Utah is one of 12 no-fault auto insurance states in the U.S. In a no-fault state, filing an insurance claim works a little differently. Instead of the other driver’s insurance company paying for your damages, your own provider will cover them.
What does it mean that Utah is a no-fault state?
Utah is a “No-Fault” state. This means that, no matter whose fault an accident may have been, injured parties seek payment for the first $3,000 of medical expenses from their own insurance carrier. This is dictated by a statute sometimes referred to as the “PIP Statute” which stands for “Personal Injury Protection”.
Do all 50 states have no-fault insurance?
In the United States, there are 12 no-fault states, including Florida, Michigan, New Jersey, New York, Pennsylvania, Hawaii, Kentucky, Massachusetts, Minnesota, North Dakota and Utah. Although a US territory, Puerto Rico also has no-fault laws, so we included its requirements below.
Is Utah a PIP state?
Utah requires car owners to carry personal injury protection (PIP) insurance, which pays for medical costs, lost income and other related expenses if you’re injured in an accident. … PIP insurance isn’t required in Utah for motorcycles, trailers and semi trailers.
What type of car insurance is required by law in Utah?
The following minimum car insurance coverages are required in Utah: Bodily injury liability: $25,000 per person and $65,000 per accident. Property damage liability: $15,000 per accident. Personal injury protection: $3,000 per accident*
Is Utah a tort state?
Drivers in no-fault states such as Utah can’t sue other motorists as easily as drivers in so-called tort states, where fault matters, either. Specifically, Utah has modified comparative negligence laws. If you are 50% or more at fault, you can’t collect any damages from the other driver.
Is Utah a fault state for divorce?
You may ask: “Is Utah a no-fault state?”, and the answer is: “Yes, it is!”. All courts throughout the state enable spouses to start a no-fault divorce too, meaning that they can end their relationships without the need to prove anybody’s fault in the breakdown of their marriage.
Which states have an option in addition to being no-fault states?
In a choice no-fault state, drivers have the option to choose between no-fault insurance or the more traditional tort liability insurance plan. Currently, three states are considered choice no-fault states: Kentucky, New Jersey, and Pennsylvania.
Which states are tort states?
Even though Arkansas, Delaware, Maryland, Oregon and Texas are tort liability states—that is, all five have a fault-based system that allows an injured party to pursue compensation from any parties who were at fault for the accident—they still require PIP coverage.
Is Hawaii a no-fault state?
Hawaii is a considered a “no-fault state”, which means your motor vehicle insurance company will pay the bills for your injuries and your passengers’ injuries up to the personal injury protection benefits (“PIP”) limit.