Utah state law requires all drivers to have auto insurance that meets specific minimum coverage amounts to help protect both themselves and others on the road in case of an accident. The minimum car insurance requirements in Utah include liability coverage of at least $25,000 for bodily injury or death per person, $65,000 total for bodily injury or death per accident, and $15,000 for property damage per accident.
In addition to the mandatory liability coverage, Utah drivers can also choose to add optional coverage types to enhance their protection. These may include:
1. Uninsured/underinsured motorist coverage: This coverage helps pay for expenses related to an accident caused by a driver who has insufficient or no insurance.
2. Personal injury protection (PIP): PIP coverage can help pay for medical expenses, lost wages, and other related costs for you and your passengers regardless of who is at fault in an accident.
3. Comprehensive coverage: This coverage protects your vehicle from damages not caused by a collision, such as theft, vandalism, or weather-related incidents.
4. Collision coverage: Collision coverage helps pay for damages to your vehicle resulting from a collision with another vehicle or object.
It's essential to review and understand your car insurance policy to ensure you have adequate coverage that meets your individual needs and budget. Comparing quotes from multiple insurance providers can help you find the best coverage options at competitive rates. Additionally, maintaining a good driving record and taking advantage of available discounts can help lower your insurance premiums while still maintaining sufficient coverage in case of an accident.
