Utah requires its drivers to maintain the following coverages at these minimum limits:
- $25,000 bodily injury liability coverage per person
- $65,000 bodily injury liability coverage per incident
- $15,000 for property damage liability coverage per incident
- $3,000 personal injury protection (PIP) coverage per person
Liability coverage can help pay for others' medical and repair bills if you're found at fault in a car accident. PIP, on the other hand, can help cover your own medical expenses (and more) after an accident, regardless of fault.
You'll typically see the minimum liability limits expressed as 25/65/15.
How fault works after an accident
Utah is a no-fault state. This means that your own policy's personal injury protection (PIP) can help pay for certain medical-related expenses after a car accident up to a certain limit. An at-fault driver can still be held liable for medical expenses, which is why bodily injury liability coverage is required.
You can customize your PIP coverage (to include lost wage protection, for example) when you buy your policy.
One quick note: no-fault insurance doesn't apply to property damage. The at-fault driver's property damage liability coverage can help pay for others' repairs.
How claims settlements are determined
Utah uses a comparative negligence law. This means that more than one driver can be found at fault, and you can only sue for damages if you're found to be less than 50 percent at fault. If you're found to be 10 percent at fault, the at-fault driver's insurer may offer you a claims settlement that pays up to 90 percent of your post-accident expenses.