Insurance requirements for registering a car in Utah
All drivers who are residents of Utah or have been in Utah for at least 90 days must insure their liability or "financial liability" through a Utah insurance company to cover vehicle-related costs. accident.
The minimum financial liability requirements for Utah drivers are as follows:
A minimum of $3,000 per person on your injury protection policy. This insurance is also called "no-fault car insurance" and pays for your medical bills after an accident, no matter who is at fault.
Minimum $25,000 per person for personal injury or death. While this usually means you'll need to carry at least $50,000 with you to cover the fewest possible number of people involved in an accident (two drivers), Utah requires a minimum amount for personal injury or death to be $65,000 .
$15,000 minimum for property damage liability
This means that the total minimum financial liability you will need is $80,000 for bodily injury or death and liability for property damage, plus an additional $3,000 per person on your policy for no-fault insurance.
Electronic monitoring
Utah has an electronic verification system that tracks the insurance status of all registered vehicles in the state. If your insurance company cancels your insurance, the electronic system will send a letter to your address. You must provide a copy of your insurance policy to prove that you have the required liability insurance in this case.
proof of insurance
If a driver in Utah is stopped for a traffic violation, they must provide proof of insurance to a police officer. Acceptable forms of insurance include:
Insurance certificate from an authorized insurance company
Insurance policy binding
Insurance policy declaration page
Penalties for Violation
Driving without statutory liability insurance is a class B misdemeanor in Utah. This charge entails several penalties, which may include:
Fine of at least $400 for the first violation
Fines of at least $1,000 for future offenses
Suspension of driving license
Suspension of vehicle registration
If your driver's license has been suspended due to an insurance policy violation, you must follow these steps to reinstate it:
Buy car insurance and submit proof to the Utah Department of Motor Vehicles.
Pay the $30 recovery fee.
If your vehicle registration has been suspended due to an insurance breach, you must follow these steps to restore it:
Provide proof that you are the owner of the vehicle
Present photo ID
Present proof of insurance in the form of a valid insurance policy, insurance card, insurance folder or a copy of the insurance policy declaration page.
Pay the $100 recovery fee.
For more information or to renew your registration online, contact the Motor Vehicle Division of the Utah Tax Commission through their website.
