Transporting Students without Car Insurance Coverage
Reader’s Question:
Is it fine to transport students to and from school regularly in South Davis, or even on field trips, as a school employee, without any specific car insurance coverage?
Carlos
South Davis, UT
You will need to contact your car insurance provider in South Davis UT about how you frequently transport school age students in your personal car during your work hours. Whether you will need specific auto insurance coverage is up to the person’s policy, so once you inform your insurance carrier of what you do with your personal car they should be able to tell you if your current auto insurance policy is enough or if you need to make any changes.
If you have question about certain areas of coverage this should be specified , likely it is bodily injury liability coverage that you want to cover damages if you are at fault in an accident.
Should I Remove Additional Car Insurance Coverage?
Q: I’m trying hard to pay off my car along with my West Valley City SR22 insurance every month, but it’s so difficult. Do you think if I dropped the exrta coverage my car financer will find out?
A: It’s not certain that they will find out, but if I were you I wouldn’t risk the possibility of getting your car repossessed if they do. In addition to that, dropping to minimum liability while you’re still paying off a car is very dangerous. If you get into a car accident, you could lose your car and still have housands of dollars to pay off before you could even think of getting a new one. You would ruin your credit and they would probably take you to court, as well.
Instead of taking drastic measures with your West Valley City SR22 coverage, try raising your deductibles on your extra coverages instead. If you assume a thousand dollars more in risk than what you have right now, you could save hundreds of dollars easily.
A deductible is what you have to pay out to your West Valley City SR22 car insurance company when you get into an accident before your insurance will kick in. In order to be safe, make sure you keep some money to the side so you’ll be able to pay your deductibles in the event of a crash.
What Car Insurance Coverage Should I Get with SR22?
Q: What level of coverage am I required to have on my Orem SR22 policy?
A: In Utah, you must have liabiliy coverage on your Orem SR22 in order to meet the legal requirements. As to the levels of coverage required for liability, you must have fifty thousand dollars for death and bodily injury per accident, with twenty five thousand dollars per person; and you must also have fifteen thousand dollars of property damage liability coverage.
While these are the only limits you need on your Orem SR22 in order to follow the law, they are pretty low according to many car insurance agents. Suggesed limits are often higher to protect you the most in a car accident, and tend to be around three hundred thousand dollars for bodily injury and death per accident and one hundred thousand dollars for property damage.
In addition to the state required coverages, you may also have to add comprehensive and collision coverage to your Orem SR22 policy if you are buying or leasing your car. Although this is not a requirement of the state, it is usually a requirement of the financer, and failing to get it could end in the repossession of your car.
