Liability Insurance — Utah
Liability insurance covers damage and injuries you cause to others in an at-fault accident — it does not cover your own vehicle or medical bills.
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What Is Liability Insurance Insurance?
Liability insurance pays for property damage and bodily injury you cause to others when you are at fault in an accident. It covers the other driver's medical bills, lost wages, vehicle repairs, and legal defense costs if you're sued. Utah liability policies split into three components: bodily injury per person, bodily injury per accident, and property damage per accident.
Who Needs Liability Insurance Insurance?
Suspended drivers in Utah must carry liability insurance to satisfy reinstatement conditions, even during the suspension period when you cannot legally drive. If your suspension requires SR-22 filing, you must maintain continuous liability coverage without any lapses for the entire SR-22 period — usually three years — or the clock resets. Non-owner liability policies allow you to meet this requirement without owning a vehicle, which is common for DUI suspenders who sold their car or lost access to it.
Check your suspension notice or call the Utah DLD at 801-965-4437 to confirm whether insurance is required for reinstatement. If SR-22 filing is required, liability coverage is mandatory and must remain continuous. If you own a vehicle, buy a standard liability policy with SR-22 if applicable. If you don't own a vehicle but will drive borrowed or rental cars, buy a non-owner policy. If you will not drive at all during suspension but need coverage to satisfy reinstatement, a non-owner policy is the lowest-cost compliant option.
