Introduction
Utah law requires all drivers to demonstrate financial responsibility before operating a motor vehicle. This ensures that if you are involved in a collision, you can cover the costs of damages or injuries you cause. The most common way to meet this requirement is by carrying valid auto insurance.
Key Requirements
-
Mandatory Insurance Coverage
-
Drivers must maintain a minimum level of auto liability insurance.
-
Proof of insurance must be carried in the vehicle at all times and shown when requested by law enforcement.
-
-
Minimum Liability Coverage in Utah
-
$25,000 for bodily injury or death of one person in an accident.
-
$65,000 total for bodily injury or death of two or more people.
-
$15,000 for property damage per accident.
-
-
No-Fault Insurance (PIP)
-
Utah is a no-fault state, meaning your insurance pays for your medical expenses (up to $3,000 minimum) regardless of who caused the accident.
-
This coverage is called Personal Injury Protection (PIP).
-
-
Proof of Responsibility
-
Drivers may be asked to show proof of insurance at traffic stops, after accidents, or during registration renewals.
-
Failure to provide proof can lead to fines, license suspension, and vehicle registration revocation.
-
Why This Law Matters
-
Protects accident victims by ensuring compensation.
-
Prevents uninsured drivers from placing financial burdens on others.
-
Encourages responsible driving and accountability.
✅ Takeaway: Every driver in Utah must carry insurance that meets the state’s minimum liability coverage and PIP requirements. Driving without proof of insurance can lead to serious penalties.