Car owners in Utah and the rest of the United States are required to always have their vehicles insured. You can decide how much coverage you have, but there is always a minimum set in each state. Utah Auto Insurance Laws require a minimum of $25,000/$50,000 $10,000 meaning each person in the vehicle is covered up to $25,000 with a maximum compensation for the whole car of $50,000. $10,000 is the maximum amount of property damage that will be covered.
When you are in an accident, as long as your policy is current and hasn't lapsed your insurance company covers the expenses of the accident up to your level of coverage. However, if the insured has a lapse in coverage due to non-payment or for any other reason the insurance company is not responsible and the driver is 100% liable for the expenses of the accident.
To make sure that vehicle owners stay insured the government is cracking down on those who do not have insurance. These punishments are set forth by each state's DMV, vary depending on the state. If you are in an accident and you have allowed your insurance to lapse, what could happen? The punishments can be very severe.
If you are a resident of Utah, you are forced to pay 100% of the damages, and your license is revoked until you do so. You license can be taken away for up to six years while you are paying for damages. Can you go six years without driving? If you live in Michigan and get in a wreck while insured, you are only liable for $500 in damages. But if you are not insured, you are required to pay for all of it, no matter how much it is.
The laws are probably the strictest in Texas. You cannot have a driver's license until you can prove that you have insurance. If at any time you are caught without insurance you will have an initial warning fine of up to $350. It gets worse if you are caught more than once. On the second time, you are fined at least $1000 and they can take your car for up to six months.
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 very important to have current and adequate Insurance. It is not worth the risk to go without insurance just to save a little money, because it is never worth it in the long run. Check with your insurance agent or with the authorities at your state's DMV to make sure you know the laws and regulations concerning the specific coverage minimums in your state. - 16492
When you are in an accident, as long as your policy is current and hasn't lapsed your insurance company covers the expenses of the accident up to your level of coverage. However, if the insured has a lapse in coverage due to non-payment or for any other reason the insurance company is not responsible and the driver is 100% liable for the expenses of the accident.
To make sure that vehicle owners stay insured the government is cracking down on those who do not have insurance. These punishments are set forth by each state's DMV, vary depending on the state. If you are in an accident and you have allowed your insurance to lapse, what could happen? The punishments can be very severe.
If you are a resident of Utah, you are forced to pay 100% of the damages, and your license is revoked until you do so. You license can be taken away for up to six years while you are paying for damages. Can you go six years without driving? If you live in Michigan and get in a wreck while insured, you are only liable for $500 in damages. But if you are not insured, you are required to pay for all of it, no matter how much it is.
The laws are probably the strictest in Texas. You cannot have a driver's license until you can prove that you have insurance. If at any time you are caught without insurance you will have an initial warning fine of up to $350. It gets worse if you are caught more than once. On the second time, you are fined at least $1000 and they can take your car for up to six months.
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 very important to have current and adequate Insurance. It is not worth the risk to go without insurance just to save a little money, because it is never worth it in the long run. Check with your insurance agent or with the authorities at your state's DMV to make sure you know the laws and regulations concerning the specific coverage minimums in your state. - 16492
About the Author:
Steve Turner has extensive knowledge about Car Insurance in Utah.Auto Insurance in Utah Steve Turner also knows a lot about the different insurance laws nationwide.Auto Insurance Laws
