coverage.

This coverage must include at least $15,000 of property damage liability coverage to cover potential accident-related property damage. This requirement was installed to provide coverage for accident-related property damage that is not covered by Utah's bodily injury liability insurance coverage requirements.

Utah's auto insurance laws allow drivers to purchase supplemental auto insurance coverage.

For example, drivers may purchase supplemental plans that cover personal injuries that are not covered by a third-party bodily injury liability policy. Moreover, drivers may also purchase supplemental coverage that protects them from the risks that are associated with driving near uninsured motorists. Utah drivers may also purchase a comprehensive auto insurance policy that exceeds state requirements for casualty and property damage coverage.

For more details and information, please contact Utah's Insurance Department.

The Utah Insurance Department may be reached during normal business hours at (801)-538-3800 or toll-free anywhere in Utah at (800)-439-3805.