Is Utah a no-fault state?

Yes. Your own insurer pays personal injury protection benefits regardless of fault, and you may not sue for general damages unless you meet the threshold in Utah Code 31A-22-309.

When can I sue for pain and suffering in Utah?

If you sustained death, dismemberment, a permanent disability or permanent impairment based on objective findings, a permanent disfigurement, a bone fracture, or medical expenses over $3,000 (Utah Code 31A-22-309(1)(a)).

How much does Utah PIP pay?

At least $3,000 of medical expenses, the lesser of $250 a week or 85 percent of lost income for up to 52 weeks, up to $20 a day for household services for 365 days, $1,500 for funeral expenses and a $3,000 death benefit (Utah Code 31A-22-307).

Does the threshold apply to an uninsured motorist claim?

No. The limit on general damages does not apply to a person making an uninsured motorist claim (Utah Code 31A-22-309(1)(b)).

How long do I have to sue?

Four years for relief not otherwise provided for by law (Utah Code 78B-2-307). Your fault does not alone bar recovery, but you may recover only from defendants whose fault exceeds yours (Utah Code 78B-5-818).

Utah No-Fault / PIP Threshold Calculator

Utah pays at least $3,000 of medical expenses plus income loss and household services through your own PIP coverage, and lets you sue the at-fault driver for general damages only if your medical expenses exceed $3,000 or you have one of six listed injuries. Enter your losses and injury to see what PIP pays and whether you may sue.

Cited to Utah Code 31A-22-307 and 31A-22-309 FigureMyTax Editorial Team Free · no sign-up

By the FigureMyTax Editorial Team · How we calculate

Estimate your PIP benefits and threshold

Enter your losses, services, injury and fault.

Reasonable value of accident-related medical expenses

Medical benefit limit on your policy (the minimum is $3,000)

Gross income you lost per week because of the injury

Weeks you were unable to work

Total paid for household services you could not do

Number of days those services were needed

Does your injury meet one of the injury tests (besides the $3,000 medical test)?

General damages (pain and suffering) you would claim if you may sue (your own figure)

Your own percentage of fault, if any (0 if none; 50 or more bars a claim against one defendant)

Estimated result

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Estimate pain and suffering →

Utah pays at least $3,000 of medical expenses and weekly income through your own insurer and lets you sue for general damages only past a $3,000 test or six injuries

Utah's no-fault rules are in Utah Code 31A-22-307 (the benefits) and 31A-22-309 (the threshold, offsets and payment rules). Fault is in 78B-5-818 and the deadline in 78B-2-307.

Read what Utah PIP covers, how to clear the tort threshold, and the offsets, which policy pays first and the deadlines. If the other driver has little insurance, see Utah UM/UIM stacking and Utah medical liens.

Injured in Utah?

A local personal injury attorney can review your claim — many offer a free consultation.

Talk to an Utah attorney

This is an estimate for general guidance only and is not legal advice. Figures are based on the cited Utah statutes. Confirm how these rules apply to your specific case with a licensed Utah attorney.

Utah No-Fault / PIP Threshold Calculator

Estimate your PIP benefits and threshold

Utah pays at least $3,000 of medical expenses and weekly income through your own insurer and lets you sue for general damages only past a $3,000 test or six injuries

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