STATE LAW – UTAH LIBRARY – GUIDE 13
Utah Borrowed, Non-Owned & Rental Vehicles
Coverage can change when the involved vehicle is borrowed, non-owned, newly acquired or rented. Owner policies, driver policies and rental protections may overlap or apply in different layers.
- Identify vehicle ownership and permission.
- Obtain owner, driver and rental agreements and policies.
- Review non-owned-auto, temporary-substitute and newly-acquired-auto provisions.
- Determine primary and excess relationships among applicable policies.
Borrowed and rental vehicles can create overlapping coverage
Analyze the vehicle owner’s policy, the driver’s own policy, permissive-use and non-owned-auto provisions, and any employer or commercial coverage. Liability insured status does not automatically answer PIP, UM/UIM, collision, or other first-party coverage questions.
Rental-owner liability is limited by federal law
The federal Graves Amendment generally bars vicarious liability against a rental owner based solely on ownership, while preserving claims based on the rental company’s own negligence or criminal wrongdoing.
PUBLIC-INTEREST LEGAL EDUCATION
VictimsGuide does not provide legal services or create an attorney-client relationship. Insurance requirements, deadlines, remedies and controlling authority can change. Verify current primary authority, policy language and the law applicable to the particular event before legal reliance.
Official Sources
Verify current Utah law at the source
The reviewed Utah guide content above is preserved. Use current statutes, insurance regulation, controlling cases and the operative policy before legal reliance.
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