Utah law requires minimum liability insurance coverage of $25,000 for one individual and $65,000 for more than one individual for bodily injury or death. However, some individuals get their license plates each year by paying the minimum insurance premium and then letting the coverage lapse for nonpayment. This is one reason why the risk of encountering an uninsured driver in Utah is so high.
Uninsured motorist coverage (UM) was designed to provide a source of recovery when a driver without insurance causes harm. With UM coverage, the insurer pays the insured the damages the insured would have recovered had the other driver been insured, subject of course to the UM policy limit.
Uninsured motorist coverage (UM) was designed to provide a source of recovery when a driver without insurance causes harm. With UM coverage, the insurer pays the insured the damages the insured would have recovered had the other driver been insured, subject of course to the UM policy limit.
Underinsured motorist coverage (UIM) goes one step further, allowing the insured victim to recover from his or her insurer damages sustained in an accident with an underinsured driver, or, put another way, a driver who has inadequate coverage to compensate for the injuries that are caused.
It is advisable to have both UM and UIM coverage on your vehicles. I can't tell you haw many times I have witnessed a victim of a major accident get less than what they deserved to save a few dollars a years on insurance. UM and UIM coverage is relatively inexpensive and can provided that much need layer of insurance coverage. Please contact my office to learn more about what limits you should have on your car to protect you. Call Jason C. Foulger of the Foulger Law Group at 801-615-1951.
Insure-Rite Incorporated, protection verification services company, was formed to produce aid to states desperate to reduce their uninsured motorists problem. Uninsured motorists in Utah
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