Personal Injury Protection Insurance

A man in a car with 2 paramedics putting a neck brace on him. He looks like he's in pain.The State of Utah requires that all drivers possess personal injury protection (PIP) insurance.This type of coverage is also referred to as “no-fault insurance”, as it provides an individual with funds for medical expenses even if that person caused the accident. In addition to the driver, PIP insurance benefits any passengers involved in a motor vehicle accident.

Car owners in Utah must have at least $3,000 of PIP insurance. Greater coverage exists for those willing to pay higher monthly premiums. Some policies offer up to $100,000 of coverage.

Drivers and passengers injured in automobile accidents may use their PIP insurance to pay for most forms of medical treatment, such as ambulance transportation, emergency room visits, chiropractic care, X-rays, MRI scans, and physical therapy.

PIP insurance can also cover lost wages and household services if the injuries sustained in an accident prevent the injured person from working or completing daily tasks around the house. The lowest required amount of PIP insurance in Utah offers up to $250 per week to

compensate for lost wages and $20 per day for someone to assist with household chores. In order to access these benefits, one typically needs to demonstrate proof of injury through a doctor’s note.

If you have been injured in an auto accident, you should contact your insurance company as soon as possible and ask your adjuster for a PIP application. This document usually requires the contact information of all your medical providers and your employer. The adjuster will review the information provided in the PIP application and distribute the money for medical expenses, wage losses, and household services accordingly.

If you need guidance in navigating your PIP claim, do not hesitate to reach out to the experienced legal team at LifeLaw.