Utah Code
Utah Code § 31A-22-307 (2026)
Personal injury protection coverages and benefits
✓ current as of May 2026
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Personal injury protection coverages and benefits include:
up to the minimum amount required coverage of not less than $3,000 per person, the reasonable value of all expenses for necessary:
medical services;
surgical services;
X-ray services;
dental services;
rehabilitation services, including prosthetic devices;
ambulance services;
hospital services; and
nursing services;
the lesser of $250 per week or 85% of any loss of gross income and loss of earning capacity per person from inability to work, for a maximum of 52 consecutive weeks after the loss, except that this benefit need not be paid for the first three days of disability, unless the disability continues for longer than two consecutive weeks after the date of injury; and
a special damage allowance not exceeding $20 per day for a maximum of 365 days, for services actually rendered or expenses reasonably incurred for services that, but for the injury, the injured person would have performed for the injured person's household, except that this benefit need not be paid for the first three days after the date of injury unless the person's inability to perform these services continues for more than two consecutive weeks;
funeral, burial, or cremation benefits not to exceed a total of $1,500 per person; and
compensation on account of death of a person, payable to the person's heirs, in the total of $3,000.
To determine the reasonable value of the medical expenses provided for in Subsection (1) and under Subsection 31A-22-309(1)(a)(vi), the commissioner shall conduct a relative value study of services and accommodations for the diagnosis, care, recovery, or rehabilitation of an injured person in the most populous county in the state to assign a unit value and determine the 75th percentile charge for each type of service and accommodation.
The relative value study shall be updated every other year.
In conducting the relative value study, the department may consult or contract with appropriate public and private medical and health agencies or other technical experts.
The costs and expenses incurred in conducting, maintaining, and administering the relative value study shall be funded by the tax created under Section 59-9-105.
Upon completion of the relative value study, the department shall prepare and publish a relative value study which sets forth the unit value and the 75th percentile charge assigned to each type of service and accommodation.
The reasonable value of any service or accommodation is determined by applying the unit value and the 75th percentile charge assigned to the service or accommodation under the relative value study.
If a service or accommodation is not assigned a unit value or the 75th percentile charge under the relative value study, the value of the service or accommodation shall equal the reasonable cost of the same or similar service or accommodation in the most populous county of this state.
This Subsection (2) does not preclude the department from adopting a schedule already established or a schedule prepared by persons outside the department, if it meets the requirements of this Subsection (2).
Every insurer shall report to the commissioner any pattern of overcharging, excessive treatment, or other improper actions by a health provider within 30 days after the day on which the insurer has knowledge of the pattern.
In disputed cases, a court on its own motion or on the motion of either party, may designate an impartial medical panel of not more than three licensed physicians to examine the claimant and testify on the issue of the reasonable value of the claimant's medical services or expenses.
An impartial medical panel designated under Subsection (2)(e)(i) shall consist of a majority of health care professionals within the same license classification and specialty as the provider of the claimant's medical services or expenses.
Medical expenses as provided for in Subsection (1)(a) and in Subsection 31A-22-309(1)(a)(vi) include expenses for any nonmedical remedial care and treatment rendered in accordance with a recognized religious method of healing.
The insured may waive for the named insured and the named insured's spouse only the loss of gross income benefits of Subsection (1)(b)(i) if the insured states in writing that:
within 31 days of applying for coverage, neither the insured nor the insured's spouse received any earned income from regular employment; and
for at least 180 days from the date of the writing and during the period of insurance, neither the insured nor the insured's spouse will receive earned income from regular employment.
This section does not:
prohibit the issuance of a policy of insurance providing coverages greater than the minimum coverage required under this chapter; or
require the segregation of those minimum coverages from other coverages in the same policy.
Deductibles are not permitted with respect to the insurance coverages required under this section.
A person shall bring an action on a written policy or contract for personal injury protection coverage within four years after the inception of loss.
This Subsection (7) applies to a claim that is not time barred by Subsection 31A-21-313(1)(a) as of May 3, 2023.
Notes of Decisions
Cited in 16
cases (2 in the last 5 years), 1989–2025 · leading case: Tanner v. Phoenix Ins. Co., 799 P.2d 231 (Utah Ct. App. 1990).
Tanner v. Phoenix Ins. Co., 799 P.2d 231 (Utah Ct. App. 1990). “JACKSON, Judge: This declaratory judgment action involves a claim for minimum personal injury protection benefits mandated by Utah Code Ann. § 31A-22-307 (Supp.1990), a part of Utah’s no-fault automobile insurance statute.”
Versluis v. Guar. Nat'l Companies, 842 P.2d 865 (Utah 1992). “STEWART, Justice: Plaintiff Glenda Versluis appeals from a summary judgment denying her no-fault disability benefits under Utah Code Ann. § 31A-22-307(l)(b)(i). We affirm.”
Larsen v. Allstate Ins. Co., 857 P.2d 263 (Utah Ct. App. 1993). “Utah Code Ann. § 31A-22-307 (Supp. 1992) provides, in pertinent part: (1)Personal injury protection coverages and benefits include: [[Image here]] (b)(i) the lesser of $250 per week or 85% of any loss of gross income and loss of earning capacity per person from inability to…”
Prince v. Bear River Mut. Ins. Co., 2002 UT 68 (Utah 2002). “Section 31A-22-307(1) of the Utah Code and the PIP insurance policy provided that Prince was entitled to PIP benefits only if the benefits covered mecessary medical care.”
Tucker v. State Farm Mut. Auto. Ins. Co., 2002 UT 54 (Utah 2002). “, Utah Code Ann. § 31A-22-307 (2001) (describing the parameters of an insurer's obligations concerning personal injury protection coverages and benefits).”
Pennington v. Allstate Ins. Co., 973 P.2d 932 (Utah 1998). “" Utah Code Ann. § 31A-22-307(l)(a) (1991).”
Burns Chiropractic Clinic v. Allstate Ins. Co., 851 P.2d 1209 (Utah Ct. App. 1993). “CONCLUSION Because we determine the trial court had subject matter jurisdiction, Bailey could assign her right to benefits under the contract, and the medical panel provisions of section 31A-22-307 were misinterpreted, we reverse and remand for proceedings consistent with this…”
Travelers/Aetna Ins. Co. v. Wilson, 2002 UT App 221 (Utah Ct. App. 2002). “See Utah Code Ann. § 31A-22-307(l)(a) (Supp.2001).”
Neel v. State, 854 P.2d 581 (Utah Ct. App. 1993). “See section 31A-22-307. These PIP benefits must be provided for any “natural person whose injuries arise out of an automobile accident occurring while the person occupies a [covered] motor vehicle_” Section 31A-22-308(3).”
Regal Ins. Co. v. Bott, 2001 UT 71 (Utah 2001). “113 The district court was correct in interpreting the language of section 31A-22-307 to limit PIP benefits payable to the heirs and estate of a person otherwise covered by PIP benefits but killed instantly in an accident to exclude lost income and household services.”
Neel v. State, 889 P.2d 922 (Utah 1995). “See Utah Code Ann. § 31A-22-307. She contends that she is entitled to these benefits under section 31A-22-309(3) of the code, which provides, “The benefits payable to any injured person under [the PIP statute] are reduced by: (a) any benefits which that person receives or is…”
Bevans v. Indus. Comm'n of Utah, 790 P.2d 573 (Utah Ct. App. 1990). “Section 31A-22-309(3)(a) reduces personal injury protection benefits (including reasonable medical expenses up to $3,000 and partial lost wage compensation, as set forth in Utah Code Ann. § 31A-22-307 (Supp.1989)) payable by a no-fault insurer to an injured person by “any…”
— Utah Code § 31A-22-307(1) — 1 case
Prince v. Bear River Mut. Ins. Co., 2002 UT 68 (Utah 2002). “Section 31A-22-307(1) of the Utah Code and the PIP insurance policy provided that Prince was entitled to PIP benefits only if the benefits covered mecessary medical care.”
— Utah Code § 31A-22-307(1)(b)(G) — 1 case
Regal Ins. Co. v. Bott, 2001 UT 71 (Utah 2001). “113 The district court was correct in interpreting the language of section 31A-22-307 to limit PIP benefits payable to the heirs and estate of a person otherwise covered by PIP benefits but killed instantly in an accident to exclude lost income and household services.”
— Utah Code § 31A-22-307(1)(b)(i) — 1 case
Larsen v. Allstate Ins. Co., 857 P.2d 263 (Utah Ct. App. 1993). “Utah Code Ann. § 31A-22-307 (Supp. 1992) provides, in pertinent part: (1)Personal injury protection coverages and benefits include: [[Image here]] (b)(i) the lesser of $250 per week or 85% of any loss of gross income and loss of earning capacity per person from inability to…”
— Utah Code § 31A-22-307(2)(d) — 1 case
Holiday v. Progressive Ins. (D. Utah 2022).
— Utah Code § 31A-22-307(2)(e) — 1 case
Burns Chiropractic Clinic v. Allstate Ins. Co., 851 P.2d 1209 (Utah Ct. App. 1993). “CONCLUSION Because we determine the trial court had subject matter jurisdiction, Bailey could assign her right to benefits under the contract, and the medical panel provisions of section 31A-22-307 were misinterpreted, we reverse and remand for proceedings consistent with this…”
— Utah Code § 31A-22-307(l)(a) — 2 cases
Pennington v. Allstate Ins. Co., 973 P.2d 932 (Utah 1998). “" Utah Code Ann. § 31A-22-307(l)(a) (1991).”
Travelers/Aetna Ins. Co. v. Wilson, 2002 UT App 221 (Utah Ct. App. 2002). “See Utah Code Ann. § 31A-22-307(l)(a) (Supp.2001).”
— Utah Code § 31A-22-307(l)(b)(i) — 2 cases
Versluis v. Guar. Nat'l Companies, 842 P.2d 865 (Utah 1992). “STEWART, Justice: Plaintiff Glenda Versluis appeals from a summary judgment denying her no-fault disability benefits under Utah Code Ann. § 31A-22-307(l)(b)(i). We affirm.”
Larsen v. Allstate Ins. Co., 857 P.2d 263 (Utah Ct. App. 1993). “Utah Code Ann. § 31A-22-307 (Supp. 1992) provides, in pertinent part: (1)Personal injury protection coverages and benefits include: [[Image here]] (b)(i) the lesser of $250 per week or 85% of any loss of gross income and loss of earning capacity per person from inability to…”
— Utah Code § 31A-22-307(l)(b)(ii) — 1 case
Tanner v. Phoenix Ins. Co., 799 P.2d 231 (Utah Ct. App. 1990). “JACKSON, Judge: This declaratory judgment action involves a claim for minimum personal injury protection benefits mandated by Utah Code Ann. § 31A-22-307 (Supp.1990), a part of Utah’s no-fault automobile insurance statute.”
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