Utah is a no-fault state and, as such, requires that all drivers carry a minimum of $3,000 in personal injury protection. PIP is personal injury protection, which pays for any medical expenses you might incur due to an accident. Liability requirements are 25/65/15. At Uban Insurance Agency in Salt Lake City, UT, we are independent insurance agents. That allows us to do the work of finding the best carrier for you.
Auto Insurance Facts
Full coverage is basic insurance plus coverage for your vehicle. Basic insurance in Utah is 25/65/15. That is liability coverage. The $25,000 is for injury to one person in an accident, with the total amount for injuries in that particular accident of $65,000. The $15,000 is for damage to property, but not your property, the other driver’s property. Basic insurance is not full coverage.
If you have an auto loan or lease your vehicle, you will need full coverage. That means adding collision and comprehensive coverage. Collision coverage is for damage to your car that is the result of a collision. It can be in an accident where you are responsible, a one-car accident, or a hit and run. Comprehensive coverage is for damage that is beyond your control or for theft of your vehicle.
But, if you don’t have a loan or a lease, do you need full coverage on your vehicle? If you have enough money to pay for any kind of repair your car might need or replace your vehicle if it is stolen, you can do very well with just basic insurance. But if you are like most people, full coverage will help you replace or repair your vehicle.
Give Us A Call
Contact Uban Insurance Agency in Salt Lake City, UT when you need to have your auto insurance reviewed or to change carriers.