Are you a Utah driver confused about your auto insurance requirements? You’re not alone. As experienced Salt Lake City car accident lawyers, we’ve seen countless clients struggle to navigate the complex world of auto insurance. But fear not! We’re here to break it down for you in simple terms.
Utah law requires all drivers to carry minimum liability coverage. But what does that really mean for you? Let’s dive in.
The Bare Minimum: Utah’s Liability Coverage Requirements
In the Beehive State, you must have at least:
- $25,000 for bodily injury to one person
- $65,000 for bodily injury to two or more people
- $15,000 for property damage
Alternatively, you can opt for $80,000 in coverage for any one accident. But here’s the kicker – these limits apply regardless of how many people are at fault in your policy.
Why Minimum Coverage Might Not Be Enough
While meeting the state minimums keeps you legal, it might not fully protect you in a serious accident. Medical bills and car repairs can quickly exceed these limits, leaving you financially vulnerable.
Personal Injury Protection (PIP): Utah’s No-Fault Insurance
Utah is a no-fault state, which means your own insurance covers your initial medical expenses and lost wages, regardless of who caused the accident. This coverage is called Personal Injury Protection (PIP), and it’s mandatory for all Utah drivers.
Key PIP Benefits:
- $3,000 for medical expenses
- Lost wage coverage (up to $250 per week for 52 weeks)
- $20 per day for household services (up to 365 days)
But what happens when your damages exceed these limits? That’s when things can get complicated.
Don’t Navigate Insurance Claims Alone
If you’ve been injured in a car accident, don’t let insurance companies shortchange you. At Christian Burridge, our experienced Salt Lake City personal injury attorneys know how to maximize your compensation and protect your rights.
We’ve helped countless Utah accident victims navigate the complex world of insurance claims and personal injury law. Don’t leave money on the table – let us fight for every dollar you deserve.
Call us at 877-BURRIDGE or click here to set up a free Zoom consultation. Remember, you don’t pay unless we win your case. Don’t wait – the sooner you call, the stronger your claim will be.
