Auto liability insurance is required in the majority of states. Drivers must buy at least the minimum level of liability insurance allowed by state law. Two components make up liability coverage: If you cause an accident, bodily injury responsibility may assist cover the costs associated with another person’s injuries.
What insurance is mandated under Utah law?
Utah Auto Insurance Requirements – All Utah drivers are required to carry evidence of auto insurance and produce it upon request from a law enforcement official. Utah mandates the following minimum auto insurance coverages: Liability for bodily injury: $25,000 per person and $65,000 per incident Property damage liability: $15,000 per accident $3,000 per accident for personal injury protection * Uninsured motorist: $25,000 per person and $65,000 per accident** Underinsured motorist: $25,000 per person and $65,000 per accident** **Uninsured and underinsured coverages may be denied in writing.
Auto insurance regulations in Utah – Automobile insurance is compulsory in Utah. In addition, all drivers are required to carry proof of coverage when behind the wheel. Not holding the proper insurance exposes you to danger and can result in severe fines. To learn more about alternatives and necessary coverages in Utah, start by reading the following information.
| Minimum Liability Coverage: 25/65/15 | Person Injury Protection (PIP) |
| $25,000 for bodily injury per person $65,000 for bodily injury per accident $15,000 for property damage per accident | $3,000 per person |
These are the minimum standards imposed by Utah; however, a lender or leasing business may demand additional coverage to safeguard your car from physical harm. This is commonly known as comprehensive coverage.
Does Utah need comprehensive insurance?
Each state mandates various forms of insurance coverage with minimum liability limits. The insurance industry suggests that your bodily injury liability limits should be at least $100,000 per person and $300,000 per incident. As a no-fault (see glossary) state, Utah needs at least $3,000 in personal injury protection in addition to liability coverage (medical payments coverage).
Utah law demands the following for vehicle insurance policies: Minimum Liability Required: $25,000 per victim for physical harm. $65,000 per accident for injuries $15,000 per accident for property Personal Injury Coverage (PIP). In addition, Utah’s no-fault statute mandates that you purchase a minimum of $3,000 in PIP coverage.
PIP refers to the coverage that pays for your medical bills in the event of an accident. Coverage for uninsured and underinsured motorists. Those who fear being involved in an accident with an uninsured driver can acquire this extra policy to ensure their damages are compensated.
Collision and Comprehensive coverage. Collision insurance covers damages to your vehicle resulting from a collision with another vehicle, an object, or a rollover. Although collision coverage is not mandated by law, the majority of lenders demand it for financing. Comprehensive insurance protects your vehicle from risks such as fire, theft, glass damage, hail, wind, flood, and vandalism.
Comprehensive is also not necessary. If you have an older vehicle, consider removing these coverages to reduce your costs. If you can afford it, it is advisable to take extra insurance than the minimum required by law. Consider how much insurance you will need when you need it the most.
What form of auto insurance is mandated in Texas?
In Texas, minimum liability coverage requirements are $30,000 per wounded person, up to a total of $60,000 per accident, and $25,000 per accident for property damage. This standard coverage is known as 30/60/25.