Utah insurance information
Required Minimum Bodily Injury/Property Damage Coverage
In Utah, you can choose between a "split limit" or a "single limit" policy.
- The split limit is $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident. This also requires a minimum property damage coverage amount of $15,000 for injury to or destruction of property of others in any one accident.
- The single limit is $65,000 per accident for all damages.
Optional Insurance Coverage
- Uninsured Motorist (UM) Coverage. The amount of UM coverage purchased must be at least the amount of bodily injury coverage required.
- Underinsured Motorist (UIM) Coverage. The amount purchased must be at least $10,000 per person injured in any one accident and $20,000 for all persons injured in any one accident.
- Personal Injury Protection. This optional coverage can be chosen by automobile owners. It pays the policyholder medical expenses up to $3,000, funeral expenses up to $1,500, compensation for death in the amount of $3,000, $250 per week or 85 percent of lost wages for one year, and $20 a day for one year for expenses related to household services, such as cleaning. If PIP is chosen, it is paid out without regard to fault, but it does limit a policyholder's ability to sue for injuries caused by a negligent driver. If PIP is elected, the injured person can only sue if his or her medical expenses exceed $3,000, or if the injury results in death, dismemberment, a permanent disability, a permanent impairment, or a permanent disfigurement. It is for a judge to determine whether a person's injury rises to the level of being legally entitled to sue for damages.
Special Rules for Motorcycle Owners
- PIP does not apply to motorcycle owners. Insurers may or may not offer motorcycle owners a first-party medical coverage plan.
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Please note: State law information collected from LexisNexis™ electronic database in 2003. Our lawyers are licensed to practice law in Maryland, Ohio, Pennsylvania, and West Virginia and associates with experienced attorneys in other states .
The materials at this web site have been prepared by our Law Firm for information purposes only and should not be construed as legal advice or legal opinion on any specific facts or circumstances. These materials do not, and are not, intended to constitute legal advice. Readers should not act upon this information without seeking professional counsel.
The information provided at this site is subject to change without notice. While we strive to keep our site updated, insurance options may change from time to time. Be sure to confirm insurance requirements with your insurance representative. The state insurance summaries are provided as a general guide only. Before purchasing insurance, we recommend that you research and understand all available and required options. We also recommend that you protect yourself by purchasing adequate amounts of insurance.
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