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| Utah Auto Insurance Laws in Comparision With Other States |
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| Written by Steve Turner |
| Thursday, 04 December 2008 09:05 |
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In Utah and the rest of the United States, car owners are required to continuously have their cars insured. Although the amount of coverage greatly differs, the normal amount required by Utah auto insurnace laws is $25,000/$50,000 (meaning up to $25,000 per victim with a cap of $50,000 for the entire accident) and $10,000 for property damages. Although these minimums are predominately universal, the DMV from each state sets their own standards. As long as your insurance policy is current, your insurance company assumes responsibility for expenses up to the amount on your policy if you get in an accident. However, if you do not have current insurance, or if you have cancelled it, your insurance company will not pay a dime, you will be forced to pay it all. To make sure that vehicle owners stay insured the government is cracking down on those who do not have insurance. These punishments are set forth by each state's DMV, vary depending on the state. If you are in an accident and you have allowed your insurance to lapse, what could happen? The punishments can be very severe. If you live in Utah, you are forced to pay 100% of the damages, and your driver's license is suspended until you do so. Your driver's license can be revoked for up to six years! In Michigan, one with insurance is only liable for up to $500, while those who do not have insurance are required to pay for the damages in full. The laws are probably the strictest in Texas. You cannot have a driver's license until you can prove that you have insurance. If at any time you are caught without insurance you will have an initial warning fine of up to $350. It gets worse if you are caught more than once. On the second time, you are fined at least $1000 and they can take your car for up to six months. In California the liability limits are much lower than most other states, yet they treat driving without insurance very harshly. If you are caught without current insurance, your driver's license will likely be taken away for up to a year. You car can be impounded and your registration will be suspended until you have proof of current insurance. Like other states, without insurance you are fully responsible for all damages in a wreck. It is crucial that you have enough insurance, and that you don't let it lapse. It is too much of a gamble to go without insurance, because sooner or later you will end up paying for it much more than the cost of coverage. Call your Insurance Agent to make sure your insurance is current and valid. Before buying a car, check with them to make sure that you have adequate insurance that you will be able to afford the monthly payments. About the Author: Steve Turner has a great deal of knowledge about Car Insurance in Utah.Auto Insurance in Utah Steve Turner also knows plenty about the various insurnace laws across the country.Auto Insurance Laws Kindly provided by LJ-Marketing.dk You are welcome to use this article on your own website, if you include the link just before this text. |
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