Can I file a diminished value claim against my own insurer in Utah?

No — Utah limits DV recovery to third-party claims against the at-fault driver's insurer.

What is the Utah statute of limitations for a DV claim?

3 years for property damage under Utah Code §78B-2-305. PIP no-fault does NOT bar property DV — quote §31A-22-309 to short-circuit any 'no DV in Utah' denial.

UTAH (UT)

Utah Diminished Value Claim — Recover $2,000 – $9,000

Utah is a No-fault state with a 3 years for property damage. DV recovery is available against the at-fault driver's insurer. USPAP-compliant appraisal report delivered in 24 hours.

Get Your Free Estimate Order DV Report — $249

Fault Rule

No-fault

Statute of Limitations

3 years for property damage

Typical Recovery

$2,000 – $9,000

Small Claims Limit

$11,000

Utah Diminished Value Law — What You Need To Know

Utah no-fault applies only to PIP — DV is fully recoverable under tort. Salt Lake City and Provo auction comps are strong; outdoor-recreation vehicles (Tacomas, 4Runners, Subarus) command resale premiums that translate into higher DV awards.

Statute citation

Utah Code §78B-2-305

Landmark case

Utah Code §31A-22-309 — no-fault PIP; tort recovery for property damage preserved.

First-party DV

❌ Not available

Third-party DV

✅ Allowed

Appraisal clause

Common, varies by carrier

Small claims limit

$11,000

Utah Filing Tip

PIP no-fault does NOT bar property DV — quote §31A-22-309 to short-circuit any 'no DV in Utah' denial.

What Drives DV Settlements in Utah

Third-party tort recovery only — the at-fault driver's bodily-injury carrier handles property damage, and a credible appraisal is what moves the file off PIP-formula numbers.

How to File a DV Claim in Utah

1
Complete repairs at a licensed body shop and obtain a complete itemized repair invoice with all OEM/aftermarket part designations.
2
Order a USPAP-compliant diminished value appraisal report grounded in Salt Lake City-area comparable sales (TOP-DV delivers within 24 hours for $249).
3
Submit a written demand to the at-fault driver's insurer with the appraisal attached, citing Utah Code §78B-2-305 and Utah Code §31A-22-309.
4
If the carrier refuses or counters low, escalate to a supervisor and file a complaint with the Utah Insurance Department.
5
Settlement typically reached within 8-16 weeks once a credible appraisal is on file.

Escalation: Utah Insurance Department

File a complaint with Utah Insurance Department

https://insurance.utah.gov/consumers/

If the at-fault carrier refuses to negotiate after receiving a USPAP-compliant appraisal, file simultaneously with the state DOI — this regulatory pressure routinely accelerates settlement.