How do accidents in no-fault states versus at-fault states differ, and where does Utah lie?
How No-Fault Insurance Works
Utah is a no-fault state, which means everyone has their own medical expenses covered under PIP. However, the at-fault driver’s insurance — property damage liability coverage, specifically — still pays for the other party’s property damages.
The state’s modified comparative negligence laws mean that if someone wanted to sue for their losses, they have to be less than 50 percent at fault for the accident compared to all the other involved parties combined. If they were any percentage at fault, their compensation would be reduced by that percentage. The insurance adjuster will determine the percentages of fault after gathering information and inspecting vehicle damages, police reports, etc.