Utah High Risk Auto Insurance
The State of Utah uses a no fault system for handling auto accidents. Under this type of system, an individual's insurance will be responsible for his medical and property damage up to certain limits regardless of who caused the accident. There are several insurance carriers available who will provide high risk insurance to Utah drivers. Some of these insurance providers include Arrowhead, Direct, Progressive, State Farm, and Travelers.
In an effort to protect drivers from excessive costs associated with accidents, the state of Utah has instituted some minimum insurance requirements with which all drivers must comply. These requirements are as follows: Bodily Injury Liability of at least $25,000 per individual up to $65,000 per accident, Property damage liability of no less than $15,000, and personal injury protection (PIP) of not less than $3000. The purpose of the PIP is to cover your reasonable and necessary medical expenses that arise from an accident.
Operators of vehicles registered in the state of Utah must carry proof of insurance in the vehicle with them and be ready to show such proof upon request to any law enforcement officer. In addition, the state maintains a database that links vehicle registrations and insurance policies. Whenever the computer program finds a vehicle that is registered in Utah and does not have a corresponding policy, the state will send a letter to the owner, who must then provide proof of insurance within a limited time.
Being convicted of operating a vehicle without minimum insurance carries a minimum $400 fine for a first offense and $1000 for a second. A driver's license may also be suspended along with the vehicle registration until the person can provide adequate proof of insurance and pay the required reinstatement fees. The need for high risk auto insurance can easily be avoided by understanding the laws in your state.