Utah Car Accident Settlement Calculator
Get a rough estimate of what a Utah car-accident injury claim might be worth, based on your medical bills and losses. This is an estimate to understand the factors — not a prediction or an offer.
This is a rough estimate, not a prediction or an offer.
No tool can predict a settlement. This uses the common "multiplier method" to show the factors that drive value and a wide range — actual outcomes depend on the facts, the available insurance limits, the venue, and negotiation. Consult a Utah car-accident attorney about your case.
Enter your medical bills and losses to see an estimated range
The multiplier method (pain-and-suffering as a multiple of your medical bills) is a common starting point, not a guarantee. A real recovery is also capped by the available insurance (the at-fault driver's limits, or your own UM/UIM coverage). Most car-accident cases settle; an attorney is the only way to value your specific claim. This tool is not legal advice and RecordingLaw.com is not a law firm.
How the Estimate Works
No tool can predict a car-accident settlement — every case is different and the number depends on the facts, the available insurance, the venue, and negotiation. This calculator applies the multiplier method: it adds your economic damages (medical bills, lost wages, vehicle damage), then estimates pain and suffering as a multiple of your medical bills (about 1.5× for minor injuries up to 5× or more for catastrophic ones), and shows a wide range. It then applies Utah's fault rule and flags the insurance limits that cap a real payout.
Utah Is a no-fault (PIP) state
Utah is one of the 12 traditional no-fault (PIP) states. Every motor-vehicle liability policy (except motorcycles, off-highway/street-legal ATVs, trailers, and semitrailers) must include Personal Injury Protection, and the injured person's own PIP pays first regardless of fault (Utah Code 31A-22-302, -307). Because PIP is mandatory and a statutory tort threshold (31A-22-309) bars suits for general damages unless the threshold is met, Utah is a true no-fault state — NOT a choice state (only NJ, PA, KY allow election) and NOT a mere add-on PIP state.
Serious-injury threshold. In a no-fault state your own Personal Injury Protection (PIP) pays your medical bills and lost wages first, regardless of fault. You can only step outside no-fault and sue the at-fault driver for pain and suffering if your injuries clear the state's threshold. Utah Code 31A-22-309(1)(a): A person with PIP coverage may not maintain a cause of action for GENERAL damages (pain & suffering) from an auto accident UNLESS they sustained one or more of: (i) death; (ii) dismemberment; (iii) permanent disability or permanent impairment based on objective findings; (iv) permanent disfigurement; (v) a bone fracture; OR (vi) medical expenses in excess of $3,000. This combines a verbal/serious-injury list with a $3,000 monetary medical-bill threshold — meeting either path opens the door to a third-party liability suit. Threshold does not apply to uninsured-motorist claims (31A-22-309(1)(b)).
PIP: PIP is mandatory on covered motor-vehicle policies (Utah Code 31A-22-302). Minimum PIP per Utah Code 31A-22-307: at least $3,000 per person for medical/surgical/X-ray/dental/rehab/ambulance/hospital/nursing; lost income the lesser of $250/week or 85% of gross income for up to 52 weeks (after a 3-day wait); a household-services allowance up to $20/day for up to 365 days; funeral/burial/cremation up to $1,500; and a $3,000 death benefit to heirs. Deductibles are not permitted on required PIP coverages.
Minimum Insurance & UM/UIM in Utah
A settlement is only collectible up to the available insurance. Utah's minimum required liability coverage is $30,000 per person / $65,000 per accident for bodily injury and $25,000 for property damage. Many drivers carry only the minimum, so a large claim can exceed the at-fault driver's policy. Utah Code 31A-22-304. For policies issued or renewed on or after January 1, 2025 (current 2026 law): $30,000 BI per person / $65,000 BI per accident / $25,000 property damage (30/65/25), or a combined single limit of $90,000. (Policies on or before Dec. 31, 2024 used 25/65/15 with an $80,000 CSL; the same 25/65/15 still applies to self-insured private rental fleets under subsection (3).) Note the per-accident figure is $65,000, not the more typical 2x-per-person figure.
Uninsured/underinsured motorist (UM/UIM): if the other driver had no insurance or fled the scene, your recovery comes from your own UM/UIM coverage. In Utah, UM/UIM is must be offered (you may reject it in writing). UM/UIM must be offered but can be rejected in writing. Utah Code 31A-22-305(5)(a): the named insured may reject uninsured-motorist coverage by an express writing on an insurer-provided form that explains the coverage's purpose; the rejection continues until the insured requests UM in writing. Default UM limits equal the policy's liability limits unless the insured signs an acknowledgment form (filed with the department) electing lower limits (31A-22-305(4)(a)). UM may not be sold below the 31A-22-304 minimum BI limits (305(4)(i)). Underinsured-motorist (UIM) coverage is governed by 31A-22-305.3 (most recently amended effective 5/7/2025) and is likewise offer/reject-in-writing. Stacking of UM across multiple vehicles is generally prohibited.
Fault & Your Recovery: modified comparative negligence (50% bar)
Utah follows modified comparative negligence (50% bar). Your award is reduced by your share of fault, and you recover nothing once you are 50% or more at fault.
Deadline to File a Utah Car-Accident Claim
Utah generally requires a car-accident injury lawsuit to be filed within 4 years of the crash (the statute of limitations). Personal-injury (auto tort) statute of limitations is 4 years under Utah Code 78B-2-307(4) (action for injury to the person not otherwise specified). Wrongful-death is 2 years (78B-2-304). First-party PIP and UM/UIM contract claims also carry a 4-year limit measured from inception of loss (31A-22-307(7) and 31A-22-305(11)). Miss it and your claim is usually barred no matter how strong it is, so do not wait to talk to an attorney.
- Utah is a true no-fault (PIP) state: after a crash you first turn to your own Personal Injury Protection for medical bills and lost wages regardless of who was at fault (Utah Code 31A-22-302, -307).
- PIP is mandatory with a $3,000-per-person medical minimum, plus lost-income, household-services, funeral, and death benefits (31A-22-307).
- To sue the at-fault driver for pain and suffering (general damages), you must cross Utah's tort threshold (31A-22-309): death, dismemberment, permanent disability/impairment, permanent disfigurement, a bone fracture, OR more than $3,000 in medical expenses.
- Minimum liability limits rose to 30/65/25 ($30,000 per person, $65,000 per accident, $25,000 property damage) for policies issued or renewed on or after January 1, 2025 (31A-22-304).
- Uninsured/underinsured motorist coverage must be offered at your liability limits but can be rejected or reduced only by signing a written form (31A-22-305, -305.3).
- Fault is apportioned under Utah's modified comparative-negligence rule (50% bar) — you recover only if you are less than 50% at fault, with damages reduced by your share. Car-accident injury suits must generally be filed within 4 years (Utah Code 78B-2-307).
Frequently Asked Questions
How much is my Utah car accident claim worth?
No one can tell you a number in advance. A rough estimate adds your economic damages (medical bills, lost wages, vehicle damage) and applies a pain-and-suffering multiplier, then adjusts for fault under Utah's modified comparative negligence (50% bar) rule and the no-fault serious-injury threshold. The real value also depends on the available insurance limits — an attorney is the only way to value your specific case.
Is Utah a no-fault state?
Utah is one of the 12 traditional no-fault (PIP) states. Every motor-vehicle liability policy (except motorcycles, off-highway/street-legal ATVs, trailers, and semitrailers) must include Personal Injury Protection, and the injured person's own PIP pays first regardless of fault (Utah Code 31A-22-302, -307). Because PIP is mandatory and a statutory tort threshold (31A-22-309) bars suits for general damages unless the threshold is met, Utah is a true no-fault state — NOT a choice state (only NJ, PA, KY allow election) and NOT a mere add-on PIP state.
Does my own fault reduce my Utah settlement?
Yes. Utah follows modified comparative negligence (50% bar). You recover nothing once you are 50% or more at fault.
How long do I have to file in Utah?
Generally 4 years from the crash. Personal-injury (auto tort) statute of limitations is 4 years under Utah Code 78B-2-307(4) (action for injury to the person not otherwise specified). Wrongful-death is 2 years (78B-2-304). First-party PIP and UM/UIM contract claims also carry a 4-year limit measured from inception of loss (31A-22-307(7) and 31A-22-305(11)).
Is this calculator accurate?
It is a rough estimate to show the factors that drive value — not a prediction or an offer. Real settlements vary enormously and are capped by the available insurance. Treat any number here as a ballpark and consult a Utah car-accident attorney.
Disclaimer
This estimator is for general informational purposes only and is not legal advice or a prediction of any outcome. RecordingLaw.com is not a law firm. The value of a car-accident claim can only be assessed by a licensed attorney reviewing your specific facts.