Utah's minimum liability limits are 25/65/15. You have the legal minimum coverage and you cause an accident that causes the following damages: Passenger 1 - $30,000 in medical damages Passenger 2 - $40,000 in medical damages Vehicle 1 (Porsche) - $38,000 in physical damage How much damage is uncovered by your policy? $0 in medical damage, $38,000 in property damage $5,000 in medical damage, $23,000 in property damage $20,000 in medical damage. $23,000 in property damage $5,000 in medical damage, $38,000 in property damage $0 in medical damage, $0 in property damage. You're covered because you had insurance