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Utah Auto Insurance: Things You Need to Know

Do you live in or near Bluffdale, UT? Are you in need of auto insurance? If so, you should reach out to our experts at United Insurance Services Inc. But before you buy a policy, there are a few things you need to know about auto insurance in Utah. 

Minimum Coverage Requirements

Utah requires drivers to have a minimum amount of liability coverage in order to own and operate a vehicle, which includes $25,000 for bodily injury per person, $65,000 for bodily injury per accident, and $15,000 for property damage. It’s important to note that these minimums may not provide enough coverage in the event of a serious accident, so it may be wise to consider increasing your coverage. More coverage will cost you more in monthly premiums, but it could save you a fortune if you get in an accident.

No-Fault Insurance

Utah is a no-fault insurance state. This means that, regardless of who is at fault for an accident, each driver’s own insurance company is responsible for covering their medical expenses and lost wages. However, if your medical expenses exceed your policy limits or if your injuries are severe, you may be able to seek additional compensation from the at-fault driver. The circumstances of your case, as well as your policy, will dictate how the allotment of benefits is given.

Uninsured Motorist Coverage

Utah requires drivers to have uninsured motorist coverage, which provides protection if you are in an accident with a driver who does not have insurance. This coverage also helps in the event that the other driver does not have enough insurance to cover your damages. Either way, it is a requirement in the state of Utah and a good idea to have in general.

Optional Auto Coverage

In addition to the required minimum coverage, Utah drivers can also choose to purchase additional types of coverage, such as collision coverage, comprehensive coverage, and personal injury protection (PIP) coverage.

We Are Here To Help!

If you live in or near Bluffdale, UT, don’t forget to reach out to us at United Insurance Services Inc. to acquire auto insurance!