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Utah Auto Insurance Information and Resources

We have listed below several valuable sources of information to help educate you in obtaining car insurance in Utah. Included are links to organizations with helpful guides on topics such as purchasing auto insurance, filing claims and more.

Utah Car Insurance Laws

Utah has no-fault auto insurance laws. No-fault auto insurance allows policyholders to recover financial losses from their own insurance company, regardless of fault. Under current no-fault laws, motorists may sue for severe injuries and for pain and suffering only if medical expenses exceed a certain monetary threshold.

Utah law requires motorists to carry bodily injury and property damage liability insurance to help pay for damages they cause in an auto accident. The minimum amounts Utah drivers are required to carry are 25/50/15: $25,000 per person; $50,000 for two or more persons for bodily injury liability; and $15,000 for property damage liability. For each person injured in your car, the first $3,000 in medical expenses will be covered by your policy under Personal Injury Protection.

When an auto accidents occurs, you have the option to file the claim with either your own insurance company( a “first-party” claim), or with the other driver’s insurance company (a “third-party” claim). Insurance laws differ with regard to first and third party claims. The Utah Insurance Department has a fact sheet that discusses your rights and duties in Utah when you file a third-party claim with another driver’s insurance company.

Utah Division of Motor Vehicles

The Utah Division of Motor Vehicles website provides services and information about buying, selling, licensing and registering cars in Utah. Residents of Utah can go online for impounded vehicle services including help locating and retrieving a towed vehicle. The site also provides online vehicle registration, customizing or personalizing license plate search, and Utah auto theft prevention and education program. Save time by downloading the necessary Utah DMV forms and applications before you head off to the branch locations. And due to the increased number of Driving Test requests, all Driving Tests require an appointment.

Utah Department of Insurance

The Utah Insurance Department website has a section devoted to insurance buying consumers in the State of Utah. Consumers can go online to get an Utah insurance complaint form, read insurance terms, search for an Utah insurance company or agent, avoid insurance fraud, and get consumer resources for auto insurance, homeowners insurance, life insurance, title insurance, and much more. The site lists private passenger auto insurance comparison tables of auto insurance rates and premiums from the major Utah auto insurance companies. Learn more about filing an auto claim with the other party’s insurance company and Utah auto insurance laws, including no-fault insurance coverage.