What is a car accident claim worth in Utah?
Every rule below is quoted from Utah law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Utah, and the Utah rules that raise or lower what you collect. $29,253 was the average injury claim paid in Utah in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from Utah law on this site, each with a link.
What claims paid in Utah
Injury claims in Utah averaged $29,253 each in 2022.
Car and property damage claims averaged $6,324.
| Injury claim paid by the at fault driver's insurance | $29,253 |
|---|---|
| Car and property damage | $6,324 |
| Personal injury protection, paid by your own policy | $3,073 |
| Medical payments coverage, paid by your own policy | $4,967 |
| Collision coverage, paid by your own policy | $6,525 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Utah
If you were partly at fault
Utah uses modified comparative negligence. You can recover money only if your own share of fault is not greater than the combined fault of the people you are suing, and your payout is reduced by your own share of fault.
“A person seeking recovery may recover from any defendant or group of defendants whose fault, combined with the fault of persons immune from suit and nonparties to whom fault is allocated, exceeds the fault of the person seeking recovery”
The other driver's policy limit is the ceiling
For policies issued or renewed on or after January 1, 2025, Utah drivers must carry at least $30,000 in bodily injury coverage per person, $65,000 per accident, and $25,000 in property damage coverage.
“$30,000 because of liability for bodily injury to or death of one person...in the amount of $65,000 because of liability for bodily injury to or death of two or more persons...and in the amount of $25,000 because of liability for injury to, or destruction of, property of others”
If the other driver has no insurance
Utah insurers must offer uninsured and underinsured motorist coverage matching your liability limits. You can reject it or choose a lower amount only by signing a specific written waiver form filed with the insurance department.
“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”
The deadline that ends the claim
You have 4 years from the crash to sue over your injuries.
“An action may be brought within four years: ... for relief not otherwise provided for by law.”
What a lawyer takes if you hire one
Utah has no dollar or percentage cap on personal injury contingency fees. The fee has to be reasonable, and the contingent fee agreement must be in a writing signed by the client.
“A contingent fee agreement shall be in a writing signed by the client and shall state the method by which the fee is to be determined, including the percentage or percentages that shall accrue to the lawyer in the event of settlement, trial or appeal”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.