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.
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
