In every state, drivers are required to carry a certain amount of car insurance to cover damages and injuries resulting in an accident. Many of these states use a “fault” system, in which the insurer of the person who caused the accident pays for all the damages. Others, such as Utah, operate under a “no-fault” car insurance standard, requiring most drivers to file a claim against their own policy. Understanding how the insurance system works in your state will ensure you get the best possible coverage.

How Does No-Fault Insurance Work?

In Utah, every driver must carry at least $3,000 in Personal Injury Protection (PIP) coverage, which covers their own injuries if they’re hurt in an accident, no matter who was at fault. If you’re injured in a minor accident, this system will get you the health care you need without the time or expense of a lengthy investigation.

How Much Liability Coverage Do You Need?

While PIP coverage pays for a portion of a driver’s medical expenses, the person who caused the accident may still be responsible for any property damage or extensive injuries. To cover these losses, every driver in Utah must carry at least $15,000 in property damage coverage, $20,000 per person in injury liability, and $65,000 per accident. However, you could still be sued if you cause damage that exceeds your policy limits. In this case, you should purchase coverage equal to the rest of your assets.

With over 25 years’ experience and a selection of policies from one of the nation’s leading carriers, Brent Layton – Farmers Insurance Group helps drivers throughout Tremonton prepare for the unexpected. He takes the time to fully understand your situation and lifestyle and recommends policies tailored specifically to your needs. Visit his website or call (435) 257-3829 to request a car insurance quote. Follow him on Facebook for more insurance tips.