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Jerry Data & Research
Is Utah an at-fault state?
We just moved to Utah from Arizona and we’re in the process of switching over our car insurance. I noticed that we’re required to have personal injury protection (PIP) coverage, though. Is Utah an at-fault state?
Shannon Fitzgerald · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
We wish you the best of luck as you transition from your
Arizona car insurance
plan to a Utah car insurance
plan. As you might have guessed, Utah is NOT an at-fault state. Essentially, this means drivers are responsible for their own medical treatment after an accident, regardless of who’s at fault. That’s why
Utah car insurance laws
require you to carry a $3,000 minimum of personal injury protection (PIP)
coverage—which ensures that you’re not left with excessive medical bills. In Utah, you can only collect liability compensation for personal injuries under very limited circumstances, such as injuries resulting in permanent disability or dismemberment. That said, Utah functions off of a modified comparative negligence system when it comes to
property damage liability
. Under this system, a driver can only collect liability damages if they are deemed less than 50% at fault for a collision, minus any percentage they are deemed at fault.
No-fault states often have higher car insurance premiums than at-fault states because of the added costs of their PIP insurance requirements. But with help from
Jerry
, you can feel confident that you’re not overpaying for your Utah car insurance policy. A
trusted insurance broker app
, Jerry instantly tracks down the lowest rates available to you from over 55 leading insurers across the country. Our expert brokers are just a text or call away to answer any questions about your new state’s insurance requirements. Once you decide on a plan, they can even help make the calls and handle the paperwork to get you switched over seamlessly. The average Jerry user saves over $800 a year on car insurance, so it’s definitely worth the free look as you settle in as a new Utah driver!
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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