Diminished Value claims in Utah
Utah drivers have 3 years to file a diminished value claim.
The clock on a diminished value (DV) claim starts on the date of loss — not the date repairs finish. Bring verified comparable-sales evidence to the at-fault driver's carrier and recover the market-value loss your vehicle took.
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Utah diminished value claim facts
Statute of limitations
3 years from date of loss
Utah Code Ann. § 78B-2-305(2) sets a 3-year statute of limitations for actions for "taking, detaining, or injuring personal property, including actions for specific recovery." This covers auto-collision property-damage claims. The clock runs from the date of loss.
First-party DV
Limited — depends on policy
Third-party DV (at-fault carrier)
Yes — widely recognized
UM/UIM coverage
Yes
Small-claims max
$15,000
Total-loss threshold
Total Loss Formula (repair + salvage ≥ ACV)
Statute citation: Utah Code Ann. § 78B-2-305 (3-year SOL for injury to personal property)
Why this matters in Utah
Utah is a no-fault state for PIP coverage (medical expenses, wage loss) under the Utah Automobile No-Fault Insurance Act (Utah Code Ann. § 31A-22-301 et seq.), but vehicle property damage including diminished value flows through the standard fault-based tort framework. Third-party diminished value claims against the at-fault driver's liability carrier are recognized under common-law tort principles. The measure of property damage in Utah is the difference between pre-loss fair market value and post-repair fair market value, plus the cost of repair where the repair does not fully restore the vehicle. First-party DV under standard collision coverage is more restricted; the typical Utah collision policy obligates the carrier to repair, and DV is not separately recoverable as a first-party claim absent an explicit policy provision. The Utah statute of limitations for injury to personal property is three years from the date of loss under Utah Code Ann. § 78B-2-305(2). This is a comfortable window; file the written demand within 12-18 months and escalate to litigation by month 30 if no settlement is in sight. Uninsured motorist coverage is mandatory in Utah (Utah Code Ann. § 31A-22-305) — it can be rejected in writing, but if not rejected it is part of your policy. UM/UIM is first-party in nature. For total-loss determinations, Utah does not impose a statutory percentage threshold. Carriers apply the Total Loss Formula (repair + salvage ≥ ACV) or an internal 75% rule. Salvage-title rules under Utah Code Ann. § 41-1a-1005 attach after the determination. The ACV negotiation can pull borderline vehicles out of the total-loss column with a strong independent valuation. The Utah Insurance Department (insurance.utah.gov) accepts consumer complaints. The Utah Small Claims Court hears cases up to $15,000 — adequate for most DV claims. For amounts above $15,000, file in District Court (no upper limit). The Utah Consumer Sales Practices Act (Utah Code Ann. § 13-11-1 et seq.) can apply to deceptive insurance practices in some contexts. Utah recognizes the bad-faith tort against insurers under Beck v. Farmers Ins. Exch., 701 P.2d 795 (Utah 1985) — preserve denial communications.
Ready to recover your diminished value in Utah?
Not sure where you stand? Start with the free Silver check — Year/Make/Model only, 30 seconds, no payment, no obligation. It gives you a market-anchored ACV for your Utah ZIP that you can use immediately in any ACV or DV negotiation with your carrier. Upgrade to the full Inherent Diminished Value Report only if your Utah 3-year filing window and case facts warrant it.
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Utah diminished value claim FAQ
State-specific answers plus universal diminished value questions. See the full FAQ for the complete 70+ entries.
Utah drivers: don't leave money on the table
Carriers settle DV claims for an average of 25% of the true diminished value when claimants don't bring comparable-sales evidence. Anchor your Utah claim with a VVA report and the included pre-addressed Carrier Demand Letter — most settle without litigation.
Inherent Diminished Value Reports cover all 50 US states.
States with similar filing deadlines
Diminished value guides for every US state
All 50 state guides published. Each lists the SOL, statute, total-loss threshold, and key case law for that state.
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State legal information on this page is general guidance only and may be subject to retroactive verification. Content status: Verified (state-statute, last reviewed 2026-05-21). Our Inherent Diminished Value Reports cover all 50 US states regardless of guide status. See the legal disclaimer for full verification details.