{"id":67,"date":"2022-03-31T04:00:00","date_gmt":"2022-03-31T10:00:00","guid":{"rendered":"https:\/\/www.utahautoinsuranceagent.com\/blog\/?p=67"},"modified":"2022-04-07T11:13:37","modified_gmt":"2022-04-07T17:13:37","slug":"what-is-liability-car-insurance","status":"publish","type":"post","link":"https:\/\/www.utahautoinsuranceagent.com\/blog\/what-is-liability-car-insurance\/","title":{"rendered":"What is Liability Car Insurance?"},"content":{"rendered":"

Accidents are an unfortunate reality of driving a vehicle, and while you’ll hopefully avoid being in one, having the right insurance coverage is key. If you are deemed legally responsible for a car accident, then you may be on the hook for paying all related medical bills, auto repairs, and physical property damage for yourself and any third parties involved. Consequently, having adequate liability coverage on your personal auto insurance policy is vital. Liability insurance can vary from provider to provider, but it typically includes two key components:<\/p>\n

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  1. Bodily Injury Liability<\/strong>: If you are at fault in an accident, bodily injury liability will cover the medical bills for those injured up to your policy limits. Additionally, it will cover legal fees and loss of income that a third party suffers by not being able to work.<\/li>\n
  2. Property Damage Liability<\/strong>: Pays for the costs to repair or replace items damaged in an accident, such as a vehicle, home, fencing, or store.<\/li>\n<\/ol>\n

    Utah requires that all motorists maintain at least the below liability coverage:<\/p>\n

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    • Bodily injury liability:<\/strong> $25,000 per person and $65,000 per accident<\/li>\n
    • Property damage liability:<\/strong> $15,000 per accident<\/li>\n
    • Personal injury protection:<\/strong> $3,000 per accident<\/li>\n
    • Uninsured motorist:<\/strong> $25,000 per person and $65,000 per accident<\/li>\n
    • Underinsured motorist:<\/strong> $25,000 per person and $65,000 per accident<\/li>\n<\/ul>\n

      When shopping for an auto insurance policy, keep in mind that these figures are just the minimum. An accident is likely to exhaust your liability coverage quickly if you only go with the minimum requirements. Consequently, you will want to purchase a liability insurance policy with enough coverage to protect the entirety of your assets if you are responsible for an accident.<\/p>\n

      At United Insurance Services Inc. in Bluffdale, UT, we know the insurance industry inside and out, so we’ll be able to help you find the perfect auto insurance policy. <\/p>\n","protected":false},"excerpt":{"rendered":"

      Accidents are an unfortunate reality of driving a vehicle, and while you’ll hopefully avoid being in one, having the right insurance coverage is key. If you are deemed legally responsible for a car accident, then you may be on the hook for paying all related medical bills, auto repairs, and physical property damage for yourself […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[5,7],"class_list":["post-67","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-bluffdale-ut","tag-united-insurance-services-inc"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t