Utah Code » Title 31A, Chapter 22 — Contracts in Specific Lines; part 31A-22-3 — Motor Vehicle Insurance
Utah Code

Utah Code § 31A-22-308 (2026)

Persons covered by personal injury protection

✓ current as of May 2026
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The following may receive benefits under personal injury protection coverage:

the named insured, when injured in an accident involving any motor vehicle, regardless of whether the accident occurs in this state, the United States, its territories or possessions, or Canada, except where the injury is the result of the use or operation of the named insured's own motor vehicle not actually insured under the policy;
persons related to the insured by blood, marriage, adoption, or guardianship who are residents of the insured's household, including those who usually make their home in the same household but temporarily live elsewhere under the circumstances described in Subsection (1), except where the person is injured as a result of the use or operation of the person's own motor vehicle not insured under the policy; and
any other natural person whose injuries arise out of an automobile accident occurring:
while the person occupies a motor vehicle described in the policy with the express or implied consent of the named insured; or
if the person is a pedestrian who is injured in an accident occurring in Utah involving the described motor vehicle.
Notes of Decisions
Cited in 15 cases, 1989–2007 · leading case: Arredondo v. Avis Rent a Car Sys., Inc., 2001 UT 29 (Utah 2001).
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Arredondo v. Avis Rent a Car Sys., Inc., 2001 UT 29 (Utah 2001). · cites it 6× “" 1 32 Section 81A-22-802(1)(a) states: (1) 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: *935 (a) motor vehicle liability coverage under Sections 31A-22-308 and…”
Speros v. Fricke, 2004 UT 69 (Utah 2004). · cites it 5× “§§ 31A-22-308 to -304. This legislative enactment reflects a public policy requiring vehicle owners to carry a minimum level of liability coverage to protect innocent victims of automobile accidents.”
Farmers Ins. Exch. v. Versaw, 2004 UT 73 (Utah 2004). · cites it 3× “" The next step would be to locate this last-referenced section, which provides that every insurance policy bought to satisfy the security requirements must include "motor vehicle liability coverage under Sections 31A-22-308 and 31A-22-304." Assuming the insured is still on the…”
State Farm Mut. Auto. Ins. Co. v. DeHerrera, 2006 UT App 388 (Utah Ct. App. 2006). · cites it 9× “MeHUGH, Judge: {1 Ruby DeHerrera appeals from summary judgment in favor of State Farm Mutual Automobile Insurance Company (State Farm), rejecting DeHerrera's claim that the insurance company was required by the terms of the policy and by Utah's omnibus insurance statute, see…”
Versluis v. Guar. Nat'l Companies, 842 P.2d 865 (Utah 1992). · cites it 2× “The issue in this case is whether plaintiff is entitled to disability benefits under no-fault personal injury protection, or “PIP,” for “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…”
Pennington v. Allstate Ins. Co., 973 P.2d 932 (Utah 1998). · cites it 2× “Pennington argued that all of his medical expenses were necessary and reasonable and claimed entitlement to personal injury protection (“PIP”) benefits under section 31A-22-308 of the Utah Code. 2 In the alternative, Pennington claimed that if any of the charges were found to be…”
Li v. Enter. Rent-A-Car Co. of Utah, 2006 UT 80 (Utah 2006). “29 117 Following either path, motor vehicle owners' duty to insure their motor vehicles includes an obligation to provide the insurance coverages required by Utah Code seetion 81A-22-302, including "motor vehicle liability coverage under Sections 31A-22-308 and 31A-22-304." 30…”
United States Fid. & Guar. Co. v. United States, 728 F. Supp. 651 (D. Utah 1989). · cites it 2× “This owner is personally liable for the payment of the benefits provided for under Section 31A-22-307 to persons entitled to receive them under Section 31A-22-308. [Emphasis added.] The court now turns to the question of whether an injured party’s insurer has a claim for…”
State v. Biggs, 2007 UT App 261 (Utah Ct. App. 2007). “§ 31A-22-308(1)(a). It is therefore directed to insurance companies, not vehicle owners, and in no way relieves Defendant of any other statutory obligation she has to insure her car.”
Neel v. State, 854 P.2d 581 (Utah Ct. App. 1993). · cites it 2× “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). Finally, section 31A-22-309(5) provides that a claimant entitled to PIP benefits…”
Regal Ins. Co. v. Canal Ins. Co., 2002 UT App 27 (Utah Ct. App. 2002). · cites it 5× “Section 31A-22-308 provides, in part: The following may receive benefits under personal injury protection coverage: (1) the named insured, when injured in an accident involving any motor vehicle ++) (3) any other natural person whose injuries arise out of an automobile accident…”
Progressive Cas. Ins. Co. v. Ewart, 2007 UT 52 (Utah 2007). “" 7 And the insurance policy purchased by an owner to satisfy this requirement must include "motor vehicle liability coverage under Sections 31A-22-308 and 81A-22-304." 8 Section 31A-22-808 requires a policy to "insure .”
Show all 15 citing cases →
— Utah Code § 31A-22-308(1) — 2 cases
Farmers Ins. Exch. v. Versaw, 2004 UT 73 (Utah 2004). “" The next step would be to locate this last-referenced section, which provides that every insurance policy bought to satisfy the security requirements must include "motor vehicle liability coverage under Sections 31A-22-308 and 31A-22-304." Assuming the insured is still on the…”
Regal Ins. Co. v. Canal Ins. Co., 2002 UT App 27 (Utah Ct. App. 2002). “Section 31A-22-308 provides, in part: The following may receive benefits under personal injury protection coverage: (1) the named insured, when injured in an accident involving any motor vehicle ++) (3) any other natural person whose injuries arise out of an automobile accident…”
— Utah Code § 31A-22-308(1)(a) — 4 cases
Arredondo v. Avis Rent a Car Sys., Inc., 2001 UT 29 (Utah 2001). “" 1 32 Section 81A-22-802(1)(a) states: (1) 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: *935 (a) motor vehicle liability coverage under Sections 31A-22-308 and…”
Speros v. Fricke, 2004 UT 69 (Utah 2004). “§§ 31A-22-308 to -304. This legislative enactment reflects a public policy requiring vehicle owners to carry a minimum level of liability coverage to protect innocent victims of automobile accidents.”
State v. Biggs, 2007 UT App 261 (Utah Ct. App. 2007). “§ 31A-22-308(1)(a). It is therefore directed to insurance companies, not vehicle owners, and in no way relieves Defendant of any other statutory obligation she has to insure her car.”
State Farm Mut. Auto. Ins. Co. v. DeHerrera, 2006 UT App 388 (Utah Ct. App. 2006). “MeHUGH, Judge: {1 Ruby DeHerrera appeals from summary judgment in favor of State Farm Mutual Automobile Insurance Company (State Farm), rejecting DeHerrera's claim that the insurance company was required by the terms of the policy and by Utah's omnibus insurance statute, see…”
— Utah Code § 31A-22-308(1)(a)(iD)(A) — 1 case
State Farm Mut. Auto. Ins. Co. v. DeHerrera, 2006 UT App 388 (Utah Ct. App. 2006). “MeHUGH, Judge: {1 Ruby DeHerrera appeals from summary judgment in favor of State Farm Mutual Automobile Insurance Company (State Farm), rejecting DeHerrera's claim that the insurance company was required by the terms of the policy and by Utah's omnibus insurance statute, see…”
— Utah Code § 31A-22-308(1)(a)(iv)(B) — 1 case
Liberty Mut. Ins. Co. v. Shores, 147 P.3d 456 (Utah Ct. App. 2006).
— Utah Code § 31A-22-308(1)(c) — 1 case
Arredondo v. Avis Rent a Car Sys., Inc., 2001 UT 29 (Utah 2001). “" 1 32 Section 81A-22-802(1)(a) states: (1) 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: *935 (a) motor vehicle liability coverage under Sections 31A-22-308 and…”
— Utah Code § 31A-22-308(3) — 1 case
Neel v. State, 854 P.2d 581 (Utah Ct. App. 1993). “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). Finally, section 31A-22-309(5) provides that a claimant entitled to PIP benefits…”
— Utah Code § 31A-22-308(5) — 1 case
Speros v. Fricke, 2004 UT 69 (Utah 2004). “§§ 31A-22-308 to -304. This legislative enactment reflects a public policy requiring vehicle owners to carry a minimum level of liability coverage to protect innocent victims of automobile accidents.”
— Utah Code § 31A-22-308(8) — 1 case
Regal Ins. Co. v. Canal Ins. Co., 2002 UT App 27 (Utah Ct. App. 2002). “Section 31A-22-308 provides, in part: The following may receive benefits under personal injury protection coverage: (1) the named insured, when injured in an accident involving any motor vehicle ++) (3) any other natural person whose injuries arise out of an automobile accident…”
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