In the state of Utah, drivers of all types of motor vehicles, including motorcycles, are required to purchase an adequate insurance policy. If you don't purchase the insurance you need for your motorcycle, it may be impounded. If you get into an accident without insurance, you may face other serious consequences as well.
According to the State of Utah Insurance Department, the insurance requirements for motorcycles registered to Utah drivers are as follows:
Property Damage Liability – Under Utah law, you are required to purchase a policy that provides at least $15,000 in property damage liability coverage per accident. This coverage will pay for any damage you cause to another person's property or vehicle.
Bodily Injury Liability – The state of Utah requires you to purchase an insurance policy that pays at least $25,000 per person and $65,000 per accident in bodily injury liability coverage. This coverage will pay for any injuries other people sustain in an accident you cause.
Although drivers of passenger cars and some other vehicles are required to purchase personal injury protection insurance as well, this type of coverage is not available for motorcycles.
Optional Motorcycle Insurance
The following types of motorcycle insurance coverage are available, but not required by law:
Uninsured Motorist Insurance – Property Damage: Uninsured motorist property damage insurance covers damage to your motorcycle when the driver at fault for the accident doesn't have any car insurance.
Uninsured Motorist Insurance – Bodily Injury: Uninsured motorist bodily injury insurance covers the cost of injuries for you and any passengers on your motorcycle if the driver who caused them doesn't have any insurance.
Underinsured Motorist Insurance – Bodily Injury: Underinsured motorist bodily injury insurance covers the cost of injuries for you and any passengers on your motorcycle if the driver who caused them doesn't have enough coverage to pay all of your expenses.
Collision Coverage – This type of insurance covers damage or losses resulting from a collision with another vehicle or a stationary object.
Comprehensive Coverage – Comprehensive insurance covers losses not related to a collision. Examples include losses resulting from theft, hail, fire and other such incidents.
More to Consider
Purchasing a certain amount of insurance for your motorcycle is required by law. However, purchasing additional coverage is also recommended, especially if you ride frequently and/or have an expensive motorcycle. If you are in an accident with someone who doesn't have enough insurance to pay your expenses, or if you cause the accident, this extra coverage will be beneficial.
If you have already been involved in a motorcycle accident that resulted in property damage or injuries and you would like legal advice, please contact Utah Bike Law.