Utah Auto Insurance & Crash Law Case Authority Library

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

• 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.

Core Utah insurance and crash authorities

• Utah Code §§ 31A-22-302 through 31A-22-307: liability, UM/UIM, PIP, exclusions, and current minimum limits.
• Utah Code § 31A-26-303: unfair claim-settlement practices and the statute’s no-private-cause-of-action provision.
• Utah Code §§ 63G-7-401 through 63G-7-403: governmental notice and filing requirements.
• Utah Code § 78B-5-818: comparative fault.
• Gardner v. Norman, 2025 UT 47: current measure of past medical-expense damages involving negotiated health-insurance charges.
• Spratley v. State Farm and related authority: insurer-paid defense conflicts and the insured’s interests in liability litigation.

This authority library is curated rather than exhaustive. Current statutes, policy language, and the latest controlling Utah appellate authority remain necessary for issue-specific reliance.