Utah is a “no-fault” auto insurance state. This no-fault designation means that regardless of who was at-fault following an accident, some of the medical expenses for the insurance policyholder will be covered. No-fault states usually operate with a type of insurance extension known as PIP or Personal Injury Protection.
No-fault insurance was created to save money for both the insurance companies and those whom they insure. This would help alleviate the court system and prevent too many lawsuits with minor injuries from gumming up the system. Under this insurance program, your own car insurance company will pay for your medical bills, as well as some other benefits up to $3,000. Generally speaking, the no-fault insurance narrows your ability to sue. According to DMV.org, the only circumstances that will allow you to sue is if death or serious injury occurred or the damages reach or exceed a set threshold.
The threshold in Utah is $3,000, meaning if the damages from your car accident exceed $3,000, then you have grounds to file a lawsuit. The $3,000 amount is a minimum amount set by the state of Utah. You can choose to have more PIP insurance if you select a policy that has more coverage. Each no-fault insurance state designates a different insurance minimum. Some states have minimums of $10,000.
PIP can cover a variety of damages following an accident. The state of Utah designates certain services like chiropractic, medical, surgery, X-ray, dental, rehabilitation (including prosthetic devices), ambulance, hospital, nursing, funeral, burial, cremation, and others can be covered by PIP.
PIP insurance is not always as straightforward as it is cracked up to be. Whenever this happens, be sure to consult with someone who is knowledgeable about the subject like an insurance representative, personal injury attorney, or even your chiropractor. Sometimes they can answer specific questions that you might have about this type of coverage and how it works in treatment after a car accident. Regardless of fault It is always best to initiate treatment with someone who you can trust to look out for your best interests.
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