Core Utah Statutes

• Utah Code Title 31A, Chapter 22 — motor-vehicle insurance provisions.
• Utah Code §31A-22-305.3 — underinsured motorist coverage.
• Utah Code §78B-5-818 — comparative fault.
• Utah Code §§31A-22-305 and 31A-22-307 — uninsured motorist and PIP/no-fault provisions.

Leading Utah Decisions

• State Farm Mutual Automobile Insurance Co. v. Green (Utah 2003) — anti-stacking provisions and multiple UM/UIM coverages.
• U.S. Fidelity & Guaranty Co. v. Sandt (Utah 1993) — UIM coverage as add-on protection rather than an offset against tortfeasor liability insurance.
• Nielsen v. O’Reilly (Utah 1992) — enforcement of clear anti-stacking policy language under then-applicable law.

Utah UM/UIM statutes have been amended repeatedly. Always match the policy and date of loss to the correct statutory version and review later appellate treatment.

Publication review note — September 17, 2026. Confirm subsequent history, statutory amendments, effective dates and current policy language before reliance.