Utah No Fault Insurance

It is true. The no fault insurance laws in Utah do seem complicated to most people. Often insurance agents use jargon which makes things even more complicated. Well, I let me try summarize the important information regarding Utah No Fault auto insurance and help you save money on your policy.

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You are required by law to insure your vehicle throughout its registration period. Even people who are non-residence but spend more than 90 days a year in Utah, will be required to have No Fault insurance.

There are two important elements of your auto insurance policy which you should know about – liability limits and Personal Injury Protection (PIP). The minimum limits required by State are:

$25,000 Bodily Injury Liability for a person in an accident
$65,000 Bodily Injury Liability total for one accident
$15,000 Property Damage Liability

$3,000 Personal Injury Protection

PIP is the part associated with the No Fault auto insurance law and that’s why you may have heard the term, PIP insurance. The idea behind PIP is that the insurance company will pay up to $3,000 regardless of who is at fault. This aims to reduce law suits and provide better protection for drivers. Of course, if you are injured in a car accident and the medical bills are over $3,000, you can seek compensation from the at fault party.

Many people feel that the minimum required liability limits are quite low and may not provide adequate protection. Typically, drivers choose $50,000/$100,000 rather than $25.000/$65,000. If in doubt, consult with an insurance specialist or financial advisor.

Depending on your circumstances you may want to add collision and comprehensive coverage to your policy. Uninsured motorist coverage is also a good idea nowadays, when there are more uninsured drivers on the road than ever.

Motorists in Utah pay annually about $300 less for auto insurance than the national average. Still, the average rate in Utah is over $1,100 which is by no means a small amount of money. It is important to shop around in order to find the best deal available to you.

How would you feel if you can save up to $450 on your insurance policy? Wouldn’t you rather spend these money on yourself and your family?

Click here to see how much you can save on auto insurance in Utah