How Much Car Insurance Should You Have? A LOT.
When it comes to car insurance, many people in Utah only think about meeting the state minimum requirements. However, Utah personal injury attorney Jake Gunter recommends getting more than just the basics to protect your assets and financial future.
Utah State Minimum Car Insurance Requirements
Under Utah law, drivers must carry liability insurance with at least:
- $25,000 per person for bodily injury.
- $65,000 per accident (aggregate coverage for all injured parties).
While these amounts satisfy the legal minimum, they may fall short if an accident causes severe injuries or involves multiple people. If your insurance coverage isn’t enough, your personal assets could be at risk.
Why You Need More Than the Minimum Car Insurance
1. Protect Your Assets
Attorney Jake Gunter recommends analyzing your non-exempt assets—property, savings, and other valuables—when deciding how much car insurance to buy.
- Example 1: If you have $150,000 in home equity, you should carry at least $250,000 in liability insurance.
- Example 2: If you have $1 million in assets, consider purchasing a $1 million umbrella policy to ensure full protection.
Without sufficient coverage, you could face lawsuits and asset forfeiture if an accident exceeds your policy limits.
2. Avoid Financial Devastation
In Jake Gunter’s experience, too many drivers carry insufficient insurance, leaving them vulnerable when accidents happen. Having adequate car insurance protects you from unexpected financial burdens and helps you recover from accidents more effectively.
Types of Car Insurance Coverage to Consider
In addition to liability insurance, Jake Gunter suggests exploring additional coverage options to enhance your protection:
- Uninsured/Underinsured Motorist Coverage: Protects you if the at-fault driver doesn’t have enough insurance.
- Comprehensive Coverage: Covers damage from non-collision events like theft, fire, or natural disasters.
- Collision Coverage: Pays for repairs to your vehicle, regardless of fault.
- Umbrella Policy: Provides extra liability coverage beyond your standard policy limits.
Why Choose an Experienced Insurance Claims Lawyer?
Jake Gunter handles insurance claims daily and has seen the consequences of carrying too little coverage. His expertise in navigating insurance claims and protecting clients’ interests ensures you make informed decisions about your car insurance.
Get a Free Consultation with Utah Personal Injury Lawyer Jake Gunter
If you’ve been involved in a car accident or need guidance on choosing the right car insurance, attorney Jake Gunter offers a free consultation to answer your questions. Protect yourself and your assets by understanding your insurance options.
- Contact Information: Call or text (801) 373-6345 for personalized advice.
Conclusion
Having the right car insurance coverage in Utah is crucial for protecting your financial future. While the state’s minimum requirements may meet legal obligations, they often fall short in real-world scenarios. Consult with attorney Jake Gunter to determine the coverage that best suits your needs and assets.
Learn More About Utah Accident Lawyer Jake Gunter 
For additional insights on Utah personal injury law and to get to know Jake Gunter better, check out these helpful videos:
- Meet Jake Gunter – Learn more about Jake Gunter’s background, experience, and dedication to helping clients throughout Utah.
- How to Choose a Utah Personal Injury Attorney – This video offers guidance on selecting the right personal injury attorney to ensure you receive effective representation.
- What Jake Gunter Does and Who He Represents – Discover the types of cases Jake Gunter handles and how he advocates for the rights of injured individuals statewide.
These resources will provide you with valuable information as you consider your legal options. For any questions or to schedule a free consultation, feel free to reach out to us directly.