Car insurance in Utah is important. Utah requires its drivers to maintain the following coverages with at least these minimum limits:
- $25,000 bodily injury liability per person
- $65,000 bodily injury liability per incident
- $15,000 for property damage liability per incident
- $3,000 personal injury protection (PIP) per person
Responsibility can help pay for someone else’s medical and repair bills if you find fault in a car accident. PIP, on the other hand, can help defray the costs of their medical (or more) after an accident, regardless of fault.
As a rule, you will see the boundaries of minimum liabilities denominated in 25/65/15.
How fault works after an accident
Utah is a state without fault. This means that your own PIP policy can help pay for some medical expenses after a car accident to a certain limit. An at-fault driver can still be held liable for medical expenses, which is why bodily injury liability coverage is required.
You can customize your coverage PIP (including lost the protection of wages, for example), when you buy your policy.
One quick note: no-fault insurance does not cover damage to the property. Liability insurance for damage to property on the driver’s error protection can help pay for someone else’s car repairs or replacement.
Car Insurance In Utah – How claims settlements are determined
Utah uses a comparative negligence law. This means that more than one driver can be found in the wine, and you can only sue for damages if you are found in less than 50 percent at fault. If you find that 10 percent of fault, the insurer at-fault driver may offer you a settlement of claims, which pays up to 90 percent of your expenses after an accident.
Proof of insurance rules in Utah
Both drivers have to produce proof of car insurance in the event of an accident. Insurance customers in your state can now use our mobile application for a different purpose – an innovative electronic insurance policy! Utah law considers electronic identity card is sufficient evidence of automatic coverage if you get pulled over or need to produce evidence of any other cause of insurance.
Optional coverages from esurance
Adding some of these additional protections will give you extra peace of mind and financial security in the event of a claim:
- Uninsured motorist bodily injury
- Uninsured motorist property damage
- Underinsured motorist bodily injury
- Underinsured motorist property damage
- Emergency Roadside Service
- CarMatch Rental Coverage®
- Customized parts and equipment
- Loan/lease gap
Check out the video—->CAR INSURANCE QUOTES UTAH: