At-Fault Accident Claims in Utah
Everything you need to know about at-fault accident claims in Utah (UT), including state-specific laws, filing deadlines, and how to contact the Utah Insurance Department.
Utah law at a glance
Last reviewed against the sources linked below.
What is the total loss threshold in Utah?
Utah defines a salvage vehicle as one whose cost to repair for safe operation exceeds its fair market value, or one an insurer or another state has declared salvage.
Source: Utah Code § 41-1a-1001
Does a Utah total-loss payment have to include sales tax and title fees?
When a first-party total loss is settled in cash, Utah's rule bases the payment on the cost of a comparable car including all applicable taxes, license fees and transfer of ownership fees.
Can you claim diminished value from the at-fault driver's insurer in Utah?
Utah's Supreme Court held that an owner suing over a damaged car can recover the reasonable repair cost plus any drop in market value that remains after repairs.
Does Utah have a law on the auto policy appraisal clause?
Utah's auto claim rule lists concluding a first-party total-loss settlement under the policy's appraisal section as one of the insurer's options when the insured cannot buy a comparable car for the amount offered.
How long do you have to sue over car damage in Utah?
Utah's general limit for injuring personal property is three years, but a claim for damage to a person's motor vehicle may be brought within four years.
Which Utah rule governs how auto insurance claims are settled?
Utah's auto claim settlement rule sets how insurers value first-party total losses, using at least two comparable cars available to consumers in the local market within the last 90 days, plus taxes and fees.
Source: Utah Admin. Code R590-190-11
General information about Utah law, not legal advice. Laws and policies change and your policy wording matters; check the cited source or ask a Utah attorney before relying on a deadline. No outcome is guaranteed.
Utah Insurance Regulation Overview
Utah Insurance Department regulates the insurance industry and provides consumer resources. As a no-fault PIP state with a 4-year statute of limitations, Utah provides moderate timelines and mandatory PIP coverage for accident victims.
Key Utah Insurance Regulations
- Modified comparative fault — barred at 50% or more fault
- 4-year statute of limitations for personal injury and property damage
- No-fault PIP state — PIP coverage required
- Mandatory auto insurance: 25/65/15 minimum liability
How to File At-Fault Accident Claims in Utah
When filing at-fault accident claims in Utah, it's important to understand the state's specific insurance regulations and consumer protections. The Utah Insurance Department oversees insurance companies operating in Utah and provides resources for consumers who need assistance with their claims.
Step-by-Step Process for Utah
- Document your claim — Gather all evidence relevant to your at-fault accident claims including photos, receipts, medical records, and any correspondence with your insurance company.
- Review your policy — Check your insurance policy for specific coverage terms, deductibles, and exclusions that apply in Utah.
- File promptly — Utah has specific deadlines for reporting insurance claims. Contact your insurer as soon as possible to initiate the claims process.
- Know your rights — Under Utah law, insurance companies must handle claims fairly and in a timely manner. If you believe your claim was wrongfully denied, you can file a complaint with the Utah Insurance Department.
- Check the numbers — Compare the insurer's offer or denial with the Utah rules above and the policy wording. InsurifyAI can review the insurer's report and help you put your response in writing; you (or your attorney) present it to the insurer.
Utah Insurance Department
Phone: (801) 538-3800
Website: https://insurance.utah.gov
File a Complaint: Consumer Complaint Portal
Commissioner: Jonathan T. Pike
More on Utah auto claims
By insurer in Utah
Insurer names are trademarks of their owners and are used only to identify the insurer a claim is with. InsurifyAI is an independent claims-help service, not affiliated with, endorsed by, or sponsored by any insurer.