Each state has its own requirements on minimum auto insurance limits and whether no-fault rules apply. However, your insurance policy, to some extent, will adjust to the rules of another state. This means that if you are involved in an accident in Utah or another of the dozen no-fault accident states, your policy will apply to the accident as if it were a no-fault policy. Usually the state where the accident occurred will have jurisdiction over the lawsuit (though a lawyer may help you find an exception to this). Any lawyer you hire will need to be licensed to practice in the state where the accident occurred.