Every state has its own legal requirements regarding car insurance. The law in Texas may be significantly different from the Sandy, UT law. Understanding state regulations is important to ensure you abide by the law. The Smith Insurance Group Inc. can help you learn the necessary information.

Minimum Liability

Utah mandates that every vehicle owner carry state liability insurance. Liability insurance must include at least $25,000 per person for bodily injury. It should have a minimum of $65,000 per accident for bodily injury. The law also mandates a minimum of $15,000 coverage for personal property.

No-Fault State

Utah is considered a no-fault state. That means that if you get in an accident in Sandy, UT the focus won’t be on whose fault it is. Instead, both drivers are required to file a claim with their insurance company. That’s why Utah mandates a minimum of $3000 in personal injury protection, or PIP. Your PIP will cover your medical expenses in case there’s an accident.

Additional Coverage

Those are the minimum state requirements for every vehicle on the road, but many owners choose to have more coverage. Personal injury protection may not be enough to cover extensive medical treatment, so many owners choose to upgrade their policy to provide more coverage.

PIP

Many insurance agencies offer additional coverage for personal injury protection to ensure your medical bills are covered. Imaging and tests can easily exceed the state-mandated $3000.

Underinsured Motorist Coverage

Underinsured motorist coverage is another common add-on. This coverage provides additional coverage if you get into an accident with someone who doesn’t have auto insurance.

Comprehensive Coverage

Comprehensive coverage covers damages that aren’t due to an accident. These policies can provide reimbursement for things like tornado damage. Consider your risks to decide if you need additional coverage.

Navigating coverage options on your own can be challenging. Experienced agents at The Smith Insurance Group Inc. can help you find the right level of coverage. Contact us to learn more today.