Car insurance is a requirement for drivers in Utah, just like it is in most states. Car insurance helps protect drivers financially in case they are involved in an accident or their car is stolen. In this article, we’ll discuss Utah’s car insurance requirements, no-fault car insurance, liability car insurance, optional car insurance, and the most stolen cars in Utah.
Utah Car Insurance
Car Insurance Requirements
Utah requires all drivers to have liability car insurance. Liability car insurance covers the costs associated with injuries or property damage you may cause to other drivers, passengers, or their property. The minimum amount of liability car insurance required in Utah is:
- $25,000 for bodily injury or death of one person in an accident
- $80,000 for bodily injury or death of two or more people in an accident
- $15,000 for property damage in an accident
These are the minimum amounts required by law, but it’s recommended that you purchase more coverage to protect yourself in case of a serious accident.
No-Fault Car Insurance
Likewise Utah is a no-fault car insurance state. Additionally in Utah, drivers are required to carry both no-fault and liability auto insurance. This (no-fault) means that regardless of who caused the accident. Your insurance company will pay for your medical bills and other related expenses up to the limits of your policy. However, if you’re found to be at fault for the accident, your insurance premiums may increase. Additionally Utah’s no-fault car insurance law is designed to help reduce the number of lawsuits resulting from car accidents. Likewise you must be a Utah resident or being a non-resident who has been in the state for at least 90 days.
Liability Car Insurance
Liability car insurance is required by law in Utah. This covers the costs associated with injuries or property damage you may cause to other drivers, passengers, or their property. Liability insurance does not cover your own medical bills or the costs of repairing your own vehicle. Likewise if you want coverage for your own medical bills and vehicle repairs, you’ll need to purchase additional insurance coverage.
Optional Car Insurance
While liability car insurance is required in Utah, there are other types of car insurance that are optional but may be beneficial to you. These include:
- Collision coverage: This type of coverage pays for repairs to your vehicle if it’s damaged in an accident, regardless of who is at fault.
- Comprehensive coverage: This type of coverage pays for repairs to your vehicle if it’s damaged in a non-collision event, such as theft, vandalism, or a natural disaster.
- Uninsured/underinsured motorist coverage: This type of coverage pays for your medical bills and other related expenses if you’re involved in an accident with a driver who doesn’t have enough insurance to cover your expenses.
- Personal injury protection (PIP) coverage: This type of coverage pays for your medical bills and other related expenses if you’re involved in an accident, regardless of who is at fault.
Most Stolen Cars in Utah
According to the National Insurance Crime Bureau, the most stolen cars in Utah are:
- 2004 Chevrolet Pickup (Full Size)
- 1997 Honda Civic
- 1997 Ford Pickup (Full Size)
- 2006 Chevrolet Impala
- 2003 Dodge Pickup (Full Size)
- 1996 Subaru Legacy
- 1996 Honda Accord
- 1996 Jeep Cherokee/Grand Cherokee
- 2005 Nissan Altima
- 1996 Toyota Camry
Lastly if you own one of these cars, it’s important to take extra precautions to prevent it from being stolen. This may include parking in a well-lit area, installing an anti-theft device, or keeping your car in a garage.
In conclusion, car insurance is a requirement for drivers in Utah. Liability car insurance is mandatory, but it’s recommended that you purchase additional coverage to protect yourself in case of a serious accident.
Always double check with an insurance agent as laws and rules do change.