Utah law
Insurance Disputes Laws in Utah.
Utah insurance law includes the Unfair Claim Settlement Practices provisions (Utah Code § 31A-26-301 et seq.). Utah recognizes common-law first-party bad faith based on the implied covenant of good faith and fair dealing. Punitive damages available for egregious conduct. Utah Insurance Department regulates insurers. Utah is a no-fault auto insurance state with Personal Injury Protection (PIP).
Last verified: 2026-04-17
State law
Key Utah Statutes
Utah recognizes first-party bad faith based on breach of implied covenant of good faith and fair dealing. Plaintiffs may recover consequential damages beyond policy limits.
Enumerates specific unfair claim settlement practices. Enforcement through Utah Insurance Department.
Utah is a no-fault auto insurance state. All drivers must carry $3,000 PIP coverage. To sue for pain and suffering in auto cases, the injury must meet a threshold (medical expenses $3,000+, permanent disability, permanent impairment, dismemberment, or death).
Utah requires UM coverage; UIM must be offered but may be rejected in writing.
State law
Official Sources
Not Legal Advice
This page summarizes publicly available statutes and rules for informational purposes only. It does not constitute legal advice, and no attorney-client relationship is created by viewing this content. Laws change — always verify with the primary source or consult a licensed attorney in Utah.
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