While on the surface Utah car insurance requirements seem to provide rather sufficient coverage for most minor accidents there is still a good chance a driver could be held personally liable for car accident damages. Statistics show that most minor car accidents only include vehicle damage and Utah’s minimum auto insurance requirements provide enough coverage for almost any minor vehicular damage. However the real threat of personal liability comes with car accidents causing total loss or physical injuries. Medical costs can quickly surpass $25,000 and the replacement value for almost all new cars can easily exceed $25,000. Any claim for damages above and beyond your policy limits can subject you to litigation for personal liability – even in a no fault state. Utah’s current minimum car insurance requirements are:
- $25,000 liability insurance per accident (one injured person)
- $65,000 liability insurance per accident for all persons
- $3,000 in personal injury protection (PIP)
- $15,000 property damage coverage