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Originally Posted by kgod999
33-34-4.
No owner of a motor vehicle required to be registered in this state or any other person, other than a self-insurer as defined in this chapter, shall operate or authorize any other person to operate the motor vehicle unless the owner has motor vehicle liability insurance equivalent to that required as evidence of security for bodily injury and property damage liability under Chapter 9 of Title 40, the 'Motor Vehicle Safety Responsibility Act.'
ok, now my research took me to title 40.
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I don't know what all the ramifications of the word "equivilent" being in there are, but I would assume that is where the need for insurance is removed from having an accident. You just need an equivilent policy for driving.