This article gives helpful tips on purchasing car insurance in Utah. It briefly describes different sections of your insurance policy that you may not have understood or even know about.
1. Buy Insurance like everyone else on the road doesn’t have any insurance.
Many people purchase car insurance with the thought that their insurance is to cover if they cause a crash. This is partially true, but not completely. There are many different sections to auto insurance policies. Pay close attention when your agent talks about “PIP” and “UIM/UM” portions of your policy, those are the sections that cover your personally, not the other car.
2. Buy extra “PIP” coverage. Utah law requires $3,000 as a minimum for each policy. PIP is an acronym that stands for Personal Injury Protection. It is the portion of your policy that pays your initial medical bills, lost wages, and essential services. PIP coverage doesn’t care who caused the crash, it covers you no matter what. Many people use up all their PIP very quickly with an ambulance ride and an E.R. visit. If you purchase enough coverage under the PIP section of your policy you may be able to avoid the hassle of paying for your medical treatment out of pocket.
3. Purchase plenty of UM/ UIM coverage. UM stands for Uninsured Motorist Coverage and UIM stands for Underinsured Motorist Coverage. This section of your insurance comes in and pays when you are in a crash, that was not your fault, and the other driver did not have enough insurance to coverage your claim. This insurance coverage is especially helpful if you are in a catastrophic crash.
4. Ask about towing and rental car coverage.
In the Property Damage section of your policy you may have the option to include rental car coverage and towing. I would recommend purchasing this along with your policy. If the driver that caused the crash does not have this on his policy you may have to pay out of pocket for a rental car or for the towing. If you have this option on your policy and it takes longer than expected to get things rolling through the at fault driver’s insurance you can use the coverage on your vehicle and your insurance will seek repayment from the other driver’s insurance.
5. Glass coverage. Many people think that a zero deductible is too expensive and not necessary. On glass claims this is not always the case. Ask your insurance agent what the price difference is between a zero glass deductible and your current deductible. You may be pleasantly surprised that for a few dollars more you can make a claim and have your broken glass fixed without having to come up with the deduct able.
Insurance doesn’t have to be scary or confusing. When you purchase insurance prepare for the worst possible scenario. A lot of us think that if we are careful drivers we can purchase the minimum insurance coverage, this is not the true. We purchase insurance for the extraordinary event. Hopefully you will never have to use your coverage, but in the event that you do having enough makes things a lot easier. Talk to your local insurance agent if you have questions.