Thursday, January 17, 2013
Utah Auto Insurance Coverage and Requirements
The state of Utah of the United States of America is located in the western region of the country which is the sixth most urbanized state of U.S.A. The state of Utah is the fastest growing metropolitan of the States and has a constant influx of information and technology, transportation, tourist destination, mining and a lot of other activities.
Opting for auto insurance is an unavoidable factor in the lives of people who drive as it’s a measure of precaution against unforeseen accidents and collisions which at most times prove to be life threatening. Auto insurance compensates for any bodily damage or harm to property in the wake of accidents on the road.
Every state belonging to the United States of America functions by its originally laid down rules and regulations when it comes to auto insurances. Every state has its own minimum legal requirements.
The state of Utah requires its own set of minimum requirements to be met with for a person to drive legally in the state. As per the Utah law, a liability and a no-fault insurance are required for all vehicles registered in the State. The no-fault insurance and liability ensure that the person is able to pay for all injuries caused to another person by him or a damage done to property by him or his vehicle; this is commonly referred to as Financial Responsibility.
Self insurance is allowed by a number of states but the same not true for the state of Utah, the only authorized way to cover liability here is through the help of private organizations.
The state of Utah broadly requires the drivers to maintain two types of insurance, namely, Liability insurance and Personal Injury Protection, also referred to as PIP.
The Liability Insurance sets an account of $25,000 as compensation for bodily damage per person, $65,000 on account of bodily injury per accident and $15,000 for damage of property per accident.
The second type of insurance called the PIP (Personal Injury Protection) requires a minimum of $30,000 for the coverage of the same. This is due to the no-fault law prevailing in the state.
The insurance of Personal Injury Protection covers for your personal injuries caused during an accident i.e. pays for the medical bills quite unlike the Liability insurance which covers for the other person in the accident.
Also, optional auto insurance coverages could be added to build a safe and prudent policy.
It includes collision coverage which compensates for car repairing irrespective of the person at fault, comprehensive coverage which pays for any sort of repair needed by your car due to a theft, fire etc. then there is uninsured or underinsured motor coverage which compensates for the medical bills of you or your family and also covers for damage caused to your car or property by a hit and run, uninsured or an underinsured driver.
As should be a prudent move on your part, you should be liberal and flexible with your research when looking for different policies and rates of auto insurance. Every policy provider will have a different rate of interest for. The rate you’re provided with depends on your driving history, make and model of the car, your age, sex and other factors. Also, an important point to be noted, the rates of individual policy providers are subject to an annual change. Also, high performance models and late payment of credit card bills would only lead to a hiked rate being offered to you. So clear your history before applying for auto insurance.
On purchasing an auto insurance policy, you will be sent a proof of the same in the form of an insurance card which will be sent to you by your insurer. Now you wouldn't like to mess with the availability of the card as in case of any accident causing considerable damage to life or property, you will be required to present this “proof of purchase of insurance policy” to the concerned law enforcement officer to avail any compensation.
As far as the state of Utah is concerned, the auto insurance officials of the state maintain a database of all vehicles registered in the state and also of all vehicles insured in the state. So by chance, if your vehicle is not insured but is registered with the state, you will be required to provide a proof of insurance.
Now, the state of Utah is very particular about its insurance laws and is liberal when it comes to penalizing people who fail to produce the proof of insurance as and when required. Such failure leads to a report being sent to the DMV stating the facts and then to the law enforcement.
So if you’ve been driving around an uninsured vehicle, you’ll be charged with class B misdemeanor and also will be asked to bear a fine of $400 for a first time offense. Besides being penalized, you’re driver’s license stands a chance of being suspended, and yes the vehicle registration will be at stake too. If such ever be the case, reinstatement on your behalf will be impossible until the insurance proof is shown with a payment of reinstatement.
Additional Information Can Be Found At RMIAA