Utah Auto Insurance

Auto insurance is mandatory in Utah. If you are found having no license for your car, then your car registration will be cancelled. For restoration of the registration, you must produce evidence of insurance along with the registration card and a restoration fee. Though at the time of registration of the car, insurance is not compulsory, the state has perfect mechanism to find out the registered vehicles which are not insured. The car owners are required to produce the evidence of insurance to the state authorities at any time though it is not necessary to carry the copy of insurance policy with you always.

The insurance policy issued by another state for your car registered in Utah is not valid and you must obtain a policy issued by the agents at Utah. Persons staying at Utah not for more than 90 days are exempted from taking insurance policy at Utah. However if your stay exceeds 90 days then you have to follow the rules of the state. However there are certain categories of people like temporary workers, on-resident students and persons temporarily engaged in social work who are exempted from obtaining insurance policy issued in Utah.

Minimum Coverage Requirement:

Utah is a “no fault state” which means that nobody has to take responsibility for the accident and the victims are entitled to claim compensation from their insurance companies respectively. The minimum requirement for coverage in Utah is $25000 for injury to an individual, $500000 for an accident and $15000 for damage to property.

There are some exceptions to the “no fault” concept and sometimes one has to pay compensation to the other victim. Hence it is always desirable to take a minimum coverage to protect you from heavy expenditure. Sometimes it may happen that the insurer’s liability will be more than the coverage as the coverage amount is not adequate to meet the compensation payable to the victim. As such the car owners have to be prudent and careful while fixing the coverage limit. The other non compulsory coverage like comprehensive and collision may serve the purpose if the damage to your car is due to natural calamity or due to an accident on account of your own fault.

Insurance of your car is for your welfare and it gives you the protection from the likely losses that you are liable to incur in case of an accident. Hence get your car insured as soon as your registration is over. Decide the amount of coverage based on your affordability to pay the premium and also the amount of risk involved in case of an accident. Follow all the laws of the state with reference to your insurance to save you from any complications in future. Get updated with all recent offers from the insurance companies to avail discounts in the premium. Safety devices to protect thefts will allow you considerable discounts. Do not hesitate to seek clarifications from the insurance companies in case of any doubt about the policy.