Insurance coverage — Utah Permit Test

Bodily injury and property damage liability is mandatory Utah coverage that pays for injuries or damage your negligence causes to another person or their property.

This is the cover the law is actually about. It pays the person you hit, not you.

BODILY INJURY AND PROPERTY DAMAGE LIABILITY—mandatory coverage that provides payment for injuries or damages caused by your negligence to another person or property.

Uninsured motorist coverage pays for injuries to a Utah driver and their passengers in a crash caused by an uninsured or hit-and-run driver.

The other driver having no insurance does not pay your hospital bill. This is the cover that does.

UNINSURED MOTORIST—covers injuries to you and your passengers if you are in a crash that is caused by another driver who does not have insurance or by a “hit-and-run” driver.

Personal injury protection, also called no-fault, is mandatory Utah coverage that provides basic benefits for bodily injury without having to determine fault.

It pays first and argues later, which is what gets somebody treated in the week after a crash rather than the year after.

PERSONAL INJURY PROTECTION (ALSO KNOWN AS “NO-FAULT” OR “PIP”)—mandatory and provides some basic benefits and coverage for bodily injury to you and others without having to determine “fault” in a crash.

Collision coverage pays to repair a Utah driver’s own vehicle after a collision, subject to a deductible, and is not required by law.

The state does not care whether your own car is repaired. Your lender usually does.

COLLISION—covers repairs to your vehicle for damage caused by a collision, subject to a deductible, usually when no other person is at fault.

Comprehensive coverage pays to repair a Utah vehicle for damage caused by something other than a collision, such as fire, theft, vandalism, or glass breakage.

Most damage to a parked car is not a crash at all, and this is the only cover that reaches it.

COMPREHENSIVE—covers repairs to your vehicle for damage caused by reasons other than collisions, such as fire, theft, vandalism, or glass breakage.

Who does Utah liability coverage pay?

The other person harmed. This is the cover the law is actually about. It pays the person you hit, not you. Utah Driver Handbook 2026-2027, p.69: “BODILY INJURY AND PROPERTY DAMAGE LIABILITY—mandatory coverage that provides payment for injuries or damages caused by your negligence to another person or property.”