As other states, Utah is a no fault state, this means that if you are involved in an accident, you'll be covered by your own insurance policy, regardless whose fault was it. This is why it is required for drivers to own PIP (Personal Injury Protection). No fault state has as a benefit that since you'll be covered by your own insurance, your insurer will be quicker to pay for your expenses, because the time used to determine responsibilities will be absorbed by the insurance company.

Due to the number of exceptions to the no fault policy, if you are determined as responsible for the accident and are obliged to pay for the other driver, the ownership of liability insurance coverage can be of great help. Liability coverage will help you pay for medical expenses and damage costs to others. This way, ownership of the right amount of liability coverage can be considered as an investment, or a way to protect your assets in t he event of a possible lawsuit.

In addition to PIP and liability coverage, you may also consider comprehensive, collision, uninsured / underinsured coverage.

The first one of the most commonly added coverage types is comprehensive coverage. It can be used to pay for expenses related to accidents suffered by your vehicle in which no collision with another vehicle took place and that may have caused damages your car, such as bad weather (flooding, high winds, wild fires, earthquakes, etc.), falling objects, vandalism, fire, etc.

Very closely related to comprehensive, is Collision coverage. This type of coverage is intended to pay for any physical reparations your vehicle may need after being in a collision. Collisions can go from a common "fender bender" to a more delicate situation like an accident on a highway or high speed road. Collision will then help you get your vehicle up and running.

Neither collision nor comprehensive coverage will pay for any medical or legal expenses. Their purpose is solely to fix your vehicle and get it to work again.

Uninsured/Underinsured Motorist coverage helps pay when you are involved in an accident with a driver who doesn't own liability insurance or the amount owned isn't enough and is held responsible for the damages, since it's bound to take some time for you to be paid, this coverage can help take care of expenses. This can also be used on hit and run situations

Liability insurance is required to have the following minimum coverage: $25,000 per person for bodily injury, $65,000 per accident for bodily injury and $15,000 per accident for property damage.

PIP requires a minimum of $3,000 coverage. Liability will pay for other people's expenses; PIP will pay for your own.

It is required for drivers to show proof of insurance or financial responsibility if requested by a law enforcement officer. You can demonstrate you have car insurance policy by showing the Insurance ID Card issued by your insurance company at the moment when you acquire the policy.