Utah Car and Motorcycle Insurance Law

Required Minimum Bodily Injury/Property Damage Coverage

• In Utah, you can choose between a "split limit" or a "single limit" policy.
• The split limit is $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident. This also requires a minimum property damage coverage amount of $15,000 for injury to or destruction of property of others in any one accident.
• The single limit is $65,000 per accident for all damages.

Required Personal Injury Protection.

• Automobile owners are required to purchase Personal Injury Protection (PIP) coverage. PIP pays without regard to fault and covers medical expenses up to $3,000, funeral expenses up to $1,500, compensation for death in the amount of $3,000, $250 per week or 85 percent of lost wages for one year, and $20 a day for one year for expenses related to household services, such as cleaning. Under this No-Fault statute, the injured person can only sue a negligent driver if his or her medical expenses exceed $3,000, or if the injury results in death, dismemberment, a permanent disability, a permanent impairment, or a permanent disfigurement. It is for a judge to determine whether a person’s injury rises to the level of being legally entitled to sue for damages.

Optional Insurance Coverage

• Uninsured Motorist (UM) Coverage. The limits of UM must be equal to the lesser of the insured’s motor vehicle liability policy limits or the maximum UM coverage limits available by the insurance company under the insured’s motor vehicle policy, unless the higher coverage is waived in writing. In no event can UM coverage be less than the amount of required bodily injury liability coverage.
• Underinsured Motorist (UIM) Coverage. The limits of UIM must be equal to the lesser of the insured’s motor vehicle liability policy limits or the maximum UIM coverage limits available by the insurance company under the insured’s motor vehicle policy, unless the higher coverage is waived in writing. UIM may not be sold with limits less than $10,000 for one person injured in any one accident and $20,000 for two or more persons injured in any one accident.

Special Rules for Motorcycle Owners

• PIP does not apply to motorcycle owners. Insurers may or may not offer motorcycle owners a first-party medical coverage plan.