Each state has some form or version of mandatory minimum automobile insurance coverage, and the state of Utah is no different. All drivers must carry at the very minimum liability coverage that meets the minimum state requirements, and there are serious consequences for violations. In Utah, it is illegal to drive any motor vehicle without proof of insurance or some other form of financial responsibility.
Utah requires a minimum liability of $25,000 per person for bodily injury, and $65,000 per accident for bodily injury, as of January 1st, 2009, and $50,000 per accident for property damage. Utah is also what is known as a “No Fault” state, which means that in the event of an accident, the respective drivers are responsible for their own medical expenses. Utah’s No Fault Law requires that drivers carry an additional $3,000 in Personal Injury Protection coverage or PIP to pay your medical bills in the event of an accident with injuries.
Utah law requires drivers to carry valid proof of insurance and present it to any law enforcement officer that may request it. This insurance must be kept current throughout the registration of the vehicle. Utah also compares its registration records with a database of insurance policies for Utah residents, and when a registered vehicle is found without coverage, a letter is sent to the vehicle’s owner requesting proof of insurance be provided. If the owner fails to provide proof, the DMV and state and local law enforcement are informed.
Failure to provide proof of insurance or operator’s security in the state of Utah is a class B misdemeanor that carries a minimum penalty of $400 for a first offense, and $1000 for a second or any subsequent offenses within three years of a conviction. If a person is found to be driving without insurance by the courts or a Utah Department of Public Safety (DPS) administrative hearing, the uninsured vehicle’s registration will be suspended by the DMV. If a person is convicted for failing to insure a vehicle the Utah Department of Public Safety is required to suspend the person’s driver’s license. Licenses and registration will not be renewed until reinstatement fees are paid, and proof of coverage is provided.
The best policy is stay legal by having the minimum required coverage, and keeping current and valid proof with your vehicle at all times. Thanks to the vast number of insurance providers, this is an easy task. There is a myriad of insurance providers offering coverage in the state of Utah, a glance in the yellow pages or a quick trip on the internet will reveal several. With every opportunity from an office down the street, to comparison shopping online, there is no reason to risk driving without coverage.
