Does New Driver in Utah Get Auto Insurance Coverage From Parent
Reader’s Question:
This is Savannah from Layton, Utah. My parents gave me their spare car as a present, and I just got my driver’s license. If they’re covered, the car is still titled to them, would I still need my own insurance?
Savannah
Layton, UT
Good day to you, Savannah! I am Denny, and I just acquired my first car 2 months ago in pretty much the same way you did– courtesy of my parents.. Though I live just three blocks away from them, they’d like me to be as independent from them as possible. So they had the car title transferred to my name, and I had to get my own insurance because of that.
I think the main idea is that you would only need to get your own car insurance if the car were “legally” yours, so to speak– that is, if it’s titled to you. Now, I don’t know how things are with you and your parents there in Layton, Utah, but if you’re still living with them, and they have insurance for the car that is still under their name, then you shouldn’t need to get your own insurance. What you need, though, is to have them list you as the primary driver of that car. And you might also ask them if they could have you listed as an occasional driver of the other cars for good measure– as you would only get coverage for driving their other cars if your name is included in the policy.
Will Leased Car Company Pay For Auto Insurance in Utah
Reader’s Question:
Is it true that the lease company will pay for your auto insurance if you are leasing a vehicle? I live in Salt Lake City, Utah.
Michelle
Salt Lake City, UT
I think that is not true. The leasing company in Salt Lake City, Utah do not pay for the car insurance if you are leasing a vehicle with them. In the leasing documents it probably states there that you are responsible for carrying not only the state minimum mandated liability car insurance on the automobile but physical damage coverages of comprehensive and collision.
If you do not maintain the proper insurance on the vehicle and the leasing company finds out about it, what could happen because of this would be determined by the terms of your leasing documents. It is possible that the leasing company place “forced” insurance on the car, which would cover their asset which is the car. Normally, forced insurance is charged to you if you let the required auto insurance lapse.
When the leasing company gets the “forced” insurance for you, these charges are subject to interest and the car insurance premiums will be higher than if you buy the auto insurance yourself. This forced insurance will provides protection to the financial institute or the bank, not you the lessee, for their interest in the vehicle.
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.
What is a Utah Non Owner SR22 Auto Insurance?
Q: What is a Utah non owner SR22 policy?
A: As someone who is required to file an SR22 form in order to get your license unsuspended, you will be required to do so regardless of whether you own a car or not. If you do not own a car, then instead of getting a normal SR22 insurance policy, you will instead be required to file Utah non owner SR22 car insurance. Non owner insurance is not only for SR22s, but is also often used for business people who regularly drive a company car, or others who don’t own a car and drive cars of people who don’t have insurance.
Your Utah non owner SR22 policy will be more pricey than a similar owner-operator policy, but you will have to file fewer claims so long as you’re driving cars which are already insured. In an accident, the car’s insurance kicks in first, and yours second. If you buy your own car, then you will have to drop your Utah non owner SR22 policy and exchange it for an owner-operator policy.
