Luke Udy brings 17 years of insurance experience and runs Udy and Associates, an American Family Insurance Agency that handles home, auto, boat, ATV, umbrella, landlord, apartment, HOA, and business insurance, with access to multiple national carriers, in Utah and neighboring states.

Luke explains what actually happens when Utah drivers think they have full coverage but are really sitting on the state minimums of 30-65-30. Full coverage only means comp and collision, and liability only still leaves people repairing their own vehicle or hitting limits that don’t match real injuries or damage.

Uninsured and underinsured motorist coverage comes up constantly because people waive UM or UIM without knowing that those coverages protect them when the other driver has no insurance or almost none. Luke makes people sign off before removing it because it’s inexpensive, and it’s the only layer that shields them when the at-fault driver can’t pay.

Utah PIP is another point of confusion. Every Utah policy has at least 3,000, but raising PIP to 10,000 PIP C is only a few dollars more and pays the first medical bills even when the other driver is at fault. Luke goes into PIP exhaustion, subrogation, rental cars, and how easily people get misled when call centers tell them to open claims with the wrong company.

Boating on the weekends, pools, swing sets, home equity, kids’ friends in the car, landlord properties, and business ownership all show why minimum limits disappear fast. The theme Luke returns to is simple: people ask for the lowest, cheapest option without realizing how much protection they give up until the accident has already happened.

Connect with Luke Udy

Website: https://www.amfam.com/agents/utah/st-george/lucas-udy

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