Utah Auto Insurance - (UT)

Whether you live in Florida or Utah, auto insurance is an important factor of life. In fact, the state in which you live will impact the type and scope of auto insurance you must carry – each state has individual auto insurance regulations that all auto owners must follow. Depending on your location, you could face different laws in regard to minimum liability insurance and how you will document proof of insurance. All car owners should seek out competitive quotes from several different insurance companies before choosing a policy in order to verify that you’re getting the best coverage for your needs.

Auto Insurance in Utah

In Utah, drivers are required to carry minimum coverage. Most insurance experts would recommend the law be your starting point – it is wise to get coverage that far exceeds state standards. Remember that if you only have $25,000 in coverage for bodily injury, you could be liable for significantly more than that. Be sure to consider your safety and financial security when selecting options for your insurance policy. In Utah, the minimum standards include:

• At least $25,000 per person and $65,000 pr accident for bodily injury coverage.
• At least $15,000 per accident for property damage coverage.

Utah is a “no fault” state, which means you’re required to carry Personal Injury Protection. With this, your insurance carrier will pay medical bills up to your policy’s limit for injuries incurred in an accident – no matter who is at fault. In Utah, you must have at least $3,000 in Personal Injury coverage. Again, experts recommend that this amount be significantly higher in your actual policy. You must carry proof of insurance in your vehicle at all times. The state of Utah maintains a database that monitors registration and insurance coverage. If the database recognizes that a registered vehicle does not have corresponding auto insurance, a letter will be sent to the owner. Penalties for failing to comply with state auto regulations can range from $400 to $1,000 as well as a suspended license.

Auto insurance tips

If you are concerned about rising costs of auto insurance premiums, you can implement some strategies. For example, if you raise your deductible, you will have lower premiums in the short-term. But if you have an insurance claim, you will end up with more out-of-pocket expenses in the long-term. No matter your situation, you should always seek several competitive quotes from multiple insurance companies. This will give you the opportunity to compare coverages as well as premiums so you can be confident in the quality of coverage you’re getting for your money. Homeowners might be able to find insurance savings by combining their home and auto policies. Many insurance carriers have multi-policy discounts. Ask your insurance company whether one is available for you. Families with teenagers should monitor their policy as their children reach driving age. Depending on your state, insurance carrier and individual policy, your teens may be automatically added to your policy – whether or not they’re licensed to drive yet. Make sure you are aware of the possibilities, so you aren’t surprised by a higher premium in the coming years.

Department Of Utah (UT) State Government That Regulates Auto Insurance:

Web Site: www.insurance.utah.gov

How To Contact Directly:
Utah Dept. of Insurance
3110 State Office Bldg.
Salt Lake City, UT 84114-6901
Phone: 1-801-538-3800

Utah (UT) Mandatory Auto Insurance Minimums

• Liability: 25/50/15 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
• Other Mandatory Insurance: Personal Injury Protection -- No Fault State
• Regulations Regarding Proof of Insurance: Proof Required - If Involved In An Accident, If Stopped By Authorities When Driving
• Penalties For Not Carrying Mandatory auto insurance: Fine up to $400

How To File A Complaint About An Insurer:

Instructions For Filing An Insurance Complaint With The Utah Department of Insurance Rules And Laws Regarding Claim Handling Contact The Utah Insurance Department Directly Phone: 801-538-3805 Toll Free: 1-800-439-3805 (In-State) Fax: 1-801-538-3829