What to Do in an Accident With an Uninsured or Underinsured Motorist
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
The answer to the above question lies in your own insurance policy. In Utah, you are not legally required to carry uninsured motorist insurance as part of your policy, but because there are so many uninsured drivers, it is a good idea to do so. The limits on this part of your policy should match the other limits in place in case you are at fault.
The time to talk about and learn about these limits is not when you have an accident, but when you sit down with your insurance agent to look at your policy. It is a good idea to have an annual insurance review with your agent in case circumstances and laws have changed.