CAR INSURANCE LAWS
State minimum insurance requirements in Utah
In Utah, the state minimum coverage requirements are as follows:
Liability
Bodily Injury $25,000 per person
Bodily Injury $65,000 per accident
Property Damage $15,000 per accident
Personal Injury Protection (PIP)
$3,000 per person
Optional coverage in Utah (varies by carrier):
Comprehensive
Collision
Loan/Lease Payoff
Rental Car Reimbursement
Roadside Assistance
Uninsured/Underinsured Motorist Bodily Injury
Uninsured/Underinsured Motorist Property Damage
Liability coverage is legally required in Utah and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Utah, the minimum is listed as 25/65/15 and explained below:
$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
$65,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
$15,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.
Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP doesn’t automatically include coverage for work loss in Utah but it can be added. The minimum PIP coverage amount of $3,000 per person is required on your policy.
These numbers reflect the minimum limits required in Utah but higher coverage amounts are available with most companies.
Utah is a no fault state!
What does this mean for you?
Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.
