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Utah Auto Insurance Laws Utah has no-fault auto insurance laws. No-fault auto insurance allows policyholders to recover financial losses from their own insurance company, regardless of fault. Under current no-fault laws, motorists may sue for severe injuries and for pain and suffering only if medical expenses exceed a certain monetary threshold. Utah law requires motorists to carry bodily injury and property damage liability insurance to help pay for damages they cause in an auto accident. The minimum amounts Utah drivers are required to carry are 25/50/15: $25,000 per person; $50,000 for two or more persons for bodily injury liability; and $15,000 for property damage liability. For each person injured in your car, the first $3,000 in medical expenses will be covered by your policy under Personal Injury Protection.
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