Utah Car Accident Settlement Calculator
Estimate your potential settlement based on Utah guidelines.
Estimated Settlement Range
Economic Damages: $0
Non-Economic Damages: $0
Total Property Damage: $0
Est. Total (Before Fault): $0
Fault Reduction (0%): $0
Est. Final Payout: $0
Disclaimer: This is a simplified estimate for educational purposes only. It is not legal advice. The final payout is capped by the at-fault driver’s insurance limits. Utah is a “No-Fault” state (use your $3k PIP first). You can only claim pain & suffering if you meet the $3,000 medical or “serious injury” threshold. Under Utah’s “Modified Comparative Negligence” (50% Bar) law, you are barred from *any* recovery if your fault is 50% or greater.
What Is the Utah Car Accident Settlement Calculator?
The Utah Car Accident Settlement Calculator is an interactive tool designed to estimate your potential settlement value after a crash. It factors in your:
- Medical bills
- Lost wages
- Future medical expenses
- Vehicle value
- Injury severity
- Fault percentage
- Insurance policy limits
- Additional case factors (like DUI, witnesses, or whether you hired an attorney)
Unlike generic settlement tools, this one is built around Utah’s unique “No-Fault” and “Modified Comparative Negligence” laws, giving you a more accurate and state-specific estimate.
How the Calculator Works
When you enter your details into the calculator, it runs your inputs through a structured formula inspired by real-world claim assessments.
Here’s a simplified breakdown of what’s happening under the hood:
- Economic Damages
These are your actual financial losses. The calculator adds up:- Medical bills
- Lost wages
- Future medical costs
- Non-Economic Damages
These cover pain and suffering, emotional distress, and long-term effects.
The calculator uses a multiplier method — your economic damages are multiplied by a factor (1.5 to 5.0+) based on how severe your injury is. Example: If you had $10,000 in medical bills and your injury level is “moderate” (2.5x), your pain and suffering estimate would be around $25,000. - Property Damage
This depends on how badly your vehicle was damaged. You move a slider from “Minor” to “Totaled,” and the calculator estimates a property payout accordingly. - Fault Adjustment
Utah’s Modified Comparative Negligence law reduces your payout if you were partly at fault.- If you’re less than 50% at fault, your compensation is reduced by that percentage.
- If you’re 50% or more at fault, you get nothing.
- Insurance Policy Limits
Even if your calculated damages are high, your final payout cannot exceed the at-fault driver’s insurance limits.
Utah’s minimums are $25,000 for bodily injury and $15,000 for property damage — but these limits can vary.
Key Utah Laws the Calculator Reflects
1. No-Fault Rule
Utah is a No-Fault state. That means your own insurance pays for your medical expenses up to $3,000 through Personal Injury Protection (PIP), no matter who caused the crash.
You can only step outside the no-fault system (and sue for pain and suffering) if:
- Your medical expenses exceed $3,000, or
- You suffered a “serious injury” (like a fracture, disfigurement, or permanent disability)
The calculator accounts for this automatically. If your medical costs are under $3,000 and your injuries aren’t “serious,” it will show a warning and block non-economic (pain and suffering) damages.
2. Modified Comparative Negligence
Utah uses a 50% bar rule:
- You can recover damages only if you are less than 50% at fault.
- Your payout is reduced by your fault percentage.
For example, if you were 20% at fault for the crash and your total damages were $100,000, you’d receive $80,000.
The calculator enforces this rule — enter 50% or higher, and you’ll see an error message that your recovery is barred.
Understanding the “Additional Factors”
Real-life accident claims don’t exist in a vacuum. Small details can shift your settlement value significantly. The calculator includes a set of check boxes to help refine your estimate:
| Factor | Effect on Settlement |
|---|---|
| Police Report Filed | Adds credibility; small multiplier boost |
| Independent Witnesses | Strengthens your case; increases payout potential |
| Attorney Representation | Typically increases claim value through negotiation leverage |
| DUI Involved (At-Fault) | Major factor; can increase multiplier significantly |
| Commercial Vehicle Involved | Often raises insurance limits and payout potential |
| Pre-Existing Conditions | May reduce value slightly depending on injury overlap |
Each of these details tweaks your damage multiplier, creating a more realistic range instead of a generic guess.
Example: How Your Settlement Might Be Calculated
Let’s say:
- Medical Bills: $8,000
- Lost Wages: $3,000
- Future Medical: $2,000
- Vehicle Value: $15,000
- Injury Level: “Moderate” (2.5x multiplier)
- Fault: 10%
- DUI: Yes (adds +1.0 multiplier)
Your economic damages = $13,000
Your non-economic damages = $13,000 × 3.5 = $45,500
Property damage (moderate) ≈ $10,000
Total = ~$68,500
Fault reduction (10%) = -$6,850
Estimated payout: ~$61,000 (within BI and PD policy limits)
Why This Calculator Matters
Many Utah drivers underestimate or overestimate their claims. This tool gives you a data-driven, law-aware estimate that reflects how insurance companies, lawyers, and courts actually evaluate cases.
It’s:
- Free and instant
- Easy to use
- Tailored to Utah law
- Educational (not legal advice)
While no calculator can replace a skilled attorney’s assessment, this one gives you the clarity you need to understand your case value before negotiations start.
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