Uber and Lyft Accident Claims in Utah

Utah requires the rideshare (transportation network) company or driver to keep primary insurance. During the waiting period (app on, no ride): liability of at least $50,000 per individual, $100,000 for all individuals, and $30,000 for property damage per occurrence. During a prearranged ride: at least $1,000,000 liability per occurrence. Both periods require personal injury protection as required by state law and uninsured and underinsured motorist coverage where state law requires it.

For policies issued or renewed on or after January 1, 2025, minimum liability coverage is $30,000 for bodily injury or death of one person, $65,000 for two or more people in one accident, and $25,000 for property damage (or a $90,000 combined single limit). Utah is a no-fault state: policies must include personal injury protection (PIP) of at least $3,000 per person for medical expenses, plus lost-income and household-services benefits. A person with PIP coverage may sue for general damages (such as pain and suffering) only for death, dismemberment, permanent disability or impairment, permanent disfigurement, a bone fracture, or medical expenses over $3,000.

Modified comparative fault (50% bar). An injured person can recover from defendants whose combined fault (together with immune persons and nonparties to whom fault is assigned) exceeds the injured person's own fault. If the injured person is 50% or more at fault, they recover nothing. Each defendant pays only its own share of fault.

Utah's statutes do not list a specific deadline for ordinary negligence personal injury claims. They fall under the four-year limit for relief "not otherwise provided for by law." Claims against the state, a political subdivision, or their employees for injury to personal rights have a two-year limit.