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Uninsured
Motorist Property Damage
Uninsured motorist property damage (UMPD) coverage is an
optional auto insurance coverage in Utah.
However, if collision coverage is not purchased, UMPD coverage is mandatory.
| This coverage provides protection for: |
- Damages
sustained in an accident caused by a driver who is not insured (This
coverage does not provide for accidents caused by underinsured motorists.)
- Vehicles
covered by the Utah
auto insurance policy
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How
much protection does this coverage provide?
Your UMPD coverage cannot exceed the vehicle's actual cash
value or $3,500, whichever is less, and is also subject to a deductible.
Selected limits apply to all vehicles.
Who
might benefit from buying uninsured motorist property damage coverage?
Utah
policyholders who did not purchase collision coverage will benefit from
uninsured motorist property damage coverage if an uninsured motorist hits
them.
Comprehensive
Comprehensive coverage is optional in Utah. However, it must be included on
policies that have collision coverage, and it can't be purchased without bodily
injury coverage.
| This coverage provides protection for: |
- Damage
not resulting from a collision. (e.g., damage from falling objects, fire,
certain natural disasters, and vandalism)
- Theft
- Glass
damage
- Damage
from hitting an animal
- Vehicles
covered by the Utah
auto insurance policy
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Who
might benefit from buying comprehensive coverage?
If your car is financed or leased, the finance company will
probably require that you carry this coverage. If you have a newer vehicle or
one in excellent condition, you may need this coverage to replace or repair the
vehicle in case of loss. If you have an older car or one in poor condition, you
may not want to pay for this coverage.
Collision
Collision coverage is optional in Utah.
| How much protection does this coverage provide? |
- Repair
or replacement cost of the vehicle that has collided with other
cars/objects or has rolled over
- Vehicles
covered by the Utah
auto insurance policy
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Who
might benefit from buying collision coverage?
If your car is financed or leased, the finance company will
probably require that you carry this coverage. If you have a newer vehicle or
one in excellent condition, you may need this coverage to replace or repair the
vehicle in case of loss. If you have an older car or one in poor condition, you
may not want to pay for this coverage.
Emergency
Road Service
Emergency Road Service is optional in Utah. This coverage, sometimes called Towing
and Labor coverage, pays for the cost of towing your car if it becomes
disabled. Emergency Road Service coverage can only be purchased with collision
coverage.
How
much protection does this coverage provide?
The coverage limits you select in your quote refer to the
maximum amounts that will be paid per incident, per term, respectively.
Rental
Reimbursement
Rental reimbursement coverage is optional in Utah. Rental reimbursement
coverage can only be purchased with collision and comprehensive coverage.
What's
covered?
This auto insurance coverage pays for the cost of a rental
car if you can't drive the insured vehicle due to theft or damage from an
accident.
How
much protection does this coverage provide?
The dual coverage limits you select in your auto insurance
quote refer to the maximum amount that will be paid per day, per accident,
respectively.
Custom
Parts and Equipment Coverage Limits
Custom parts and equipment coverage is optional in Utah. If you buy this
auto insurance coverage, you must also buy comprehensive and collision
coverage.
What's
covered?
Customized equipment coverage is appropriate if your vehicle
has permanently installed custom parts or equipment other than those installed
by the original manufacturer.
| Examples of customized equipment include: |
- Any
dealer-installed equipment that is not offered by the original
manufacturer
- Special
equipment on vehicles, vans, and trucks, including: running boards, brush
bars, roll bars, undercarriage lighting, fog lights, bed liners, camper
shells, and trailer hitches
- Customized
wheels, spoilers, suspensions or performance-related equipment
- Stereo,
sound recording, and television equipment
- Customized
paint or decals
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How
much protection does this coverage provide?
Within the limits you select in your auto insurance quote,
this coverage reimburses you for the lowest amount of the following: the actual
cash value, the declared value, or the actual cost to repair.
Who
might benefit from buying customized equipment coverage?
Your Utah
auto insurance policy covers only the original equipment included by the
manufacturer. Should your vehicle have additional equipment, accessories,
enhancements, and changes that alter the appearance or performance of the
vehicle, it's advisable that you buy custom parts and equipment coverage to
protect these items.
Auto
Loan/Lease Coverage
Auto loan/lease coverage is optional in Utah. To buy this auto insurance coverage,
you must purchase collision and comprehensive coverages and your car must be
financed or leased.
What's
covered?
This coverage protects you if your car gets damaged. You
will be reimbursed for the difference between the following items:
- The
actual cash value of your car at the time of the loss, less the applicable
deductible and the vehicle's salvage value (if retained by the owner or
insured); and
- Any
greater amount owed on the vehicle at the time of loss, less any unpaid
finance charges, excess mileage or wear and tear charges, any other
charges or expenses associated with the loan or lease, and the vehicle's
salvage value (if retained by the owner or insured).
How
much protection does this coverage provide?
Any payment under this coverage will not exceed 25% of the
actual cash value of the vehicle at the time of the loss.
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