Utah Code
Utah Code § 31A-22-302 (2026)
Required components of motor vehicle insurance policies -- Exceptions
✓ current as of May 2026
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Every policy of insurance or combination of policies purchased to satisfy the owner's or operator's security requirement of Section 41-12a-301 shall include:
motor vehicle liability coverage under Sections 31A-22-303 and 31A-22-304;
uninsured motorist coverage under Section 31A-22-305, unless affirmatively waived under Subsection 31A-22-305(5);
underinsured motorist coverage under Section 31A-22-305.3, unless affirmatively waived under Subsection 31A-22-305.3(3); and
except as provided in Subsection (2) and subject to Subsection (4), personal injury protection under Sections 31A-22-306 through 31A-22-309.
A policy of insurance or combination of policies, purchased to satisfy the owner's or operator's security requirement of Section 41-12a-301 for a motorcycle, off-highway vehicle, street-legal all-terrain vehicle, trailer, or semitrailer is not required to have personal injury protection under Sections 31A-22-306 through 31A-22-309.
A card issued by an insurance company as evidence of owner's or operator's security under Section 41-12a-302 may not display the owner's or operator's address on the card.
First party medical coverages may be offered or included in policies issued to motorcycle, off-highway vehicle, street-legal all-terrain vehicle, trailer, and semitrailer owners or operators.
Owners and operators of motorcycles, off-highway vehicles, street-legal all-terrain vehicles, trailers, and semitrailers are not covered by personal injury protection coverages in connection with injuries incurred while operating any of these vehicles.
First party medical coverage expenses shall be governed by the relative value study provisions under Subsections 31A-22-307(2) and (3).
Notes of Decisions
Cited in 40
cases (6 in the last 5 years), 1987–2026 · leading case: Arredondo v. Avis Rent a Car Sys., Inc., 2001 UT 29 (Utah 2001).
Arredondo v. Avis Rent a Car Sys., Inc., 2001 UT 29 (Utah 2001). “" ¶ 14 Whether a policy or combination of policies was " purchased to satisfy the owner's or operator's security requirement of Section 41-12a-301," Utah Code Ann. § 31A-22-302 (emphasis added), hinges not on whether it actually satisfies the statutory security requirement, but…”
Calhoun v. State Farm Mut. Auto. Ins. Co., 2004 UT 56 (Utah 2004). “The terms “owner’s security,” “operator’s security,” or “owner’s or operator’s security” are defined as “an insurance policy or combination of policies conforming to Section 31A-22-302.” Id. § 41-12a-103(9)(a).”
Li v. Enter. Rent-A-Car Co. of Utah, 2006 UT 80 (Utah 2006). “" 28 The two titles are also connected by Utah Code section 41-12a~407(2), which requires self-insurers to pay insurance benefits "as would an insurer issuing a policy to the self-funded person containing the coverages under Section 31A-22-302. 29 117 Following either path,…”
Dircks v. Travelers Indem. Co. of Am., 2017 UT 73 (Utah 2017). “¶ 37 The majority hangs its hat on the word "policy" in Utah Code section 31A-22-302. According to section 302, the majority reasons, section 305.”
Neel v. State, 854 P.2d 581 (Utah Ct. App. 1993). “Likewise, the exclusion of self-insurance from the effects of title 31A is overcome by other specific statutes expressly providing that sections 31A-22-302 through -309 apply to self-insurers.”
Prince v. Bear River Mut. Ins. Co., 2002 UT 68 (Utah 2002). “Utah Code Ann. § 31A-22-302(2) (2001). This component of the Act "allows accident victims to claim PIP benefits from their own insurers-regardless of fault-up to statutory limits.”
State Farm Mut. Auto. Ins. Co. v. Green, 2003 UT 48 (Utah 2003). “See Utah Code Ann. § 31A-22-302(l) (1995). 2 By vesting the insurer with the ability to deny approval of proposed settlements, Green asserts that consent to settle exclusions give the insurer, rather than the victim, control of litigation between the tort-feasor and the victim.”
Peterson v. Utah Farm Bureau Ins. Co., 927 P.2d 192 (Utah Ct. App. 1996). “And finally, For new policies or contracts written after January 1, 1993, a named insured may reject underinsured motorist coverage by an express writing to the insurer that provides liability coverage under Subsection 31A-22-302(l)(aj. This rejection continues for that issuer…”
Hinton v. Midwest Fam. Mut. Ins., 2025 UT 4 (Utah 2025). “ii) may not be subrogated by a workers’ compensation insurance carrier, workers’ compensation insurance, uninsured employer, the Uninsured Employers Fund created in Section 34A-2-704, or the Employers’ Reinsurance Fund created in Section 34A-2-702;…”
Cullum v. Farmers Ins. Exch., 857 P.2d 922 (Utah 1993). “Rather, one would have to find section 41-12a-103(9)(a) or (b), which defines "owner's security" as, inter alia, an insurance policy or surety bond "conforming to Section 31A-22-302." The next step would be to locate this last-referenced section, which provides that every…”
Eaquinta v. Allstate Ins. Co., 2005 UT 78 (Utah 2005). “See Utah Code Ann. § 31A-22-302 (2003). An insurance policy that does not comply with this requirement is invalid, and the required coverage will be read into the insurance policy.”
Chambers v. Agency Rent-A-Car, Inc., 878 P.2d 1164 (Utah Ct. App. 1994). “Persons holding a certificate of self-funded coverage under this subsection shall pay benefits to persons injured from the self-funded person’s operation, maintenance, and use of motor vehicles as would an insurer issuing a policy to the self-funded person containing the…”
— Utah Code § 31A-22-302(1) — 4 cases
Arredondo v. Avis Rent a Car Sys., Inc., 2001 UT 29 (Utah 2001). “" ¶ 14 Whether a policy or combination of policies was " purchased to satisfy the owner's or operator's security requirement of Section 41-12a-301," Utah Code Ann. § 31A-22-302 (emphasis added), hinges not on whether it actually satisfies the statutory security requirement, but…”
Dircks v. Travelers Indem. Co. of Am., 2017 UT 73 (Utah 2017). “¶ 37 The majority hangs its hat on the word "policy" in Utah Code section 31A-22-302. According to section 302, the majority reasons, section 305.”
Liberty Mut. Ins. Co. v. Shores, 147 P.3d 456 (Utah Ct. App. 2006).
Gen. Sec. Indem. Co. v. Tipton, 2007 UT App 109 (Utah Ct. App. 2007).
— Utah Code § 31A-22-302(1)(a) — 4 cases
Arredondo v. Avis Rent a Car Sys., Inc., 2001 UT 29 (Utah 2001). “" ¶ 14 Whether a policy or combination of policies was " purchased to satisfy the owner's or operator's security requirement of Section 41-12a-301," Utah Code Ann. § 31A-22-302 (emphasis added), hinges not on whether it actually satisfies the statutory security requirement, but…”
Li v. Enter. Rent-A-Car Co. of Utah, 2006 UT 80 (Utah 2006). “" 28 The two titles are also connected by Utah Code section 41-12a~407(2), which requires self-insurers to pay insurance benefits "as would an insurer issuing a policy to the self-funded person containing the coverages under Section 31A-22-302. 29 117 Following either path,…”
Progressive Cas. Ins. Co. v. Ewart, 2007 UT 52 (Utah 2007).
State Farm Mut. Auto. Ins. Co. v. DeHerrera, 2006 UT App 388 (Utah Ct. App. 2006).
— Utah Code § 31A-22-302(1)(b) — 2 cases
Gen. Sec. Indem. Co. of Arizona v. Tipton, 158 P.3d 1121 (Utah Ct. App. 2007).
Gen. Sec. Indem. Co. v. Tipton, 2007 UT App 109 (Utah Ct. App. 2007).
— Utah Code § 31A-22-302(1)(c) — 7 cases
Hinton v. Midwest Fam. Mut. Ins., 2025 UT 4 (Utah 2025). “ii) may not be subrogated by a workers’ compensation insurance carrier, workers’ compensation insurance, uninsured employer, the Uninsured Employers Fund created in Section 34A-2-704, or the Employers’ Reinsurance Fund created in Section 34A-2-702;…”
McArthur v. State Farm Mut. Auto. Ins. Co., 2012 UT 22 (Utah 2012).
Kingston v. State Farm Auto. Ins. Co., 2015 UT App 28 (Utah Ct. App. 2015).
Nelson v. Safeco Ins. Co. of Illinois (D. Utah 2025).
Jones v. USAA Cas. Ins. Co. (D. Utah 2025).
— Utah Code § 31A-22-302(2) — 6 cases
Prince v. Bear River Mut. Ins. Co., 2002 UT 68 (Utah 2002). “Utah Code Ann. § 31A-22-302(2) (2001). This component of the Act "allows accident victims to claim PIP benefits from their own insurers-regardless of fault-up to statutory limits.”
Bear River Mut. Ins. Co. v. Wall, 1999 UT 33 (Utah 1999).
Chambers v. Agency Rent-A-Car, Inc., 878 P.2d 1164 (Utah Ct. App. 1994). “Persons holding a certificate of self-funded coverage under this subsection shall pay benefits to persons injured from the self-funded person’s operation, maintenance, and use of motor vehicles as would an insurer issuing a policy to the self-funded person containing the…”
Neel v. State, 889 P.2d 922 (Utah 1995).
Bear River Mut. Ins. Co. v. Wall, 937 P.2d 1282 (Utah Ct. App. 1997).
— Utah Code § 31A-22-302(l) — 5 cases
State Farm Mut. Auto. Ins. Co. v. Green, 2003 UT 48 (Utah 2003). “See Utah Code Ann. § 31A-22-302(l) (1995). 2 By vesting the insurer with the ability to deny approval of proposed settlements, Green asserts that consent to settle exclusions give the insurer, rather than the victim, control of litigation between the tort-feasor and the victim.”
Calhoun v. State Farm Mut. Auto. Ins. Co., 2004 UT 56 (Utah 2004). “The terms “owner’s security,” “operator’s security,” or “owner’s or operator’s security” are defined as “an insurance policy or combination of policies conforming to Section 31A-22-302.” Id. § 41-12a-103(9)(a).”
Dairyland Ins. Co. v. State Farm Mut. Auto. Ins. Co., 882 P.2d 1143 (Utah 1994).
Peterson v. Utah Farm Bureau Ins. Co., 927 P.2d 192 (Utah Ct. App. 1996). “And finally, For new policies or contracts written after January 1, 1993, a named insured may reject underinsured motorist coverage by an express writing to the insurer that provides liability coverage under Subsection 31A-22-302(l)(aj. This rejection continues for that issuer…”
Afridi v. State Farm Mut. Auto. Ins. Co., 122 P.3d 596 (Utah 2005).
— Utah Code § 31A-22-302(l)(a) — 4 cases
State Farm Mut. Auto. Ins. Co. v. Nw. Nat'l Ins. Co., 912 P.2d 983 (Utah 1996).
Dairyland Ins. Co. v. State Farm Mut. Auto. Ins. Co., 882 P.2d 1143 (Utah 1994).
Calhoun v. State Farm Mut. Auto. Ins. Co., 2004 UT 56 (Utah 2004). “The terms “owner’s security,” “operator’s security,” or “owner’s or operator’s security” are defined as “an insurance policy or combination of policies conforming to Section 31A-22-302.” Id. § 41-12a-103(9)(a).”
Universal Underwriters Ins. Co. v. State Farm Mut. Auto. Ins. Co., 925 P.2d 1270 (Utah Ct. App. 1996).
— Utah Code § 31A-22-302(l)(b) — 2 cases
Eaquinta v. Allstate Ins. Co., 2005 UT 78 (Utah 2005). “See Utah Code Ann. § 31A-22-302 (2003). An insurance policy that does not comply with this requirement is invalid, and the required coverage will be read into the insurance policy.”
Peterson v. Utah Farm Bureau Ins. Co., 927 P.2d 192 (Utah Ct. App. 1996). “And finally, For new policies or contracts written after January 1, 1993, a named insured may reject underinsured motorist coverage by an express writing to the insurer that provides liability coverage under Subsection 31A-22-302(l)(aj. This rejection continues for that issuer…”
— Utah Code § 31A-22-302(l)(c) — 2 cases
State Farm Mut. Auto. Ins. Co. v. Green, 2003 UT 48 (Utah 2003). “See Utah Code Ann. § 31A-22-302(l) (1995). 2 By vesting the insurer with the ability to deny approval of proposed settlements, Green asserts that consent to settle exclusions give the insurer, rather than the victim, control of litigation between the tort-feasor and the victim.”
Peterson v. Utah Farm Bureau Ins. Co., 927 P.2d 192 (Utah Ct. App. 1996). “And finally, For new policies or contracts written after January 1, 1993, a named insured may reject underinsured motorist coverage by an express writing to the insurer that provides liability coverage under Subsection 31A-22-302(l)(aj. This rejection continues for that issuer…”
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