PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
What happens if I'm at fault in an accident with Utah's minimum car insurance limits?
"I have collision coverage in addition to the state minimums, but I'm not sure about the other driver. I know the damage to the other driver's car is above my property damage limit.
How much will I have to pay out of pocket? Would it matter what coverage they have on their vehicle?"
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If you’re at fault in an accident, you are responsible for any resulting damages or injuries. Once your insurance limits are exhausted, you’re required to pay for the rest out of pocket.
In some cases, the other driver’s
underinsured motorist coverage
may apply. However, their insurance company will attempt to recover any money that they pay out. This means you’d still be responsible for the amount and they could file a suit against you to recover any damages. Should you be unable to pay for the damages, they could garnish your future wages or assets to pay for them. This is one reason why it’s extremely important to carry the highest limits of insurance coverage that you can afford.
While you may have to pay more upfront, you can avoid any financial hardship that an at-fault accident may cause in the future.
“
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
Related Questions and Articles
Browse More Content
Car Repair Resources
Insurance in Your State
What Others Are Asking
Read Advice From Car Experts At Jerry
Browse By Topics
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
