The Beagle Blog

If someone borrows a car in Utah and causes a crash, the answer is not simply that “insurance follows the car” or that “insurance follows the driver.” Utah law generally requires an owner’s auto liability policy to cover a person who is using the insured vehicle with the owner’s express or implied permission, so the vehicle owner’s policy is often an important source of liability coverage. The driver’s own auto policy may also apply, however, and the order in which multiple p

When a serious accident causes damages that exceed the at-fault driver’s automobile liability limits, an umbrella or excess liability policy may provide another layer of insurance. That additional coverage can make the difference between a claim being constrained by a relatively small auto policy and having enough insurance available to address catastrophic medical expenses, lost earning capacity, permanent disability, or wrongful death. The existence of an umbrella policy sh