Uninsured Motorist Coverage — Utah
Uninsured motorist coverage pays your medical bills and vehicle damage when an at-fault driver has no insurance or flees the scene.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured motorist coverage pays when another driver causes an accident and has no insurance, carries limits below Utah's minimums, or leaves the scene without identification. It covers your medical expenses, lost wages, and in Utah's case, property damage to your vehicle. The coverage activates only after you establish the other driver is uninsured or underinsured, which means filing a police report and documenting the claim with your carrier.
- You carry a non-owner SR-22 policy to satisfy reinstatement requirements and borrow a friend's car. An uninsured driver causes an accident that injures you. Your non-owner UM coverage pays your medical bills up to your policy limit. It does not cover the friend's vehicle damage because non-owner policies exclude physical damage to vehicles you drive.
Who Needs Uninsured Motorist Coverage Insurance?
Suspended drivers reinstating with SR-22 should carry UM at Utah minimums or higher because you cannot reject it without voiding your SR-22 filing in most cases. Non-owner SR-22 policies always include UM because the carrier assumes you will borrow vehicles and face higher uninsured driver exposure. If you drive during suspension on a hardship license, UM is the only coverage protecting you from uninsured drivers since the other driver's liability policy pays nothing if they have none.
Increase UM limits if you have assets an injured party could pursue in a lawsuit, or if you regularly drive in areas with high uninsured driver rates like Salt Lake City or West Valley City. Keep minimums if you carry a non-owner policy with no vehicle and have health insurance covering your medical costs.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your driving record and suspension history directly affect UM cost even though UM covers others' actions, because carriers assume suspended drivers file more UM claims statistically.
- Stacking UM coverage across multiple vehicles on one policy doubles or triples the cost but also doubles or triples the available payout per accident.
