Auto insurance is legally required, even though UT is a no-fault state. Drivers must have property and bodily injury insurance to cover the other person’s damages if they cause an accident. Personal injury protection (PIP) is also legally required to ensure your personal medical bills are covered. However, that doesn’t always mean there’s enough coverage.
United Insurance Services, Inc., serving Draper, UT, explains.
Low Coverage Minimums
Although coverage is legally required, the minimum requirements are often very low. PIP coverage must be at least $3,000 per person. These few thousand are supposed to cover your medical bills and lost wages. However, a helicopter ride to the hospital can cost up to $80,000.
Bodily injury limits often run into the same problem when you have to pay for the other driver’s injuries. Property limits of $50,000 may cover the cost of a car, depending on the other person’s vehicle. It may not be enough to cover a telephone pole, a new gas pump, or a customized vehicle.
An agent at United Insurance Services, Inc. can help you obtain higher limits to ensure you’re covered before an accident happens.
What If You Don’t Have Enough Coverage?
If you’ve already been in an accident and don’t have sufficient coverage for damages, you’re still financially liable for medical bills, property damage, and more. You’ll more than likely face a lawsuit for property damages and possibly medical bills. If you don’t have the appropriate PIP for your injuries, you’ll face extreme financial hardship.
Speak with one of our agents at United Insurance Services, Inc. to ensure you have ample coverage. We’re currently serving Draper, UT.