The state of Utah like most states has a mandated amount of liability insurance that is required in order to drive in the state. This is what basic auto insurance is, it doesn’t include any of the other optional coverage that has more to do with the driver’s car than with any other vehicle or person injured in an accident. At Christensen Insurance Group in Sandy, UT, we have almost 70 years of experience helping to provide the best possible customer service to our customers. We represent over 20 carriers which means we can provide you with more choices.
In Utah, basic auto insurance is 25/65/15. $25,000 is for the first person injured in an accident where you are at fault, with the total for injuries for a particular accident of $65,000. The amount for property damage is $15,000. Given the cost of vehicles these days, that is woefully low.
Basic auto insurance is just that, pretty basic. Taking into account what an emergency room visit can cost, you might find yourself on the receiving end of a lot of hospital bills not to mention legal action. If you have no assets that may not hurt you much but if you have assets and a good job you could stand to have your salary garnished and your assets in danger of being lost. Having a higher level of liability coverage is the best way to protect yourself.
With basic coverage, your vehicle is not protected at all. If you count on your vehicle every day to get to work and run errands, you should probably consider having collision and comprehensive coverage to protect it. Full glass coverage is something that almost everyone needs at some point or another.
For all your auto insurance needs contact Christensen Insurance Group in Sandy, UT.