Minimum Liability Auto Insurance in Utah
Reader’s Question:
I am planning to get auto insurance for my car. I am only looking to get the minimum liability insurance in Utah. How much do I get?
Helena
Salt Lake City UT
In Utah, all drivers must carry proof of car insurance and present it to any police officer upon request.
In Utah the required liability limits is 25/50/15. This means you need to get bodily injury liability limits of $25,000 per person up to $50,000 per accident and $15,000 per accident for property damage.
The no-fault law of Utah also requires drivers to purchase a minimum of $3,000 in personal protection injury (PIP). This type of coverage pays for your medical expenses in case of an accident.
If you want protection against damages caused to you and your passengers by an uninsured motorist you can get the minimum limits of Uninsured/Underinsured Motorist coverage of $25,000 per person up to $50,000 per accident for any bodily injury caused by an uninsured motorist. Hope this helps with your search for auto insurance in Utah!
Dave
Cheap Liability Insurance Coverage in Utah
Reader’s Question:
I am getting quite confused about a lot of things regarding these insurances. I’m from Sandy, Utah, and I was about to get an auto insurance. So, I asked my friend, and he told me that I would need liability insurance. He couldn’t explain well what it was all about, though, so here I am asking.
Asher
Sandy, UT
Hi there, Asher. I also asked my agent about that liability insurance thingy, and he explained it to me quite well, actually. Anyways, I don’t know how it is there in Sandy, Utah, but as far as I know, most of the states here in the country make it compulsory that drivers have liability insurance. Just check your state’s laws for this.
By law, liability is required although you do not need to have any additional coverage. Liability is actually cool because it may protect both the other party and yourself especially if the one at fault in the accident is you. I think it covers physical injuries and it also pays for medical bills and lost wages, the properties you damaged in the accident, and also for punitive damages in case the other driver decides to see you in court.
Here is the catch, though. My agent told me the auto insurance company only covers the amount that you have purchased or less. Like if the cost of damages that were involved in the accident totals to $100,000 but the liability coverage you bought is only for $50,000, you’re in trouble because you are going to be the one to pay for the excess. And this is going to be a legal obligation that you will have to accomplish regardless of your bankruptcy or death. So, it affects you for life. It is kind of disturbing because the plaintiff has the power to sue your estate for uncollected damages. But I think it is better to have this just for protection. Just imagine if you don’t have it then suddenly need it.
Mandatory Liability Car Insurance in Utah
Reader’s Question:
I need to get car insurance on my vehicle and I just want to get the minimum that is required by the Department of Motor Vehicle in Utah. What is the minimum liability coverage in Utah?
Richard
Salt Lake City, UT
No-fault insurance in Utah must be maintained on all passenger cars throughout the vehicle’s registration period if: the owner/operator, you are a resident in Utah or if the owner/operator operates a car that has been in Utah for 90 days or more during the preceding 365 days. All drivers must carry proof of insurance and present it to any law enforcement officer upon request.
Utah law requires liability limits of 25/50/15 and these numbers stand for bodily injury of $25,000 per person for bodily injury up to $50,000 per accident and $15,000 per accident for property damage.
Also the no-fault law of Utah requires drivers to purchase a minimum of $3,000 in personal protection injury (PIP). Basically this coverage will pay for your medical expenses in case of an accident.
To help protect you and your passengers against damages by an uninsured motorist, Utah state law requires a minimum Uninsured/Underinsured Motorist coverage of $25,000 per person, $50,000 per accident for any bodily injury caused by an uninsured motorist.
Mandatory Minimum Car Insurance Coverage in Utah
Reader’s Question:
What is the minimum coverage required in of Salt Lake City, Utah?
Carmelia
Thank you for asking Carmelia.
In Utah, the law requires liability limits of 25/50/15. These numbers stand for
$25,000 per person for bodily injury
$50,000 per accident for bodily injury
$15,000 per accident for property.
The no-fault law of Utah also requires drivers to purchase a minimum of $3,000 in personal protection injury (PIP). This coverage basically pays for your medical expenses in case of an accident.
Utah state law also requires a minimum Uninsured/Underinsured Motorist coverage. The amount of $25,000 per person up to $50,000 per accident for any bodily injury caused by an uninsured driver. This will protect you against damages caused to you and your passengers by an uninsured driver.
Goodluck!
MariCAR
