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Utah Car Insurance Coverage

Utah auto insurance coverage includes several kinds of insurance, some of which are required by the state and some of which are not. Whether you're a driver who is new to the state or have been a motorist there for a while, it's important to familiarize yourself with the types of car insurance offered in the state. That way, you can make sure your coverage not only meets UT requirements but also that you have the coverage that is best for you.

Utah Required Auto Insurance

The state of Utah requires all motorists to have two types of automobile insurance coverage. the first of these is liability coverage, which has two subcategories. At its most basic, liability coverage is insurance that covers another person's damages when you cause an accident that hurts their person or property.

The first type of liability insurance is bodily injury coverage. This coverage pertains specifically to injuries sustained by individuals in a car accident, and generally covers their medical bills. However, this type of insurance will also cover funeral costs for anyone killed in an accident you cause and will sometimes cover things like lost wages and in-home medical help that come about as a direct result of the automobile accident.

The second type of liability insurance is property damage coverage. This pertains to damage done to another person's property in an accident that is determined to be your fault. Normally, the property damaged in a car accident is a vehicle, though this coverage will also pay to repair buildings, landscaping, signage, and any other property that is damaged or destroyed as a result of the accident.

Utah stands out in that it requires all motorists to carry more than just liability coverage. It also requires everyone who drives in the state to carry Personal Injury Protection coverage. This insurance helps pay the medical bills of you and your passengers in case of an accident, regardless of who is at fault. Often, this insurance will pay as soon as the accident happens, instead of tying medical bills up in haggling and lawsuits between vehicle insurance companies.

As stated above, these types of car insurance are required in UT. It is the responsibility of each Utah motorist to check his own policy to make sure he is carrying the correct types and amounts of insurance. Since the penalties for not carrying enough insurance are strict in Utah, it's important to take a few minutes to check on this.

Utah Optional Auto Insurance Coverage

In addition to the automobile insurance required by the state, there are other types of auto insurance that you can purchase. Though not required, it's usually a good idea to have these if you can afford the premiums, as they can save you money if you are ever in a bad accident.

Physical damage coverage is popular in Utah. This is a broad term that covers all types of insurance that will pay if your vehicle is damaged, even if you caused the accident and damage yourself. Generally, physical damage coverage comes in two types.

Collision insurance is the first type of physical damage coverage offered in UT. This insurance will pay to repair or replace your vehicle if it is damaged or destroyed in an accident. Having this insurance often means that you can get back on the road again quicker than if you had to pay for everything yourself.

Comprehensive insurance is the other type of physical damage coverage that is common among Utah drivers. It pays to repair or replace your vehicle if it is damaged or destroyed in some way other than a car accident. This coverage usually includes damage caused by acts of God and/or by the malicious intent of another human being, and is the type of insurance that covers auto vandalism and theft.

Uninsured and underinsured motorist insurance is also common in the state. This coverage pays for your physical damages and any injuries if you are in an accident that is caused by a driver who does not carry insurance or does not carry enough to cover your damages. It can save you a lot of time, hassle, and money, as many drivers can only afford to carry the state's minimum required amounts of insurance, but many accidents cause damages above those amounts.

At this point, you should have all the information you need to make wise choices about your auto insurance coverage in Utah. Be sure to take into account your particular vehicle, your family's financial situation, and the drivers you are purchasing coverage for when you make your choices. Once you know what you want, talk to several vehicle insurance companies before you make any purchases. This will allow you to get the best deal possible on your premiums.

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