In most states, including Utah, motorists are required to carry liability coverage on their
automobiles, and if the automobile is financed, most banks and other lenders require that
collision insurance is carried as well. However, the reality is that what people are
required to do by law and what they actually do are two different things.
In fact, around 10% of Utah motorists do not have insurance coverage, and an even larger
percentage are underinsured, and do not have the limits necessary to cover an accident if
they are involved in one and at fault