UT

Utah Insurance Regulations

Consumer rights and insurance laws in Utah

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 Insurance Regulations in Utah

  • 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

Filing an Insurance Complaint in Utah

If you believe your insurance company has acted unfairly or violated Utah insurance laws, you can file a complaint with the Utah Insurance Department. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Utah Insurance Department typically responds to complaints within 30 days.

Utah Insurance Department

Insurance Commissioner: Jonathan T. Pike

Phone: (801) 538-3800

Website: https://insurance.utah.gov

File a Complaint: Consumer Complaint Portal

Insurance Claim Guides for Utah

Browse our detailed insurance claim guides tailored specifically to Utah laws and regulations.

Auto Insurance Claims in UtahHome Insurance Claims in UtahHealth Insurance Appeals in UtahInsurance Denial Letter Templates in UtahDemand Letter Guide in UtahInsurance Settlement Calculator Guide in UtahDiminished Value Claims in UtahTotal Loss Dispute Guide in UtahBad Faith Insurance Claims in UtahUnderinsured Motorist Claims in UtahUninsured Motorist Claims in UtahRental Car Insurance Coverage in UtahGAP Insurance Claims in UtahInsurance Subrogation Explained in UtahPIP (Personal Injury Protection) Guide in UtahBodily Injury Claims in UtahProperty Damage Claims in UtahLiability Claim Process in UtahComprehensive Insurance Claims in UtahCollision Insurance Claims in UtahFlood Insurance Claims in UtahFire Insurance Claims in UtahTheft Insurance Claims in UtahVandalism Insurance Claims in UtahAuto Glass Insurance Claims in UtahHail Damage Insurance Claims in UtahWind Damage Insurance Claims in UtahWater Damage Insurance Claims in UtahMold Insurance Claims in UtahRoof Damage Insurance Claims in UtahFoundation Damage Claims in UtahSinkhole Insurance Claims in UtahEarthquake Insurance Guide in UtahHurricane Insurance Claims in UtahTornado Damage Insurance Claims in UtahLightning Damage Insurance Claims in UtahTree Damage Insurance Claims in UtahFence Damage Insurance Claims in UtahAppliance Breakdown Claims in UtahIdentity Theft Insurance Claims in UtahCyber Insurance Claims in UtahPet Insurance Claims in UtahTravel Insurance Claims in UtahLife Insurance Disputes in UtahDisability Insurance Claims in UtahWorkers' Compensation Claims in UtahLong-Term Care Insurance Claims in UtahDental Insurance Appeals in UtahVision Insurance Claims in UtahPrescription Drug Appeals in UtahAccident Scene Documentation in UtahInsurance Adjuster Tactics in UtahDiminished Value Calculator Guide in UtahTotal Loss Vehicle Valuation in UtahPain and Suffering Calculation in UtahMedical Bills in Auto Claims in UtahLost Wages Insurance Claims in UtahFiling a Bad Faith Insurance Lawsuit in UtahWhen to Hire a Car Accident Lawyer in UtahInsurance Claim Timeline Guide in UtahIndependent Vehicle Appraisal Guide in UtahAppraisal Clause in Auto Insurance in UtahDiminished Value by State in UtahTotal Loss Threshold by State in UtahRental Car After an Accident in UtahYour Rights During Car Repairs in UtahOEM Parts in Insurance Claims in UtahInsurance Negotiation Tactics in UtahDemand Package for Auto Claims in UtahCommon Insurance Claim Denial Reasons in UtahStatute of Limitations for Auto Claims in UtahFiling Claims in No-Fault States in UtahAt-Fault Accident Claims in UtahComparative Negligence in Claims in UtahUninsured Motorist Property Damage in UtahHit and Run Insurance Claims in UtahParking Lot Accident Claims in UtahRideshare Accident Insurance Claims in UtahCommercial Vehicle Accident Claims in UtahDeer Collision Insurance Claims in UtahFlood Car Damage Claims in UtahCatalytic Converter Theft Claims in UtahCar Break-In Insurance Claims in UtahTire Blowout Accident Claims in UtahPothole Damage Insurance Claims in UtahHail Damage Car Claims in UtahHow to Review Your Auto Insurance Policy in UtahAuto Insurance Coverage Gaps in UtahMulti-Vehicle Accident Claims in UtahDisputing Fault Determination in UtahFiling an Insurance Commissioner Complaint in UtahNegotiating Diminished Value Claims in UtahFighting a Total Loss Declaration in UtahBodily Injury Settlement Guide in UtahInsurance Fraud Prevention Guide in UtahSubstandard Auto Repair Claims in UtahTotal Loss Buy-Back Process in UtahInsurance Claims After a DUI in UtahCommercial Auto Insurance Claims in UtahStorage Unit Insurance Claims in Utah

Other State Insurance Regulations

AL — AlabamaAK — AlaskaAZ — ArizonaAR — ArkansasCA — CaliforniaCO — ColoradoCT — ConnecticutDE — DelawareDC — District of ColumbiaFL — FloridaGA — GeorgiaHI — HawaiiID — IdahoIL — IllinoisIN — IndianaIA — IowaKS — KansasKY — KentuckyLA — LouisianaME — MaineMD — MarylandMA — MassachusettsMI — MichiganMN — MinnesotaMS — MississippiMO — MissouriMT — MontanaNE — NebraskaNV — NevadaNH — New HampshireNJ — New JerseyNM — New MexicoNY — New YorkNC — North CarolinaND — North DakotaOH — OhioOK — OklahomaOR — OregonPA — PennsylvaniaRI — Rhode IslandSC — South CarolinaSD — South DakotaTN — TennesseeTX — TexasVT — VermontVA — VirginiaWA — WashingtonWV — West VirginiaWI — WisconsinWY — Wyoming

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