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Utah · State Law Library Hub
Utah Auto Insurance & Crash Law Library
A public legal education and research library for Utah automobile insurance, no-fault PIP, UM/UIM, comparative fault, insurer duties, damages, settlement and controlling authority.
Utah State Law Library
Numbered guides by legal category
Start with Guide 01 if you are new to the library. Browse all 22 issue guides by legal category and open the Utah guide that answers the next coverage, PIP, liability, damages or settlement question.
Getting Started in Utah
State-specific working guide: how to use the library, build the claim map, and decide what to do first.
Coverage & Insured Status
Required insurance, every policy, insured status, UM/UIM, stacking and policy interpretation.
Insurer Duties & Claims Conduct
Disclosure, claims handling, agents, defense and failure to settle.
Vehicle & Use Questions
Borrowed and rental vehicles, work use, rideshare and public-entity vehicles.
Liability & Proof
Comparative fault, crash investigation and evidence preservation.
Damages, PIP & Resolution
Damages, tort threshold, wrongful death, PIP, reimbursement and settlement.
Case Authority
Utah statutes and appellate authority organized by issue.
Guide 01 · Utah Citizen’s Guide
How to use this library before making a final claim decision
Start with the people, vehicles, policies and records involved. Keep PIP benefits, the claim against a responsible party, and UM/UIM questions distinct. Read the Utah topic that answers the next question rather than assuming every guide applies to every crash.
Identify drivers, owners, injured people, possible employers and other responsible parties. Start with Guide 02 and Guide 21 for the required-insurance and PIP questions.
Use Guide 03 and Guide 05. Gather declarations, endorsements, policy dates, and UM/UIM acknowledgment, selection or rejection records. Use Guide 06 before assuming how multiple policies combine.
Use Guide 18 for reports, photographs, witnesses, video, vehicle data and medical chronology. Keep a separate deadline calendar and consult Guide 16 promptly when government involvement is possible.
Read Guide 19 for damages and PIP threshold questions, Guide 22 for settlement, and the case-authority library. Check the actual policy and official sources before deciding what a release will end.
Utah Current-Law Snapshot
Issues to identify early
30 / 65 / 25 current minimums
For ordinary policies issued or renewed on or after January 1, 2025, Utah’s minimum liability limits are $30,000 / $65,000 / $25,000.
No-fault PIP
Utah requires personal injury protection as part of its no-fault motor-vehicle system.
PIP tort threshold
General bodily-injury damages ordinarily require a statutory serious-injury category or qualifying medical-expense threshold under Utah law.
UM/UIM election mechanics
Utah uses statutory acknowledgment forms and election rules for rejecting or selecting lower UM/UIM limits in qualifying circumstances.
Comparative fault
Utah’s allocation system can include defendants, immune persons and qualifying nonparties; damages are reduced according to allocated fault.
Utah Insurance Department
The Department regulates insurers, policies, complaints and market conduct.
Primary Research
Official Utah research sources
VictimsGuide is the navigation layer. Current primary authority, the actual insurance contract and the verified factual record control.
Utah Code
Open statutes →Utah Insurance Department
Open regulator →Utah DMV
Open DMV →Utah State Courts
Open courts →Utah Highway Patrol
Open Highway Patrol →Utah Administrative Code
Open rules →The Insurance Department’s Filing an Auto Claim guidance provides a starting point for the liability limits and the relationship between PIP and a claim against another driver. Read the actual policy and applicable statutes for the particular claim.
How this library stays current
Build the complete Utah coverage and claim map
Identify mandatory PIP and the tort threshold, every liability and first-party policy, UM/UIM elections, fault allocations, vehicle-use and public-entity issues, evidence, damages, insurer conduct, reimbursement interests and settlement consequences before closing the claim.
Start with the PIP questions, then identify every remaining coverage and liability issue.
Find the policies, identify the insureds and responsible parties, preserve the evidence, and review damages, reimbursement and release consequences before treating a claim as complete.