When the person who caused the accident is uninsured, you may think you have no options to help you cover your expenses. However, most insurance policies in Utah contain coverage for their holders should they ever be in an accident caused by someone without insurance. This means your own insurance policy should cover you in these cases. Your medical and vehicle expenses will be handled separately in these cases:
Medical: Insurance policies in Utah are required to have uninsured motorist coverage equal to the liability limits that cover your medical injuries. The only exception to this rule would be if you voluntarily waived your uninsured motorist coverage. Even if your insurance company claims you have waived this coverage, you should speak to a lawyer, as many times the waivers are not proper, and you are still entitled to this coverage.
Vehicle: If your vehicle is damaged by an uninsured driver, your insurance will cover the cost of repairs or a replacement vehicle if you have a full coverage policy, but you will still have to pay your deductible. However, if you elected to include uninsured motorist property damage on your policy, your insurance will cover your vehicle costs without you having to pay the deductible. If you do not have these types of coverages, you will have to take legal action against the person who caused the accident.