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Keywords:Amica Mutual insurance company,January 1, 1974
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Amica Mutual insurance company
TO OUR UTAH AUTOMOBILE INSURANCE POLICYHOLDERS
The Utah No-Fault motor vehicle Insurance law (Senate Bill No. 112) becomes effective as to accidents occurring in Utah on and after January 1, 1974. The law requires all owners of automobiles to carry Bodily Injury Liability ($15,000 per person, $30,000 per accident), Property Damage Liability ($5,000 per accident) and Personal Injury Protection (No-Fault) coverages.
The enclosed "Utah Personal Injury Protection" endorsement, which should be attached to your policy, changes your policy to conform to the No-Fault law as follows:
1.	Section I describes the Personal Injury Protection coverage benefits newly added. (Your policy already includes the Bodily Injury and Property Damage Liability coverages.)
2.	Section II changes any Medical Payments coverage to apply only in excess of benefits paid under the Personal Injury Protection coverage, and reduces any amount payable under any Uninsured Motorists coverage by the amount of Personal Injury Protection benefits paid or payable.
Information about the availability of additional protection benefits and deductibles will be sent to you in the near future.
For your information enclosed is a brochure which explains in general terms the new law and the benefits payable under the No-Fault coverage.
We are enclosing an Identification Card which meets the requirements of the Utah No-Fault law. Please read the instructions on the back of the card and keep the card in your car at all times.
If you desire further information or have any questions about your policy, please contact us.
AMICA MUTUAL INSURANCE COMPANY
1067-1 Utah
JANUARY 1, 1974
Salt Lake City, Utah
Where Are You Protected?
No-Fault benefits apply only for injuries received in the State of Utah. However, most insurance companies offer out-of-state endorsements which give you the coverages required by other states when you travel out-of-state. If you are involved in an accident outside the State of Utah, you must comply with the legal insurance system in effect in that state where the accident occurs.
How Are You Paid?
Payment of benefits is made to you monthly, as expenses are incurred.
Are Deductibles Offered?
Many companies offer, at an appropriate reduction in premium, several choices of deductibles.
Can I Still Sue?
If you are injured, your own insurance company will pay your basic No-Fault benefits. In addition, you retain the right to sue in all cases involving death, dismemberment or fracture, permanent disability, permanent disfigurement, and in case your medical expenses exceed $500 per person.
What About Damage To My Car?
The No-Fault Law does not provide insurance for damage to your own car. If you want such protection, you must purchase comprehensive and collision insurance which pays for damage to your car. You are still able to collect from motorists who are at fault and do damage to your car, as property damage does not change under this act.
How NO-FAULT Works
Your insurance company pays you, up to the no-fault policy limits, for your injury loss resulting from an auto accident regardless of whether you were to blame or not.
Who Must Have This Insurance?
If you own and drive an auto, bus or truck in Utah, whether private, public passenger or commercial vehicle, you must have the insurance required by this law. To obtain your Utah license plates and the required safety inspections, you must certify that you have No-Fault Insurance. Motorcycles are excluded.
The new Utah law provides that any person who presents or uses an insurance identification card as evidence of insurance when, in fact, there is no insurance in force, is subject to conviction of a misdemeanor and, in addition, to a fine and/or imprisonment; shall have his operator's or chauffeur's license and vehicle registration revoked.
What You Must Do
If you don't have an automobile insurance policy, you must buy one. If you have a policy, your company will automatically change it to meet the requirements of the new law.
What Kind of Protection is Provided?
Two coverages are provided under your new policy: Motor Vehicle Liability Insurance and First-party, No-Fault (personal injury) Insurance.
Liability
Policies must include liability coverage of at least $15,000 per accident for injuries to one person and $30,000 per accident for injuries to all persons. (This coverage applies when your car injures or kills pedestrians, persons riding in other cars or as guests in your car.) It must also provide for $5,000 per accident for damage you do to another person's property. A combination policy which has an overall limit of $25,000 for bodily injuries and property damage is also acceptable.
No-Fault Benefits
This coverage pertains to expenses resulting from injuries you receive in an auto accident:
1.	Your insurance company will pay you up to $2,000 per accident for necessary medical, surgical, X-ray, dental and rehabilitation expenses.
2.	If you are unable to work, your insurance company will pay you 85 percent of your wages (up to a maximum of $150 per week) for 52 weeks. Payments for loss of income are subject to a three-day waiting period
after the accident. If the loss of income continues beyond two weeks, payment to you is retroactive to the first day.
3.	If you cannot perform essential services for your family (such as those of a housewife, etc.), your insurance company will pay you $12 per day for 365 days (or for as many days as you cannot perform these essential services). This benefit is also subject to a three-day waiting period, which does not apply if loss of essential services exceeds two weeks.
4.	If you should die of injuries received in an auto accident, the insurance company pays your survivors up to $1,000 for funeral expenses and burial costs. It will also pay a lump sum of $2,000 to heirs.
The No-Fault benefits listed above are minimums. Most companies offer additional protection.
Who Gets Paid?
Your insurance policy covers you or any of your relatives residing in your home. It also covers any other passenger in your car, any person driving your car with your permission, or any pedestrian injured in an accident involving your car.