Utah’s no-fault insurance system requires drivers to carry Personal Injury Protection (PIP) coverage, which pays for medical expenses, lost wages, and other related costs regardless of who is at fault in an accident. Each driver must have a minimum of $3,000 in PIP coverage. This system aims to reduce the need for litigation by allowing policyholders to receive immediate compensation from their own insurance company. However, if injuries exceed certain thresholds, such as significant medical expenses or permanent disability, individuals may pursue a claim against the at-fault driver. Understanding Utah’s no-fault insurance can help you navigate claims efficiently and ensure you have adequate coverage.