Does Utah allow UM/UIM stacking?

Mostly no. The limits of underinsured coverage for two or more vehicles may not be added together or stacked to find the coverage available for one accident, with exceptions: a pedestrian may recover under one other policy, a person in a vehicle not owned by the household may recover under one other policy, and certain dependent minors under up to two. Recovery cannot exceed full damages (Utah Code 31A-22-305.3(4)).

Does the other driver's payment reduce my UIM?

No. UIM is secondary to the other driver's liability coverage and may not be set off against it; it is added to it to determine the coverage available to you (Utah Code 31A-22-305.3(3)(k)).

Are UM and UIM required in Utah?

Limits default to the lesser of your liability limits or the insurer's maximum unless a named insured signs a filed acknowledgment for less, and UM can be rejected in writing on the insurer's form. Neither can be sold below the statutory minimums (Utah Code 31A-22-305 and 31A-22-305.3).

What if I was partly at fault?

Your fault alone does not bar recovery, but you may recover only from a defendant whose fault exceeds yours, so with one other driver, 50 percent or more bars the claim (Utah Code 78B-5-818).

How long do I have to sue?

Four years for most injury claims (Utah Code 78B-2-307(4)). While a person is under 18 the limitation period does not run (78B-2-108).

Utah UM/UIM Stacking Calculator

Utah adds your underinsured coverage on top of the at-fault driver's liability coverage without set-off, bars adding UIM limits across vehicles except in listed cases, and applies a no-fault threshold to general damages in some claims. Enter your limits, damages and the other driver's payment to see what is available.

Cited to Utah Code 31A-22-305, 31A-22-305.3 and 31A-22-309 FigureMyTax Editorial Team Free · no sign-up

By the FigureMyTax Editorial Team · How we calculate

Estimate your UM/UIM benefits

Enter your policy limits, your damages and what the other driver's coverage paid.

UM/UIM limit per person on the policy covering the vehicle you were in

UM/UIM limit per person on one other policy under which you are also a covered person (enter 0 if none)

Do you have UM/UIM coverage?

Can the other policy also apply?

Your total damages (medical bills, lost income, pain and suffering)

Part of those damages that is general damages such as pain and suffering

Does your injury meet the no-fault threshold (death, dismemberment, permanent impairment, disfigurement, a fracture, or medical expenses over $3,000)?

Who caused the accident?

Amount the at-fault driver's liability insurer actually paid you (underinsured claims only)

Your own percentage of fault, if any (0 if none; 50 or more bars the claim)

Estimated result

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See what you keep after liens →

Utah adds UIM on top of the other driver's coverage, limits stacking across vehicles, and imposes a no-fault threshold on general damages

Utah's rules are in Utah Code 31A-22-305.3 (UIM, no set-off and the stacking limits), 31A-22-305 (UM) and 31A-22-309 (the no-fault threshold). Fault is in 78B-5-818 and the deadline in 78B-2-307.

Read how stacked and single-limit coverage differ in Utah, check what section 31A-22-305.3 says, or see how Utah UM and UIM work.

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 UM/UIM Stacking Calculator

Estimate your UM/UIM benefits

Utah adds UIM on top of the other driver's coverage, limits stacking across vehicles, and imposes a no-fault threshold on general damages

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