UTAH GUIDE 19
Utah Crash Damages, PIP Tort Threshold & Property Loss
Utah’s no-fault/PIP system limits when a person who has or is required to have PIP may recover general noneconomic damages from an automobile accident. Under Utah Code § 31A-22-309, the threshold is satisfied when the injured person sustains death, dismemberment, permanent disability or permanent impairment based on objective findings, permanent disfigurement, a bone fracture, or medical expenses exceeding $3,000. The statutory threshold does not apply to an uninsured-motorist claim.
- Identify benefits paid or payable under PIP coverage.
- Determine whether at least one statutory tort-threshold category is satisfied before claiming general noneconomic damages against a tortfeasor.
- Document past and future medical expenses, wage loss and other economic damages separately from the noneconomic threshold.
- Document objective findings, fractures, disfigurement, permanent impairment and other threshold evidence where applicable.
- Address vehicle repair, total loss, loss of use and other property damage separately from bodily-injury PIP issues.
Primary Utah Sources
- Utah Code § 31A-22-309 — limitations, exclusions and conditions to personal injury protection.
- Utah Code § 31A-22-307 — PIP coverages and benefits.
Current-law review: September 17, 2026. Section 31A-22-309 is effective May 6, 2026. Confirm the policy, date of loss and current statutory text before publication or reliance.
VictimsGuide 