ISU-Wiseman Insurance Blog

Driving is a privilege few people are willing to give up. In this uncertain economy however, many who are looking for a way to save money may think about cutting their Utah auto insurance. Before you cancel your entire policy, it is vital you understand that a certain amount of coverage is required by law to avoid citations and fines from the authorities.

All Utah drivers must meet certain provisions when it comes to auto insurance. Since January 2009, to meet the minimum liability requirements, you have to have at least $25,000 in coverage per person for bodily injury claims, $65,000 for a single collision, and $15,000 to cover property damage per accident.

Utah is a no-fault state, so drivers may also be required to have $3,000 or more in personal injury protection. No-fault insurance is a must if the owner or operator fits in one of the following categories:

• When the owner or operator is a resident of the state of Utah, then he or she must meet this requirement.
• Individuals who are non-residents, but spent at least three months of the past year within the state boundaries must keep no-fault insurance as long as the vehicle remains in Utah.

It is important to regularly check the state’s car insurance requirements if you are one of the individuals who opt to only obtain the minimum amount of Utah auto insurance possible. These laws can change without warning so be sure to talk to an insurance agent to ensure you are still adequately covered.

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