Utah drivers are mandated to carry three main types of liability insurance coverage, these include bodily injury coverage, property damage insurance, and uninsured and underinsured insurance coverage. By having these three forms of liability insurance in place, Utah drivers can rest easy in knowing that they are protected from claims that might be filed against them if they cause an automobile accident. Damages covered with these forms of insurance include injuries people might endure in the accident as well as payment for any property that is damaged in the accident.
In Utah, the state minimum liability coverage is 25/50/15. This means Utah drivers must have bodily injury insurance coverage that pays a minimum of $25,000 per person as well as at least $50,000 of coverage per accident. The insured driver is also required to have insurance in place to provide a minimum of $25,000 in coverage for any property that was damaged because of the accident caused by the insured driver. The underinsured an uninsured insurance that Texas drivers are required to carry, on the other hand, must provide $25,000 of coverage per person and $50,000 of coverage per accident.
The Bodily Injury Liability insurance, which is known as BI for short, is used to cover the expenses that are associated with the injury or death of any other individuals that were harmed by the accident. Those people that are covered by this type of insurance include the driver or the drivers of other vehicles that were involved with the accident. Passengers of the insured driver’s vehicle or in any the other vehicles involved in the accident are also covered as are pedestrians. Utah drivers are required to have at least $25,000 worth of bodily injury coverage per person and $50,000 of coverage per accident.
Property Damage insurance, or simply PD for short, is a type of insurance coverage that takes care of the expenses that are associated with property that was damaged in an accident. This form of insurance takes care of the costs of replacing or repairing other vehicles or other property that was damaged in the accident. Utah drivers also must carry a minimum of $15,000 of property damage coverage per accident.
Utah drivers are also required to present proof of insurance coverage before they are able to register their vehicles or legally drive in the state. Insurance companies in Utah provide their clients with temporary proof of insurance cards and these are the simplest way to prove that insurance coverage is in place. There are other methods that drivers may use, however, such as using the actual insurence policy as proof or showing the receipt from the premium payment.
Utah drivers that have purchased a new vehicle within the past 60 days must be able to demonstrate proof of insurance coverage for the vehicle they have purchased. Proving coverage can be accomplished by showing that the vehicle that was replaced had proper coverage in place.