Utah Car Accident Settlement Calculator
Estimate your Utah car accident claim using real settlement data and UT-specific fault laws
The average paid bodily-injury liability claim in Utah is $29,253 for claim year 2022, above the $28,919 national average, and $27,615 averaged across 2020-2022 (NAIC Auto Insurance Database Report). Utah applies a modified comparative negligence rule with a 50% bar and car accident injury claims must be filed within 4 years of the crash (Utah Code § 78B-2-307).
Source: NAIC Auto Insurance Database Report (2022/2023 edition), 2020-2022 claim years. Figures are average paid bodily-injury liability claims, not total case values.
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Car Accident Settlements in Utah
Utah uses a modified comparative (50% bar) system. Modified comparative negligence with 50% bar — you're barred from recovery if 50% or more at fault. Utah is a no-fault state with PIP coverage requirements. Utah has no cap on non-economic damages for personal injury car accident cases, meaning pain and suffering awards have no statutory limit.
The average bodily injury (BI) liability claim payment in Utah was approximately $29,253 in 2022, per the NAIC 2022/2023 Auto Insurance Database Report (2020–2022 average: $27,615). Serious cases settle far above these insurance averages — surgery, permanent impairment, or disputed liability regularly push outcomes into six figures. Our calculator uses the same multiplier method insurance adjusters use, benchmarked against real government settlement data.
Key Utah factors: Modified Comparative (50% Bar) fault system, 4-year statute of limitations, minimum insurance of 25/65/15 (mandatory uninsured motorist coverage). Utah is a no-fault state, so your PIP coverage handles initial medical costs. To file a tort claim for pain and suffering, you must $3,000 in medical expenses OR injury resulting in permanent disability, permanent impairment, or permanent disfigurement..
Utah Car Accident Settlement Statistics
Avg. BI Claim (NAIC 2022)
$29,253
3-Yr Avg BI Claim (NAIC)
$27,615
Fault System
Modified Comparative (50% Bar)
Utah Car Accident Laws That Affect Your Settlement
Modified Comparative (50% Bar) (Utah Code § 78B-5-818): Modified comparative negligence with 50% bar — you're barred from recovery if 50% or more at fault. Utah is a no-fault state with PIP coverage requirements.
Statute of limitations: You have 4 years from the date of the accident to file a personal injury lawsuit in Utah (Utah Code § 78B-2-307). Missing this deadline generally means losing your right to sue.
Utah Car Accident Settlement FAQs
What is the average car accident settlement in Utah?
The average bodily injury (BI) liability claim payment in Utah was about $29,253 in 2022 (NAIC 2022/2023 Auto Insurance Database Report; 2020–2022 average: $27,615). However, settlements vary enormously based on injury severity — minor soft tissue injuries may settle for $5,000-$15,000, while serious injuries involving surgery can reach $100,000-$500,000+.
How does Utah's fault law affect my settlement?
Utah's modified comparative negligence system means you can recover damages as long as you are LESS than 50% at fault. At exactly 50% or more, you're barred from recovery entirely. Your award is reduced by your fault percentage. This directly impacts the settlement amount you can expect to receive.
How long do I have to file a car accident claim in Utah?
In Utah, the statute of limitations for personal injury from a car accident is 4 years from the date of the accident (Utah Code § 78B-2-307). Missing this deadline typically means you lose the right to sue. If filing against a government entity, shorter deadlines may apply.
Does Utah cap car accident settlement amounts?
Utah does not cap compensatory damages in personal injury car accident cases that exceed the no-fault threshold.
Should I accept the insurance company's first offer in Utah?
Generally, no. Insurance companies in Utah typically start with a low offer. The average BI claim payment in Utah is $29,253 (NAIC 2022), and first offers frequently come in well below case value.
Other Injury Type Calculators
Same crash, different injury — settlements vary by injury type. Each calculator uses type-specific insurer formulas.
Other State Calculators
Car Accident Settlement Calculators by State
Settlement ranges, statutes of limitations, and comparative-fault rules differ by state — see yours: