Those numbers are the minimum amount of coverage you can purchase. However, it may be in your best interest to buy higher limits, in case you’re responsible for an accident and the minimum coverage does not cover the other person’s medical bills. I always recommend purchasing $100,000 single person injury liability and $300,000 all people injury liability.

Utah also requires Personal Injury Protection (PIP), which covers your own medical expenses, lost wages, and other costs incurred from an accident.

Utah does not require uninsured and underinsured motorist coverage. This type of insurance will cover your medical expenses, loss of work compensation, and other costs of an accident when another person is at fault but is uninsured or has inadequate insurance coverage for your injuries and damges. Although it is not required, as a Utah car accident lawyer, I strongly believe having atleast $100,000 coverage under each of these policies is as important or even more important than having hight liability coverage. Coverage for this higher amount will cost less than an additional $10 a month and is a great way to protect you and your family after an accident.

Another type of coverage you may wish to purchase is collision and comprehensive auto insurance coverage. This covers damage expenses to your car in the event you run into something, such as a light post, fire hydrant, or another car. It also covers your car in the event of theft, fire, flood, or other unintended damages. If you have a newer car, you will likely want to purchase collision coverage. If you drive an older vehicle, it may not be worth the increased premium rates.