What Is The Cheapest Teen Auto Insurance in Utah?
Reader’s Question:
My teenage brother was cited for driving without car insurance in Salt Lake City, Utah. What penalty should he expecting?
Mark
Salt Lake City, UT
In Utah, the law requires drivers to carry proof of insurance and present it to any police officer upon request. In addition to that, for many years, Utah has compared its car registration file with a database of insurance policies written to Utah residents. When the computer program finds out a Utah-registered vehicle does not have a corresponding insurance policy, a letter will be sent to the car’s registered owner, requiring the owner to provide proof of insurance.
If the owner of the car fails to provide satisfactory proof of insurance after receipt of the letter, that information will be provided to the Tax Commission’s Division of Motor Vehicles (DMV), and state and local law enforcement.
If an individual is convicted for failure to insure a car, the Utah Department of Public Safety (DPS) is required to suspend the person’s driver license. DPS may not issue or renew a driver license to the individual until the person gives the agency operator’s security or proof of owner’s and pays a reinstatement fee.DPS also will notify DMV upon receipt of such proof.
Really Cheap Auto Insurance Rates in Utah
Reader’s Question:
I need to get car insurance on my vehicle and I just want to get the minimum that is required by the Department of Motor Vehicle in Utah. What is the minimum liability coverage in Utah?
Richard
Salt Lake City, UT
No-fault insurance in Utah must be maintained on all passenger cars throughout the vehicle’s registration period if: the owner/operator, you are a resident in Utah or if the owner/operator operates a car that has been in Utah for 90 days or more during the preceding 365 days. All drivers must carry proof of insurance and present it to any law enforcement officer upon request.
Utah law requires liability limits of 25/50/15 and these numbers stand for bodily injury of $25,000 per person for bodily injury up to $50,000 per accident and $15,000 per accident for property damage.
Also the no-fault law of Utah requires drivers to purchase a minimum of $3,000 in personal protection injury (PIP). Basically this coverage will pay for your medical expenses in case of an accident.
To help protect you and your passengers against damages by an uninsured motorist, Utah state law requires a minimum Uninsured/Underinsured Motorist coverage of $25,000 per person, $50,000 per accident for any bodily injury caused by an uninsured motorist.