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765 E 9000 S Suite A2
Sandy, UT 84094

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Utah Auto Insurance Requirements

Utah Auto Insurance Requirements

Driving through Sandy, UT provides lovely vistas and reasonable traffic, so you get where you are going quickly and efficiently. The state of Utah requires each vehicle owner to carry auto insurance, and Christensen Insurance Group wants you to understand this and the minimum amount you must purchase. We also want you to understand your other policy options and why purchasing additional coverage is important.

In Utah, you must purchase liability coverage and personal injury protection (PIP). The liability coverage consists of bodily injury and property coverage.

The minimum insurance required by the state is bodily injury coverage per person for $25,000 and per accident in the amount of $65,000. For property damage per accident, you must carry $15,000. Your PIP to cover your own medical costs and those of any passengers provides $3,000 of medical payments coverage, which consists of per person coverage of $3,000 for medical expenses; a $3,000 death benefit paid to the deceased’s heir; per person burial cost payment of $1,500 for each person who dies as well as a payment of 85 percent of each individual’s lost income, if injured, with a maximum reward of $250 per week up to 52 weeks. A payment of up to $20 per day for services you or an injured passenger cannot perform due to accident injury.

Medical costs can far exceed this, so the insurance industry provides the option for you to increase this coverage up to $100,000. You need this because Utah is a no-fault state, so the other individual’s insurance may not pay. These state minimums vary vastly from the insurance industry’s recommendations, which are bodily injury coverage per person of $100,000 and per accident of $300,000 per accident, so you should consider increased coverage for those options as well.

You might want to add collision, comprehensive, and uninsured/underinsured motorist coverage. The latter protects you if the driver that strikes your vehicle has too little coverage or no insurance. It provides for property damage since the PIP coverage provides for your medical costs. Comprehensive protects your vehicle from hail, fire, flood, theft, wind, vandalism, and glass damage. Collision insurance pays for damages to your car caused by another object such as hitting a fence, mailbox, parked vehicle, tree, etc. It also covers your damages if a deer runs onto the road and into the path of your vehicle.

You should consider adding coverage beyond the minimum insurance, especially if you own a newer car. If your vehicle gets totaled in an accident, you will receive the appropriate amount to replace it. Weigh that against having to pay out of pocket for a new car or truck. Visit Christensen Insurance Group, serving the Sandy, UT area, to discuss auto insurance coverage and choose the best options for you.

Three steps to go through before purchasing an auto insurance policy

Selecting an auto insurance policy is one of the most important steps in purchasing a vehicle and driving legally in Utah. If you’re a motorist in Sandy, UT looking for the right auto insurance policy, we can help you at Christensen Insurance Group.

The following are three steps you’ll want to go through before you purchase an auto insurance policy in Utah.

Familiarize yourself with auto insurance

Before you decide on a policy, you need to understand some key terms and concepts. You need to know the difference between liability and collision coverage, for example. You also need to understand how deductibles work on an insurance policy. 

Familiarize yourself with these auto insurance terms to get started. Then, you can better decide what you want in a policy.

Get quotes on policies available to you.

Insurance providers give out policy quotes on request. This means they provide a consumer with a cost estimate of how much it would cost them to purchase insurance through that particular provider. 

In order to find the best auto insurance option, you should get quotes from numerous providers. Then, you can understand what your options are before you make a decision. 

Select the best possible option for your needs

Once you have a few quotes, you can evaluate them. Make sure you don’t simply choose the least expensive quote. Instead, you should study the details of each policy and select the policy with the best value.

It’s essential that you realize how important your policy is going to be if you get in an accident. Carefully evaluate your options and buy from a provider you know you’ll be able to depend on if you’re in an accident. 

Are you ready to get started finding auto insurance in Sandy, UT? We can help with that! Contact us at Christensen Insurance Group to explore your auto insurance options more. 

Check Your Supplemental Auto Insurance Options Before Winter

Winter is right around the corner, and in some places, it’s already struck. If you haven’t already looked into supplemental auto insurance coverage for your vehicle, now’s the time to do so. You will want to know if any circumstances that apply more during the winter affect your car and risk level of accidents and other catastrophic events. A Christensen Insurance Group agent can provide you with information about what’s available in your situation in the Sandy, UT area.

No-Fault State Requirements

Since Utah is a no-fault state, it’s required that you have $3,000 for personal injury protection. Further, Utah law mandates insurance companies to offer $25,000 per person for bodily injury, $65,000 per accident for bodily injury, and $15,000 per accident for property.

Regardless of what’s required, it’s always recommended that you have additional coverage – known as supplemental insurance coverage. You can discuss your needs to include various circumstances right when you first get insurance, no matter the time of year. If you haven’t thought of getting extra coverage yet, it’s an ideal time for it.

Don’t Drop That Coverage

If you think it’s a good idea to lower your car insurance or get rid of it entirely in the winter, you would be wrong. It’s just as important to have insurance even when you don’t drive your car as often. For one thing, the roads are more dangerous, and accidents occur more frequently. You’ll want to make sure you have plenty of coverage in the event something happens that causes significant damage to your vehicle and injuries that lead to high medical bills.

No matter the type of vehicle you drive, you’ll do well to find out what supplemental insurance options are offered from a reputable company like Christensen Insurance Group. Serving the greater Sandy, UT region over the years, our company has many satisfied customers and beneficial offerings.