Diminished Value Claims in Utah
Complete guide to diminished value claims in Utah (UT). Utah is a no-fault (pip) state with 25/65/15 minimum liability limits.
Fault System
No-Fault (PIP)
Min Liability
25/65/15
PI Statute
4 years
Diminished Value
Allowed
Utah Insurance Overview
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).
Key Utah Laws
- 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).
How to File Diminished Value Claims in Utah
Everything you need to know about filing a diminished value claim after a car accident, including how to calculate diminished value and state-specific rules.
In Utah, it's critical to understand the state's no-fault (pip) system and the 4-year personal injury statute of limitations when pursuing diminished value claims. Missing these deadlines can result in a complete loss of your right to compensation.
- Document everything immediately — Gather all evidence, photos, police reports, and medical records relevant to your diminished value claims in Utah.
- Report to your insurer promptly — PIP claims should be filed promptly; 4-year lawsuit deadline. Delays can jeopardize your claim under UT law.
- Know your Utah rights — Under Utah's no-fault (pip) system, your recovery may be affected by your percentage of fault.
- Contact the Utah Insurance Department — If your insurer acts unfairly, file a complaint at https://insurance.utah.gov or call (801) 538-3800.
- Use InsurifyAI — Get AI-generated demand letters, settlement estimates, and claim coaching tailored to Utah law.
Utah Insurance FAQ
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.
Utah Insurance Department
Phone: (801) 538-3800
Website: https://insurance.utah.gov
More Insurance Guides for Utah
Diminished Value Claims in Other States
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