Utah Car Insurance
Car Insurance » Utah
Utah Car Insurance
The forecast for lots of wet and heavy snow for Utah residents which could lead to a number of accidents on the road should remind drivers how important it is to protect themselves and their vehicular investments by making sure that their car insurance is paid up. Drivers need to be clear on the type of coverage that they have and might even need to take a refresher on how car insurance works. For instance how are you covered if you collide with another driver? Or what happens if a tree burdened under the weight of heavy snow falls on your windshield? As a driver you should understand the basics of collision, liability and comprehensive insurance and know when each type is applicable to your situation.
The requirements for Utah car insurance are different for each state and in Utah you must have auto insurance in order to drive legally in that state. That said let’s cover what the minimum legal requirements are for Utah.
First things first, Utah is a no-fault state which means that drivers must pay for Personal Injury Protection which will cover the cost of their care and treatment if they have an accident. The minimum required for PIP is $3k. Also required in this state are minimums of $25k worth of coverage per person to cover bodily harm, $65k for each accident for body injury and $15k per accident for the damage of property. You should take note that these are just the minimum that the state demands so you should get more if you think you need more.
Give serious consideration to Collision Coverage which will cover you in case you collide with another vehicle or object. It is not mandatory but if you plan to finance the purchase of the car some lenders will insist that you include this type of coverage.
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