Auto Insurance in Utah
Auto insurance is required in just about every state. Utah is no exception. But what they mandate is insurance that protects the other driver and their vehicle if you are responsible for an accident. This is only a tiny fraction of the auto insurance available and that you may need. At Uban Insurance Agency in Salt Lake City, UT, we are an independent insurance agency that works hard to ensure all our clients have the coverage they need.
Auto Liability Coverage
In the state of Utah, you are required to carry liability coverage. Liability coverage protects the other driver and their vehicle in an accident where you are the responsible party. The coverage is mandated to be 25/65/15. That means $25,000 for injury to the first person in an accident with bodily injury and $65,000 for all the injuries in an accident. $15,000 is mandated for property damage.
If you need or want coverage to protect your vehicle, you need to carry this coverage, collision and comprehensive. You should also make sure that you have uninsured and underinsured insurance coverage.
Collision coverage covers your vehicle for damage resulting from a collision where you are at fault. It also protects your vehicle in a one-vehicle accident or when your vehicle is damaged by a hit and run.
Uninsured or underinsured motorist coverage
If the other driver is responsible for the accident, their insurance should pay for the damage. If, however, they are uninsured or underinsured, you could end up having to pay for the damage yourself if you don't have the right coverage. You need uninsured motorist coverage.
Comprehensive coverage protects your vehicle from things that happen other than a collision. This can be weather-related, such as flooding, wind damage, or hail damage. It could be a deer that runs into your vehicle. It also covers theft and vandalism.
To find out more about auto insurance, contact Uban Insurance Agency in Salt Lake City, UT.