subject: Requirements For Auto Insurance In Salt Lake City, Ut [print this page] The state of Utah mandates that car owners buy an automobile insurance in order to run a car. Insurance standards encompass two things: coverage for liability and no fault policies. Drivers are required to keep their insurance coverage during the whole registration period of their automobiles. Any person who breaches the law is subject to sanctions and fines. In some worst case scenarios, they may lose their driving privileges. The law on auto insurance in Salt Lake City, UT is also applicable to drivers who are not residents of the state. Yet, the law on auto insurance in Salt Lake City, UT is not applicable to all kinds of cars. In this article, we shall discuss about the requirements in terms of auto insurance in Salt Lake City, UT. More specifically, we shall talk about the different vehicles that require insurance coverage, the liability coverage, the no fault coverage policies, the insurance verification, and the fines.
The state of Utah imposes that all cars be insured. The only type of vehicles that do not have to be insured are off-road vehicles. Any owner of cars living in Utah must purchase insurance coverage. If the individual is a nonresident, then they are required to buy insurance after they have started to use their car in the state for ninety days in a period of three hundred and sixty five days.
The state of Utah mandates that all car owners buy liability bodily injury and liability insurance for property impairment. By being covered for liability, an individual will not have to worry about paying for the injuries or the property damages that are sustained by other drivers when a policyholder is considered to be at fault for a road accident. Car owners are required to purchase at least a twenty five thousand dollar insurance coverage that pays for the injuries contracted by an individual involved in a road accident and a sixty five thousand dollar insurance coverage that pays for the injuries contracted by a certain number of individuals involved in a single road accident. In addition to that, drivers are also imposed to buy a minimum of fifteen thousand dollars in order to be able to pay for property damage.
If a road accident occurs, the no fault insurance can pay for all the injuries that both the driver and the individuals present in their automobile sustain, irrespective of who provokes the car accident. Another requirement to have auto insurance in Salt Lake City, UT is the purchase of a three thousand dollar no fault insurance. The no fault insurance requirement enables the state of Utah to put restrictions on lawsuits originating from car accidents.
The state of Utah imposes that car drivers always have a proof of insurance when they are driving. Examples of things that are considered to be proof of insurance include insurance binder, insurance policy, or insurance declaration. The state of Utah keeps a database containing the data about the insurance status of all the cars that have been registered. This proof of insurance is usually asked by law enforcement officers when they pull a driver off the road and need to verify whether or not they are in compliance.
If a driver or a car owner is not able to show the proof of insurance, then the Division of Motor Vehicles, also referred to as the DMV, may suspend the registration of the uncovered vehicle. The driver will be given a four hundred dollar fine if they fail to maintain a valid insurance coverage status. After that, they will have to pay one thousand dollars for each subsequent violation. If a driver is convicted of running a car without having insurance, the Utah driving authority can suspend their driver's license.
by: Tyrion Lannister
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