Is Utah a no-fault state?
Yes. Utah is a no-fault state. Your own Personal Injury Protection pays the first $3,000 of medical bills for people in your car, and you can sue the at-fault driver for pain and suffering only after meeting a legal threshold.
Last checked November 9, 2026 · Official sources (6)
How does Utah car insurance work?
“This is a mandatory no fault coverage for automobile insurance providing benefits including, but not limited to, medical expenses, loss of income resulting from an automobile accident, and essential services.”
Utah Insurance Department
What is Utah's minimum car insurance?
| Coverage | What Utah requires |
|---|---|
| Injury to one person | $30,000 |
| Injuries in one crash | $65,000 |
| Damage to property | $25,000 |
| Personal injury protection (PIP) | Each injured person's first $3,000 of medical expenses is paid by the PIP on the car they were in, before a claim against the at-fault driver's insurer. |
| Uninsured motorist | Uninsured motorist coverage is included at your liability limits unless a named insured rejects it or picks less by signing a form. |
When can you sue in Utah?
You can sue for general damages (like pain and suffering) only with death, dismemberment, permanent disability or impairment, permanent disfigurement, a broken bone, or over $3,000 in medical expenses.
Other no-fault states
Questions
How much insurance does Utah require?
At least $30,000 per person and $65,000 per crash for injuries, and $25,000 for property damage (30/65/25).
What if you were partly at fault in Utah?
You can recover only if the other side's fault is greater than yours, and your money is reduced by your share of fault.
When can you sue after a crash in Utah?
You can sue for pain and suffering only if the injury involves death, dismemberment, permanent disability or impairment, permanent disfigurement, a broken bone, or more than $3,000 in medical expenses.
Hurt in a crash in Utah? Find out if you are owed money.
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See if I’m owed moneySources (6)
- Utah Insurance Department, checked 2026-11-09. “This is a mandatory no fault coverage for automobile insurance providing benefits including, but not limited to, medical expenses, loss of income resulting from an automobile accident, and essential services.”
- Utah Insurance Department, checked 2026-11-09. “$30,000 per person for bodily injury liability $65,000 for two or more persons for bodily injury liability $25,000 for property damage liability Typically this is shown on your policy as "30/65/25".”
- Utah Insurance Department, checked 2026-11-09. “For each person injured, the first $3,000 in medical expenses will be covered by your policy under Personal Injury Protection before you can file a claim with the responsible insurer.”
- Utah State Legislature, Utah Code 31A-22-305, checked 2026-11-09. “unless a named insured rejects or purchases coverage in a lesser amount by signing an acknowledgment form that: (i) is filed with the department; (ii) is provided by the insurer; (iii) waives the higher coverage;”
- Utah State Legislature, Utah Code 78B-5-818, checked 2026-11-09. “A person seeking recovery may recover from any defendant or group of defendants whose fault, combined with the fault of persons immune from suit and nonparties to whom fault is allocated, exceeds the fault of the person seeking recovery”
- Utah State Legislature, Utah Code 31A-22-309, checked 2026-11-09. “except where the person sustains one or more of the following: (i) death; (ii) dismemberment; (iii) permanent disability or permanent impairment based upon objective findings; (iv) permanent disfigurement; (v) a bone fracture; or (vi) medical expenses to a person in excess of $3,000.”