Utah Car Insurance (UT)

Utah is a no-fault auto insurance state, which means that owners of car insurance policies are required to carry some "first party" protection as well as the standard liability coverage. Utah's minimum liability requirements for bodily injury are $25,000 for an individual and $50,000 for any one incident. Minimum property damage liability coverage is $15,000.

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Minimum Insurance Requirements in Utah

Liability coverage pays for costs associated with the other car and its passengers should you be involved in an accident that is your fault. The figures mean that your insurance company will pay up to $25,000 in injury-related costs for any one person in the other car and a maximum of $50,000 for all passengers in that car. The property damage coverage pays for damage to the other car and any fences, poles or buildings that might be involved.

Also required is a minimum of $3,000 in personal injury protection (PIP). This is the no-fault section of the policy; this money pays for your immediate medical costs regardless of who is at fault.

Utah also has a statutory requirement for uninsured and underinsured motorist coverage. This insurance is meant to pay your costs should you be involved in an accident with an uninsured motorist or one whose coverage will not meet all of your expenses. This insurance is for bodily injury only and does not include property damage. The minimums for an uninsured driver are the same as for liability coverage: $25,000 per person and $50,000 per accident. For an underinsured motorist, the minimums are $10,000 per person and $20,000 per accident, also for bodily injury.

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Additional Insurance Coverage Options in the State of Utah (UT)

These minimums do not provide a lot of financial protection, and most drivers carry liability coverage with substantially higher limits. Also missing is any extensive coverage for your medical costs should you be at fault in an accident; a higher limit on PIP is probably a sensible choice.

There is also not much protection for the damage to your car. There are two types of optional insurance coverages for that purpose. Collision coverage will pay for the repairs to your car after an accident that is your fault. Comprehensive coverage will pay for damages to your car from non-accident occurrences such as storm damage, fire damage, theft or vandalism. Each of these clauses will include deductible payments. Opt for the highest deductible you think that you can afford; it will help to lower your monthly premiums.

You can also buy insurance to cover the cost of towing your car from the scene of an accident. In addition, most insurance companies will sell you coverage for a rental car to be driven while your vehicle is in the shop.

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