Leif Olson, Car Insurance Writer
An at-fault accident in Utah is a car accident caused by a negligent or careless driver. Even though Utah is a no-fault state, fault is still determined for property damage (while personal injury claims are filed with each driver’s own insurance company, regardless of who is responsible).
Every no-fault state has different minimum coverage requirements. In Utah, you are legally required to have at least $15,000 of personal injury protection ($1,500 per person funeral expenses, $3,000 death benefit, $250 per week or 85% of lost income (whichever is less), $20 per day for services) for your own injuries, as well as $15,000 in property damage insurance.
How Utah Determines Negligence
States assign fault based on slightly different definitions of negligence. Utah uses modified comparative negligence, meaning that drivers do not recoup accident-related costs if they are more than 50% at fault for an accident.
For example, if you are 52% responsible for an accident, you would not receive any payment because you would be over the 50% threshold.
To learn more, check out WalletHub’s guide to at-fault accidents.
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