Utah Car Accident Settlement Calculator
Estimate a car accident settlement under Utah law. The calculator applies this jurisdiction's own comparative fault rule and damages ceilings, and every figure below is the one our verified data holds, with the statute behind it and the date we checked it.
What Utah law does to your claim
Three things in state law open a gap between two identical injuries in two different states: how long you have to file, what happens if you were partly at fault, and whether the state puts a ceiling on what a jury can award. Here is what we hold for this one.
Utah's four years comes from Utah Code § 78B-2-307, which opens “An action may be brought within four years:” and lists, at subsection (4), “(4) for relief not otherwise provided for by law.” The one court statement read for this page on which period governs an injury claim is from the Utah Court of Appeals. Penrose v. Ross, 2003 UT App 157, was about whether an amended complaint that named a different defendant related back to the original complaint, and in setting out its premise the court wrote: “The traffic accident from which this suit arose occurred on November 21, 1996. Thus, the statute of limitations for Penrose's claim of negligence expired on November 21, 2000. See Utah Code Ann. § 78-12-25(3) (2002) ("An action may be brought within four years: . . . for relief not otherwise provided for by law.");” It cited the provision under its earlier number, § 78-12-25(3), in the words subsection (4) prints today. That was the premise of a case about something else, not the question the court decided, and no Utah Supreme Court opinion on the period was read for this page. Ask a licensed Utah attorney which period applies to your claim.
Utah Code § 78B-2-307(4)·Last reviewed 2026-09-28
Utah bars recovery if plaintiff is 50% or more at fault.
Utah Code §§ 78B-5-817 to -818·Source retrieved 2026-07-27
None on record means our verified data holds no figure of this kind for this state. It is not a finding that no limit could apply to your claim.
Utah car insurance law: minimums, PIP and uninsured motorist coverage
What Utah's provisions say about the insurance behind a car accident claim, in their own words, with the copy read named under each.
Utah: Minimum liability coverage
“(2) Subject to Subsection (3), a policy issued or renewed on or after January 1, 2025, containing motor vehicle liability coverage may not limit the insurer's liability under that coverage below the following: (a) (i) $30,000 because of liability for bodily injury to or death of one person, arising out of the use of a motor vehicle in any one accident; (ii) subject to the limit for one person in Subsection (2)(a)(i), in the amount of $65,000 because of liability for bodily injury to or death of two or more persons arising out of the use of a motor vehicle in any one accident; and (iii) in the amount of $25,000 because of liability for injury to, or destruction of, property of others arising out of the use of a motor vehicle in any one accident; or (b) $90,000 in any one accident whether arising from bodily injury to or the death of others, […]”
The provision continues past the end of this quote, and the rest is not quoted here.
A minimum is a floor on what a policy must carry. It is not a limit on what a claim is worth, and it does not tell you what the at-fault driver carries.
Subsection (2) is made subject to subsection (3), which was not read for this page.
Utah: No-fault, personal injury protection and the right to sue
“Personal injury protection coverages and benefits include: (a) up to the minimum amount required coverage of not less than $3,000 per person, the reasonable value of all expenses for necessary: (i) medical services; (ii) surgical services; (iii) X-ray services; (iv) dental services; (v) rehabilitation services, including prosthetic devices; (vi) ambulance services; (vii) hospital services; and (viii) nursing services; (b) (i) the lesser of $250 per week or 85% of any loss of gross income and loss of earning capacity per person from inability to work, for a maximum of 52 consecutive weeks after the loss, […]”
The provision continues past the end of this quote, and the rest is not quoted here.
Not established here: whether Utah limits a claim for pain and suffering against the at-fault driver. Utah Code § 31A-22-309 was not read for this page.
Utah: Uninsured and underinsured motorist coverage
“For new policies written on or after January 1, 2001, the limits of uninsured motorist coverage shall be equal to the lesser of the limits of the named insured's motor vehicle liability coverage or the maximum uninsured motorist coverage limits available by the insurer under the named insured's motor vehicle policy, unless a named insured rejects or purchases coverage in a lesser amount by signing an acknowledgment form that: (i) is filed with the department; (ii) is provided by the insurer; […]”
The provision continues past the end of this quote, and the rest is not quoted here.
“[…] the limits of underinsured motorist coverage shall be equal to the lesser of the limits of the named insured's motor vehicle liability coverage or the maximum underinsured motorist coverage limits available by the insurer under the named insured's motor vehicle policy, unless a named insured rejects or purchases coverage in a lesser amount by signing an acknowledgment form […]”
The provision begins before this quote and continues past its end, and neither part is quoted here.
Utah: Medical payments coverage
No medical payments coverage requirement was found in the provisions read for this page (Utah Code §§ 31A-22-304, 31A-22-305, 31A-22-305.3 and 31A-22-307).
The personal injury protection benefits quoted above include medical expenses.
What partial fault costs you in Utah
The same claim, fracture with surgery, several months of recovery, run through the calculator above four times, with nothing changed but the share of fault assigned to the claimant. The numbers are the engine's output, not an editorial claim about what these cases are worth.
One case, run through the calculator above four times with only the claimant's share of fault changed, under Utah law. No coverage ceiling is applied, because we would be inventing the at-fault party's policy. These shares illustrate the rule; they are not an estimate of your own fault.
Every Utah deadline we hold
A claim can be more than one kind of case, and the clock is different for each. These are the Utah periods in our verified data, with the statute behind each one. A deadline is the outside limit, never a target, and other rules can shorten it.
Utah's four years comes from Utah Code § 78B-2-307, which opens “An action may be brought within four years:” and lists, at subsection (4), “(4) for relief not otherwise provided for by law.” The one court statement read for this page on which period governs an injury claim is from the Utah Court of Appeals. Penrose v. Ross, 2003 UT App 157, was about whether an amended complaint that named a different defendant related back to the original complaint, and in setting out its premise the court wrote: “The traffic accident from which this suit arose occurred on November 21, 1996. Thus, the statute of limitations for Penrose's claim of negligence expired on November 21, 2000. See Utah Code Ann. § 78-12-25(3) (2002) ("An action may be brought within four years: . . . for relief not otherwise provided for by law.");” It cited the provision under its earlier number, § 78-12-25(3), in the words subsection (4) prints today. That was the premise of a case about something else, not the question the court decided, and no Utah Supreme Court opinion on the period was read for this page. Ask a licensed Utah attorney which period applies to your claim.
Utah Code § 78B-2-307(4)·Last reviewed 2026-09-28
Open the personal injury calculatorUtah Code § 78B-3-404·Source retrieved 2026-07-27
Open the medical malpractice calculatorUtah Code § 78B-2-304(2)·Source retrieved 2026-07-27
Open the wrongful death calculatorOne year is the earliest a Utah workers' compensation time limit can fall, and it is the limit for medical expenses, not for a claim for disability benefits. Utah Code § 34A-2-417(1)(a) entitles an employee to be compensated for a medical expense only where the employee submits it to the employer or insurance carrier "within one year from the later of: (I) the day on which the medical expense is incurred; or (II) the day on which the employee knows or in the exercise of reasonable diligence should have known that the medical expense is related to the industrial accident." A claim for temporary total, temporary partial, permanent partial or permanent total disability benefits is barred unless the employee "files an application for hearing with the Division of Adjudication no later than six years from the date of the accident", and the employee must be able to meet the burden of proof "by no later than 12 years from the date of the accident" (§ 34A-2-417(2)). For death benefits, "A claim for death benefits is barred unless an application for hearing is filed within one year of the date of death of the employee." (§ 34A-2-417(3)). Ask a licensed Utah attorney which limit applies to your claim.
Utah Code § 34A-2-417(1)(a)(ii)(B)·Last reviewed 2026-10-04
Open the workers compensation calculatorUtah Code § 78B-2-307(4)·Last reviewed 2026-09-28
Open the slip and fall calculatorUtah against the rest of the country
Every count below is read from our state-law data across all 51 jurisdictions, so it moves when the data does. What you will not find here is an average settlement figure: the only one we could compute is a model, and a model presented as a measurement is not a fact.
- 10 of the 51 jurisdictions we track apply modified comparative negligence with a 50% bar, and Utah is one of them.
- Its 4 years to file is longer than the 2 years that 25 jurisdictions use. Across the 51 jurisdictions the deadline for this case type runs from 1 year to 6 years.
- 7 of the 51 jurisdictions limit non-economic damages (pain and suffering) in our data and Utah is not among them, so an estimate here is not held down by a ceiling we hold.
Comparisons are drawn from the legal levers that actually move a case value, not from closed-case data, which we do not hold. See the full methodology