What is an at-fault accident in Utah? This question is about At-Fault Accident Basics

What is an at-fault accident in Utah?

Answer Question Report Abuse

This question is about At-Fault Accident Basics

Leif Olson, Car Insurance Writer

@leif_olson_1 • 02/08/22 This answer was first published on 02/08/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report Abuse

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.

Answer Question

How long do points stay on your license in Utah?

Points stay on your license for 3 years in Utah. After 3 years, points will fall off your driver’s license and will no longer factor into your insurance rates or count toward a license suspension.

Key Things to Know About Points on Your License in Utah

Accumulating 200 points in 3 years will result in a license suspension in Utah. Drivers might also be classified as high-risk to insure and be required to file...

read full answer

Is Utah a no-fault state?

Yes, Utah is a no-fault state. Utah being a no-fault state for car insurance means all Utah drivers are required to purchase personal injury protection (PIP) insurance to cover their own medical bills after an accident regardless of who was at fault. Additionally, no-fault laws in Utah place limitations on a driver’s right to sue after an accident. Drivers in Utah can only sue for their injuries if the injuries include permanent disability, impairment, disfigurement, dismemberment, or...

read full answer

What are the minimum liability car insurance requirements do I need in Utah?

The minimum liability car insurance requirements in Utah are $25,000 in bodily injury liability insurance per person ($65,000 per accident) and $15,000 in property damage liability insurance. These requirements can also be written as 25/65/15.

Liability insurance pays for others' medical expenses and property damage after an accident you were responsible for. In addition, drivers in Utah will need to purchase $3,000 in personal injury protection coverage to satisfy the state's minimum car insurance requirements.

Types of Car Insurance Required in Utah

read full answer

WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.

WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Ask a Question

140

Ask Question

Ask Your Question

WalletHub Transparency

We are committed to being fully transparent with our readers. Opinions expressed here are the author’s and/or WalletHub editors'. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. In addition, it is not any company’s responsibility to ensure all questions are answered.