Utah Proposed Law – Driving Without Insurance

Current Law

Drivers are forbidden by law in the state of Utah to engage in driving without insurance. Drivers must be able to possess proof of insurance, proof of registration, and a valid driver’s license while driving. If a peace officer requests proof of insurance, the driver must provide either a physical or electronic copy. If the person is driving without insurance, this is a breach of the law.

The state requires each driver to have $25,000 per person for bodily injury, $65,000 per accident for bodily injury, and $25,000 per accident in property damage. With Utah being a no-fault state, the minimum legal insurance requirements are 25/65/25 and no-fault insurance of $3,000 per person. If someone has been driving without insurance and fails to provide insurance when requested from a peace officer of 25/65/25, they can be fined and/or cited with the possibility of suspended driving privileges.

Proposed Law

The proposed law for driving in Utah adds requirements from the current law. The proposed law requires drivers to provide security for their vehicle in any one of the following ways:

• Insurance policy;
• Insurance policy declaration page;
• Binder notice;
• Renewal notice; or
• Card issued by an insurance company as evidence of insurance.

With regard to the electronic version of evidence of insurance, a peace office viewing the electronic form of insurance may not view any other content on the mobile electronic device. If the peace officer inadvertently views content on the mobile device, that peace officer is not subject to civil liability.

If someone is guilty of driving without insurance, they can be guilty of a first offense and subject to a fine of not less than $400. A court may waive up to $300 of that $400 offense IF the person obtained insurance after the incident but before the court sentencing.