Utah Auto Insurance Attorney
The state of Utah requires automobile drivers to purchase bodily injury liability coverage and property damage liability coverage. At a minimum, the driver must have bodily injury liability coverage of at least $25,000 per person injured in any one accident and $50,000 total for all persons injured in any one accident. Additionally, the driver must have a minimum of $15,000 property damage liability coverage for the destruction of the property of others as a result of an automobile accident. This is often represented as 25/50/15 coverage. Utah state law requires the purchase of personal injury protection coverage of at least $3,000 to cover reasonable and necessary medical expenses sustained by the policyholder or the policyholder's passengers, without regard to fault.
Utah is unique in that drivers may choose between a "split limit" and a "single limit" policy. The split limit policy is the 25/50/15 coverage described above. The single limit policy allows policyholders to purchase coverage with a single limit of $65,000 per accident for all damages sustained in that accident.
Utah follows a No-Fault system. Under such a system, the insurance company will pay injury claims, regardless of fault, up to a specified limit; however, some of the legal rights to sue a negligent driver under a No-Fault system are significantly limited. Details of a No-Fault system vary from state to state. As such, please check state insurance regulations to determine the current details of the Utah No-Fault system.
Automobile drivers must purchase uninsured motorist/underinsured motorist bodily injury coverage. This type of insurance is meant to cover bodily injuries caused by an uninsured/underinsured driver. At a minimum, the driver must have uninsured/underinsured motorist coverage of at least $25,000 per person injured in any one accident and $50,000 total for all persons injured in any one accident caused by an uninsured/underinsured motorist.
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