In Utah, liability insurance for all drivers is mandatory. Utah has provisions on liability coverage, personal injury protection (PIP), and coverage for uninsured or underinsured motorists. Since Utah law requires car insurance, not providing proof of coverage can have serious consequences. While you can't predict a car accident, you can try to prepare for it, and buying an auto insurance policy is the best way to do that.
It's also important to note that if you have an auto loan or lease your vehicle, your lender or leasing company may require you to take out additional auto insurance. The insurance limit is the maximum amount of money an insurer will pay in the event of a claim.