Utah Auto Insurance Laws and the Danger of Driving Uninsured
Car operators in Utah and in all of America must always have their Cars insured. It is their choice of how much coverage to have, but there is a minimum established by Utah auto Insurance laws, and the DMV of every state. The minimums for most states have been set at $25,000/$50,000 and $10,000. This means that if you get in an accident, each person in the other car is covered up to $25,000 with the maximum payout being $50,000, and property damages are covered up to $10,000.
If you get in a car wreck, as long as your policy is still valid, your insurance company covers the damages up to the amount of coverage you have. But if for any reason your insurance is not valid, the insurance company will not assume any responsibility in the accident
Because it is a large potential problem to be in an accident with an uninsured motorist, the government has gone to great lengths to make sure that drivers get insured and stay insured. In most cases a car cannot be bought without proof of insurance and if caught, fines large fines or punishments can be placed on the driver.
If you are from Utah and get in an accident while uninsured, you are responsible for 100% of the expenses. You are forced to pay this and your license is revoked until you do you. According to current laws, they can take away your license for upwards of six years. If you are insured and live in Michigan, you can only be liable for $500 in an accident, but if uninsured, you must pay all of it.
If you live in Texas, proof of insurance is required at the time you get a drivers license. If you are caught without proper insurance coverage you will be slammed with an initial fee of $350. The second time you are caught you receive a fee of $1000 and your vehicle can be taken away for up to six months. If you do get in a wreck you are held responsible 100%, no exceptions.
The California DMV have set there minimums to $15,000/$30,000 with $5,000 in damages to property. However, just because the limits are set lower than most states, it doesn’t mean that they are more relaxed with those that do not have insurance. If you are pulled over and you don’t have insurance, your driver’s license will likely be taken away for a year. They will also cancel the registration on your cars until you can prove to them that you have renewed your insurance. If you get in an accident, you are required to pay for all of the damages.
It is crucial that you have enough insurance, and that you don’t let it lapse. It is too much of a gamble to go without insurance, because sooner or later you will end up paying for it much more than the cost of coverage. Call your Insurance Agent to make sure your insurance is current and valid. Before buying a car, check with them to make sure that you have adequate insurance that you will be able to afford the monthly payments.
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