Bamboo Insurance
7050 Union Park Center, Suite 550, Midvale, UT 84047
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Midvale households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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7050 Union Park Center, Suite 550, Midvale, UT 84047
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7050 S. Union Park Center, Suite 650, Midvale, UT 84047
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6905 S. 1300 E., STE. 117, Midvale, UT 84047
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Learn about insurance coverage options specific to Midvale residents.
In Utah's no-fault system, your own insurance company pays for your medical expenses and related costs after an accident, regardless of who caused it. This is handled through Personal Injury Protection (PIP) coverage, which is required at a minimum of $3,000. The benefit is that you receive payment quickly without waiting for fault to be determined or dealing with the other driver's insurer.
Midvale drivers pay higher premiums—averaging $172 per month for full coverage—primarily due to population density of about 6,000 people per square mile. More vehicles on the road increase accident risk. Additionally, Midvale's location along the I-15 corridor brings rush hour congestion, and significant winter weather creates hazardous driving conditions that lead to more claims.
For many accidents, $3,000 in PIP coverage is not sufficient to cover medical expenses. A single emergency room visit can easily exceed this amount. Many Midvale drivers choose to increase their PIP limits to $5,000, $10,000, or higher to ensure adequate protection, especially if they have long commutes or frequently drive in challenging winter conditions.
If you cause an accident and the damages exceed your liability coverage limits, you become personally responsible for paying the difference. For example, if someone's medical bills are $50,000 and you only have the minimum $30,000 per person coverage, you would owe $20,000 out of pocket. This is why many experts recommend carrying higher liability limits than the state minimum.
While comprehensive coverage isn't legally required, it's highly recommended for Midvale drivers. This coverage protects your vehicle from winter weather damage, hail, theft, vandalism, and hitting animals—all real risks in this area. If your vehicle is worth more than a few thousand dollars or you can't afford to replace it out of pocket, comprehensive coverage makes financial sense.
Driving without insurance in Utah can result in fines, license suspension, and higher insurance rates when you reinstate coverage. Utah requires continuous insurance coverage throughout your vehicle's registration period. If your policy lapses, you must pay reinstatement fees and could face legal consequences if you're caught driving uninsured.
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