Insurance Claim Rights in Utah
Utah is a no-fault state with a relatively low PIP requirement of $3,000, which means the tort threshold is also low — making it easier to step outside the no-fault system and sue. Utah has a 4-year statute of limitations and a unique per-accident bodily injury limit of $65,000 (rather than the more common $50,000 found in many states).
25/65/15
Min. Liability
4 yrs
PI Deadline
4 yrs
PD Deadline
Yes
Diminished Value
Fault System
How Utah's No-Fault (PIP) System Works
Utah is a no-fault state. After an accident, you first turn to your own Personal Injury Protection (PIP) coverage for medical expenses and lost wages, regardless of who caused the accident. To step outside the no-fault system and sue the at-fault driver for pain and suffering, your injuries must meet specific thresholds defined by state law.
Deadlines
Statute of Limitations in Utah
Personal Injury
4 Years
You have 4 years from the date of the accident to file a personal injury lawsuit in Utah. Missing this deadline permanently bars your right to seek compensation for medical bills, lost wages, and pain and suffering.
Property Damage
4 Years
For property damage claims (vehicle repairs, total loss, personal property), Utah allows 4 years to file a lawsuit. This includes diminished value claims if applicable. Report damage to your insurer as soon as possible: pip claims should be filed promptly; 4-year lawsuit deadline.
Coverage Requirements
Minimum Auto Insurance in Utah
Utah requires all drivers to carry at least 25/65/15 in liability coverage. These numbers represent the minimum bodily injury per person / bodily injury per accident / property damage limits in thousands of dollars. While these are the legal minimums, higher coverage is strongly recommended.
Bodily Injury / Person
$25,000
Maximum per injured person
Bodily Injury / Accident
$65,000
Maximum per accident total
Property Damage
$15,000
Maximum for property damage
Diminished Value
Diminished Value Claims in Utah
Utah Allows Diminished Value Claims
After an accident in Utah, your vehicle may lose market value even after high-quality repairs — this is called "diminished value." Utah allows you to file a diminished value claim against the at-fault driver's insurance to recover the difference between your vehicle's pre-accident and post-repair market value. The amount recoverable depends on the vehicle's age, mileage, damage severity, and repair quality.
Calculate your diminished valueKey Laws
Important Insurance Laws in Utah
Utah is a no-fault state requiring Personal Injury Protection (PIP) of at least $3,000 (Utah Code § 31A-22-307).
To sue outside the no-fault system, medical expenses must exceed $3,000 or injuries must involve bone fracture, permanent disability, permanent disfigurement, or dismemberment.
Utah follows a modified comparative fault rule with a 49% bar for tort claims (Utah Code § 78B-5-818).
Resources
Utah Department of Insurance
If you have a complaint about your insurance company or need help with a claim dispute in Utah, contact the state Department of Insurance. They regulate insurance companies operating in Utah and can assist with claim disputes, bad faith complaints, and coverage questions.
FAQ
Frequently Asked Questions About Utah Insurance Claims
How does Utah's no-fault system work?
Utah requires PIP coverage of at least $3,000 that pays for medical expenses regardless of fault. To step outside the no-fault system and sue the at-fault driver, your medical expenses must exceed $3,000 or you must have qualifying serious injuries. The low PIP threshold means many claims can escalate to tort actions.
What is the tort threshold in Utah?
Utah's tort threshold is relatively low at $3,000 in medical expenses. You can also sue if you have bone fractures, permanent disability, permanent disfigurement, or dismemberment. This low threshold makes it easier than in many no-fault states to pursue a liability claim.
What are Utah's minimum insurance requirements?
Utah requires 25/65/15 minimum liability coverage: $25,000 per person for bodily injury, $65,000 per accident for bodily injury (higher than most states), and $15,000 for property damage. PIP coverage of at least $3,000 is also required.
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