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.
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.
