UNINSURED MOTORIST COVERAGES—WHAT IS IT?

Introduction to Uninsured Motorist Coverage

Uninsured Motorist Coverage (UM) is first-party insurance that provides financial protection when:

1. The at-fault driver has no insurance.
2. The at-fault driver flees the scene of the accident.
3. The at-fault driver causes you to crash without making contact and leaves the scene.

UM coverage ensures you’re not left bearing the financial burden caused by another party’s negligence or illegal actions.

When Does UM Coverage Apply?

UM coverage is triggered in the following scenarios:

• Hit-and-Run Accidents: The at-fault driver leaves the scene without providing their information.
• Uninsured Drivers: The at-fault driver lacks the legally required liability insurance.
• Non-Contact Accidents: The at-fault driver causes you to crash and flees, even without direct contact.

Components of Utah Car Insurance

Utah mandates several types of car insurance to ensure coverage for drivers and passengers. Key components include:

1. Liability Insurance: Covers damages you cause to others.
2. Personal Injury Protection (PIP): Covers medical expenses and lost wages regardless of fault.
3. Uninsured Motorist Coverage (UM): Protects you when the at-fault driver lacks insurance.
4. Underinsured Motorist Coverage (UIM): Fills the gap when the at-fault driver’s insurance is insufficient.
5. Uninsured Property Damage: Covers your property when hit by an uninsured driver.
6. Collision Coverage: Optional; covers your vehicle if you’re at fault in an accident.

Mandatory Insurance Requirements in Utah

Utah law requires minimum insurance coverage, including:

• Liability Coverage: $25,000 per person and $65,000 per accident.
• PIP Coverage: At least $3,000 for medical expenses.
• UM Coverage: $25,000 per person and $65,000 per accident.
• Uninsured Property Damage: Up to $3,500 for repairs or replacement.
• And the at-fault insurance company has to tell you their policy limits.

Why You Should Never Waive UM Coverage

Waiving UM coverage is technically allowed under Utah Code 31A-22-305 but is strongly discouraged. Without UM, you could face significant financial burdens after an accident with an uninsured or fleeing driver. Even if a waiver is signed, it must meet specific legal criteria, or it is invalid.

Requirements for a Valid UM Waiver

To waive UM coverage legally in Utah, the waiver must:

1. Be signed in writing.
2. Include specific language explaining UM coverage and its benefits.
3. Disclose the cost of maintaining UM coverage.

How Much UM Coverage Should You Carry?

In Utah, your UM coverage generally matches your liability limits. For example:

• Minimum Coverage: $25,000 per person and $65,000 per accident.
• Recommended Coverage: Higher limits to ensure comprehensive protection for you and your family.

Filing a UM Claim

If you’re involved in an accident where UM coverage applies:

1. Report the Accident: Notify law enforcement and your insurance company immediately.
2. Document the Incident: Collect evidence, including photos, witness statements, and medical records.
3. File a UM Claim: Contact your insurer to initiate the claim process.
4. Consult an Attorney: Seek legal advice for disputes or complex claims.

FAQs About Uninsured Motorist Coverage in Utah

What does UM coverage include?

UM covers medical expenses, lost wages, and pain and suffering if the at-fault driver lacks insurance.

Can UM cover property damage?

No, UM specifically covers bodily injuries. Uninsured property damage coverage is separate.

Can UM coverage be waived?

Yes, but it’s strongly discouraged. Waivers must meet specific legal requirements to be valid.

Does UM apply in hit-and-run accidents?

Yes, UM covers bodily injuries caused by hit-and-run drivers.

How do I know if I have UM coverage?

Check your car insurance policy or consult with your insurance provider.

What if my damages exceed UM limits?

If damages exceed your UM coverage, underinsured motorist (UIM) coverage may help.

Conclusion

Uninsured Motorist Coverage is an essential safeguard for Utah drivers, ensuring you’re protected financially in accidents involving uninsured or hit-and-run drivers. Always opt for higher UM limits to maximize protection for yourself and your family.

DO YOU HAVE A HIT-AND-RUN CASE OR AN ACCIDENT INVOLVING AN UNINSURED DRIVER? CALL/TEXT JAKE GUNTER FOR A FREE CONSULTATION AT (801) 373-6345.