When you have a vehicle in Utah, it’s required for you to have auto insurance in place to take care of any liability you may have in an accident as well as other types of coverage. The insurance requirement in the state comes with several different parts, and drivers should have all of them. If you need auto insurance or want to change to a different carrier, call us at The Smith Insurance Group Inc in Sandy, UT for an appointment.
To stay legal on Utah roads, there are five main parts that your auto insurance must cover. The coverage must include bodily injury liability with minimums per person as well as per accident. It must also include a mandatory minimum of property damage liability. For your own injuries, you must have a specific minimum amount of personal injury protection. You also must have a required minimum of uninsured motorist insurance with minimums both per person and per accident. There is also underinsured motorist coverage with minimums for each person and the whole accident.
With so many types of coverage having mandatory minimums, many people choose to get just enough coverage to meet the minimum legal requirement. However, this may not be enough if a serious accident were to happen. It also doesn’t cover damage to your own vehicle. To be more fully insured, consider adding to the minimums and adding collision insurance. Without these coverages, you may have to pay a significant amount out of picket once your insurance coverage maxes out.
If you don’t have insurance for your Utah vehicle, call us right away to get coverage. Contact us at The Smith Insurance Group Inc. in Sandy, UT for an appointment with an insurance agent.